Enterprise Financial ServicesEFSC -1.03%69 Return-on-Tangible-Equity is 12.39% as of Mar. 2026, which is 12% below its 10-year median of 14.14. GuruFocus rates EFSC with a GF Score™ of 69/100 and a GF Value™ of $63.16 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Enterprise Financial Services ranks better than 59.61% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Enterprise Financial Services's annualized net income for the quarter that ended in Mar. 2026 was $197.4 Mil. Enterprise Financial Services's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,593.5 Mil. Therefore, Enterprise Financial Services's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.39%.
The historical rank and industry rank for Enterprise Financial Services's Return-on-Tangible-Equity or its related term are showing as below:
EFSC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.43 Med: 14.14 Max: 19.87
Current: 12.8
During the past 13 years, Enterprise Financial Services's highest Return-on-Tangible-Equity was 19.87%. The lowest was 10.43%. And the median was 14.14%.
EFSC's Return-on-Tangible-Equity is ranked better than 59.61% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs EFSC: 12.80
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Enterprise Financial Services Return-on-Tangible-Equity Related Terms
Enterprise Financial Services Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, Enterprise Financial Services's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.39% mean?
Enterprise Financial Services (EFSC) has a Return-on-Tangible-Equity of 12.39% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Enterprise Financial Services and its competitors. This is 12% below median its historical median of 14.14. Over the past decade, Enterprise Financial Services' Return-on-Tangible-Equity has ranged from 10.43 to 19.87. According to the industry distribution chart, Enterprise Financial Services ranks #616 out of 1525 companies in the Banks industry, placing it in the top 40.4%.
Is Enterprise Financial Services' Return-on-Tangible-Equity too high?
Enterprise Financial Services' current Return-on-Tangible-Equity of 12.39% is 12% below median its 10-year median of 14.14. Over the past 10 years, this metric has ranged from a low of 10.43 to a high of 19.87. The Banks industry median Return-on-Tangible-Equity is 11.21. Enterprise Financial Services' value of 12.39% is 10.5% above this industry median. Based on the distribution chart, Enterprise Financial Services ranks #616 out of 1525 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-Equity compare to INTR and BUSE?
According to the Banks industry distribution chart, Enterprise Financial Services ranks #616 out of 1525 companies for Return-on-Tangible-Equity. This puts Enterprise Financial Services in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Enterprise Financial Services' value of 12.39% is 10.5% above this benchmark. Historically, Enterprise Financial Services' own Return-on-Tangible-Equity has ranged from 10.43 to 19.87 over the past decade. While the company's 10-year median is 14.14 vs. the industry median of 11.21, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 12.39% is 10.5% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Enterprise Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — 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-Equity is 12.39%, which is 12% below median its own 10-year median of 14.14. 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 $63.16, compared to a current price of $66.11 — trading 4.7% above its estimated fair value. The current Return-on-Tangible-Equity is 12.39%, which is 12% below median its 10-year median of 14.14 and 10.5% above the Banks industry median of 11.21. Enterprise Financial Services' overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current Return-on-Tangible-Equity is 12.39% 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 $66.11 is trading 4.7% above its estimated GF Value™ of $63.16.
GuruFocus considers Enterprise Financial Services to be Fairly Valued.
Key valuation signals for EFSC:
Return-on-Tangible-Equity: 12.39% (12% below median its 10-year median of 14.14)
GF Value™: $63.16 vs. price of $66.11 (4.7% above fair value)
Industry Position: 10.5% above the Banks median (#616 of 1525)
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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