* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Enterprise Financial Services's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Enterprise Financial Services OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Financial Services (EFSC) has a OCF Margin % of 37.65% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Enterprise Financial Services and its competitors. This is 14% below median its historical median of 43.68. Over the past decade, Enterprise Financial Services' OCF Margin % has ranged from 21.90 to 50.15. According to the industry distribution chart, Enterprise Financial Services ranks #644 out of 1501 companies in the Banks industry, placing it in the top 42.9%.
Is Enterprise Financial Services' OCF Margin % too high?
Enterprise Financial Services' current OCF Margin % of 37.65% is 14% below median its 10-year median of 43.68. Over the past 10 years, this metric has ranged from a low of 21.90 to a high of 50.15. The Banks industry median OCF Margin % is 29.44. Enterprise Financial Services' value of 37.65% is 27.9% above this industry median. Based on the distribution chart, Enterprise Financial Services ranks #644 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, Enterprise Financial Services has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services' OCF Margin % compare to BANR and MBIN?
According to the Banks industry distribution chart, Enterprise Financial Services ranks #644 out of 1501 companies for OCF Margin %. This puts Enterprise Financial Services in the upper half of its industry. The industry median OCF Margin % is 29.44. Enterprise Financial Services' value of 37.65% is 27.9% above this benchmark. Historically, Enterprise Financial Services' own OCF Margin % has ranged from 21.90 to 50.15 over the past decade. While the company's 10-year median is 43.68 vs. the industry median of 29.44, Enterprise Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enterprise Financial Services's current OCF Margin % of 37.65% is 27.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Enterprise Financial Services and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Financial Services's current OCF Margin % is 37.65%, which is 14% below median its own 10-year median of 43.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Financial Services (EFSC) is currently considered Fairly Valued. The stock's GF Value™ is $63.07, compared to a current price of $65.57 — trading 4% above its estimated fair value. The current OCF Margin % is 37.65%, which is 14% below median its 10-year median of 43.68 and 27.9% above the Banks industry median of 29.44. Enterprise Financial Services' overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current OCF Margin % is 37.65% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Enterprise Financial Services (EFSC) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Financial Services stock appears to be overvalued.
The current stock price of $65.57 is trading 4% above its estimated GF Value™ of $63.07.
GuruFocus considers Enterprise Financial Services to be Fairly Valued.
Key valuation signals for EFSC:
OCF Margin %: 37.65% (14% below median its 10-year median of 43.68)
GF Value™: $63.07 vs. price of $65.57 (4% above fair value)
Industry Position: 27.9% above the Banks median (#644 of 1501)
No single metric tells the full story. See the EFSC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Financial Services Business Description
Enterprise Financial Services Corporation is a financial holding company. It offers banking and wealth management services to individuals and business customers located in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico, in addition to loan and deposit production offices throughout the United States. The company offers a broad range of business and personal banking services including wealth management services. Its Lending services include commercial and industrial, commercial real estate, real estate construction and development, residential real estate and consumer loans.
69GF Score
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