EFSC (Enterprise Financial Services) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


EFSC Enterprise Financial Services Corp EFSC
69 GF Score
Price $65.57
GF Value $63.11
Valuation Fairly Valued
! 5 Warning Signs
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What is Enterprise Financial Services Scaled Net Operating Assets?

Enterprise Financial Services EFSC +1.31% 69 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates EFSC with a GF Score™ of 69/100 and a GF Value™ of $63.11 (Fairly Valued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Enterprise Financial Services's operating assets for the quarter that ended in Mar. 2026 was $14,521.4 Mil. Enterprise Financial Services's operating liabilities for the quarter that ended in Mar. 2026 was $14,792.5 Mil. Enterprise Financial Services's Total Assets for the quarter that ended in Dec. 2025 was $17,300.9 Mil. Therefore, Enterprise Financial Services's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

EFSC
69GF Score
Enterprise Financial Services Corp EFSC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Enterprise Financial Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Enterprise Financial Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(16623.877-15072.875)/15596.431
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=17300.884 - 677.007
=16623.877

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15261.498 - 188.623 - 0
=15072.875

Enterprise Financial Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(14521.416-14792.52)/17300.884
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=17227.828 - 2706.412
=14521.416

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15205.624 - 413.104 - 0
=14792.52

* 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.

What does a Scaled Net Operating Assets of -0.02 mean?
Enterprise Financial Services (EFSC) has a Scaled Net Operating Assets of -0.02 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Enterprise Financial Services and its competitors.
Is Enterprise Financial Services' Scaled Net Operating Assets too high?
Enterprise Financial Services' current Scaled Net Operating Assets is -0.02. 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' Scaled Net Operating Assets compare to BANR and MBIN?
Enterprise Financial Services' Scaled Net Operating Assets of -0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Enterprise Financial Services and its competitors. Enterprise Financial Services's current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current Scaled Net Operating Assets is -0.02 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 3.9% above its estimated GF Value™ of $63.11. GuruFocus considers Enterprise Financial Services to be Fairly Valued.

Key valuation signals for EFSC:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: $63.11 vs. price of $65.57 (3.9% above fair value)
  • GF Score™: 69/100 with 5 warning signs

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

Address 150 North Meramec Avenue, Clayton, MO, USA, 63105
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$65.57
Price
$63.11
GF Value