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St. Louis-based commercial bank serving businesses across Missouri, Kansas, Arizona and California.
St. Louis-based commercial bank serving businesses across Missouri, Kansas, Arizona and California.
Earns mostly from interest on loans to owner-managed businesses, funded by business deposits, with fee income from wealth management, treasury services and specialty lines such as tax credit brokerage and SBA lending. Growth has come partly from buying banks in new states, such as Seacoast Commerce in California.
Moat: narrow (scale, distribution). Multi-state commercial-banking franchise built through disciplined organic growth and acquisitions.
Headquarters: St. Louis, Missouri, US · Founded: 1988 · Employees: 1,370
Size Enterprise Financial Services (EFSC) is a United States Financials company (Regional Banks) with a market value of $2.21B, the 1726th largest of 3,117 United States companies the cockpit tracks. Shares closed at $62.05 on 6 Nov 2026.
Performance Over six months the shares gained 3.7%, against +5.5% for the median peer and -1.1% for the United States market (cap-weighted) — 9th lowest of 21 in its peer set.
Growth Revenue grew 2.1% over the last twelve months (peer median +1.7%); the operating margin is 31.9% (peer median 36.9%).
Valuation It trades at 1.20× book value against a peer median of 1.11× (11th cheapest of 21).
Price implies The share price implies a return on equity of about 10.2%; Enterprise Financial Services delivers 9.6%, so the price asks more than the business earns today.
Short interest Short interest is 3.3% of the free float (15 Oct 2026).
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.00B | $1.00B | $921M | $834M | $574M |
| Revenue growth | — | +9% | +10% | +45% | — |
| Net income | $188M | $201M | $185M | $194M | $203M |
| Free cash flow | $235M | $182M | $240M | $262M | $209M |
| Capital expenditure | $7.30M | $87.0M | $7.47M | $6.56M | $1.93M |
| Total debt | $502M | $509M | $464M | $482M | $598M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Enterprise Financial Services EFSC | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% |
| First Busey BUSE | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% |
| Commerce Bancshares CBSH | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% |
| Simmons First National SFNC | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | EFSC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.6% | -0.7% | 5th highest of 21 |
| 6-month return | +3.7% | +5.5% | 9th lowest of 21 |
| Return on equity | 9.6% | 9.9% | 10th lowest of 21 |
| Price / book | 1.20× | 1.11× | 11th cheapest of 21 |
| Trailing P/E | 12.5× | 11.6× | 7th most expensive of 21 |
| ROE the price implies | 10.2% | 9.1% | 9th most demanding of 20 |
| ROE delivered | 9.6% | 10.0% | 9th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |
| Bank of Zhengzhou 6196.HK | Hong Kong | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% | n/a |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Dah Sing Banking 2356.HK | Hong Kong | $2.45B | +5% | -8% | 8% | 0.53× | 5.5% | 7.5% |
| Stock Yards Bancorp SYBT | United States | $2.46B | +10% | +10% | 32% | 2.17× | n/a | 32.4% |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |