Enterprise Financial Services Corp stock PB Ratio (=1.23) is close to 3-year high of 1.29.
The historical rank and industry rank for Enterprise Financial Services's PB Ratio or its related term are showing as below:
EFSC'
s PB Ratio Range Over the Past 10 Years
Min: 0.75 Med: 1.26 Max: 2.36
Current: 1.23
During the past 13 years, Enterprise Financial Services's highest PB Ratio was 2.36. The lowest was 0.75. And the median was 1.26.
EFSC's PB Ratio is ranked worse than 60.03% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs EFSC: 1.23
During the past 12 months, Enterprise Financial Services's average Book Value Per Share Growth Rate was 9.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Enterprise Financial Services was 23.30% per year. The lowest was -23.10% per year. And the median was 10.10% per year.
Back to Basics: PB Ratio
Enterprise Financial Services (NAS:EFSC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Enterprise Financial Services PB Ratio Related Terms
Enterprise Financial Services PB Ratio Historical Data
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services's PB Ratio falls into.
Enterprise Financial Services PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Enterprise Financial Services (EFSC) has a PB Ratio of 1.23 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Enterprise Financial Services and its competitors. This is near median its historical median of 1.26. Over the past decade, Enterprise Financial Services' PB Ratio has ranged from 0.75 to 2.36. According to the industry distribution chart, Enterprise Financial Services ranks #910 out of 1516 companies in the Banks industry, placing it in the top 60%.
Is Enterprise Financial Services' PB Ratio too high?
Enterprise Financial Services' current PB Ratio of 1.23 is near median its 10-year median of 1.26. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 2.36. The Banks industry median PB Ratio is 1.08. Enterprise Financial Services' value of 1.23 is 13.9% above this industry median. Based on the distribution chart, Enterprise Financial Services ranks #910 out of 1516 companies in the Banks industry, which is below 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' PB Ratio compare to BANR and MBIN?
According to the Banks industry distribution chart, Enterprise Financial Services ranks #910 out of 1516 companies for PB Ratio. This places Enterprise Financial Services in the lower half of its industry. The industry median PB Ratio is 1.08. Enterprise Financial Services' value of 1.23 is 13.9% above this benchmark. Historically, Enterprise Financial Services' own PB Ratio has ranged from 0.75 to 2.36 over the past decade. While the company's 10-year median is 1.26 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enterprise Financial Services's current PB Ratio of 1.23 is 13.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Enterprise Financial Services and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Financial Services's current PB Ratio is 1.23, which is near median its own 10-year median of 1.26. 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 $63.11, compared to a current price of $65.57 — trading 3.9% above its estimated fair value. The current PB Ratio is 1.23, which is near median its 10-year median of 1.26 and 13.9% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current PB Ratio is 1.23 as of Jun. 25, 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 3.9% above its estimated GF Value™ of $63.11.
GuruFocus considers Enterprise Financial Services to be Fairly Valued.
Key valuation signals for EFSC:
PB Ratio: 1.23 (near median its 10-year median of 1.26)
GF Value™: $63.11 vs. price of $65.57 (3.9% above fair value)
Industry Position: 13.9% above the Banks median (#910 of 1516)
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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