Enterprise Financial ServicesEFSC -0.18%69 Return-on-Tangible-Asset is 1.17% as of Mar. 2026, which is 8% below its 10-year median of 1.27. GuruFocus rates EFSC with a GF Score™ of 69/100 and a GF Value™ of $63.60 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Enterprise Financial Services ranks better than 66.01% on this metric.
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Enterprise Financial Services Return-on-Tangible-Asset Related Terms
Enterprise Financial Services Return-on-Tangible-Asset 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.
EFSC vs INTR, BUSE, HAPN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Enterprise Financial Services's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.17% mean?
Enterprise Financial Services (EFSC) has a Return-on-Tangible-Asset of 1.17% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Enterprise Financial Services and its competitors. This is near median its historical median of 1.27. Over the past decade, Enterprise Financial Services' Return-on-Tangible-Asset has ranged from 0.90 to 1.67. According to the industry distribution chart, Enterprise Financial Services ranks #520 out of 1530 companies in the Banks industry, placing it in the top 34%.
Is Enterprise Financial Services' Return-on-Tangible-Asset too high?
Enterprise Financial Services' current Return-on-Tangible-Asset of 1.17% is near median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 1.67. The Banks industry median Return-on-Tangible-Asset is 0.99. Enterprise Financial Services' value of 1.17% is 18.2% above this industry median. Based on the distribution chart, Enterprise Financial Services ranks #520 out of 1530 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' Return-on-Tangible-Asset compare to INTR and BUSE?
According to the Banks industry distribution chart, Enterprise Financial Services ranks #520 out of 1530 companies for Return-on-Tangible-Asset. This puts Enterprise Financial Services in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Enterprise Financial Services' value of 1.17% is 18.2% above this benchmark. Historically, Enterprise Financial Services' own Return-on-Tangible-Asset has ranged from 0.90 to 1.67 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enterprise Financial Services's current Return-on-Tangible-Asset of 1.17% is 18.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Enterprise Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Financial Services's current Return-on-Tangible-Asset is 1.17%, which is near median its own 10-year median of 1.27. 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 $63.60, compared to a current price of $65.68 — trading 3.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.17%, which is near median its 10-year median of 1.27 and 18.2% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current Return-on-Tangible-Asset is 1.17% 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 $65.68 is trading 3.3% above its estimated GF Value™ of $63.60.
GuruFocus considers Enterprise Financial Services to be Fairly Valued.
Key valuation signals for EFSC:
Return-on-Tangible-Asset: 1.17% (near median its 10-year median of 1.27)
GF Value™: $63.60 vs. price of $65.68 (3.3% above fair value)
Industry Position: 18.2% above the Banks median (#520 of 1530)
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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