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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3036
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$2.1B
James B. Lally
Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust. The company offers checking, savings, and money market accounts, and certificates of deposit. It also provides commercial and industrial, commercial real estate, construction and land development, residential real estate and agricultural loans.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = EFSC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$EFSC ENTERPRISE FINANCIAL SERVICES CORP | 44 | 30 | 43 | 43 | 11.5x | 8.1x | 10.0% | 1.2% | 0.0% | 32.5% | 24.5% | 6.5% | 2.0% | 727.0x | $2.1B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) receives a "Reduce" rating with a composite score of 43.6/100. It ranks #3036 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for EFSC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 35 | -5NEUTRAL |
| MOMENTUM | 43 | 42 | +1NEUTRAL |
| VALUATION | 43 | 48 | -5NEUTRAL |
| INVESTMENT | 36 | 62 | -26DRAG |
| STABILITY | 59 | 66 | -7DRAG |
| SHORT INT | 38 | 32 | +6ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 9.7% vs WACC 8.7% (spread +1.0%)
GM 0% vs sector 78%, OM 32% vs sector 18%
Capital turnover 0.49x
Rev growth 6%, 10yr history
Interest coverage 1.3x, Net debt/EBITDA 5.2x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate ENTERPRISE FINANCIAL SERVICES CORP (EFSC) as a Reduce with a composite score of 43.6/100 at a current price of $57.50. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
ENTERPRISE FINANCIAL SERVICES CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.6/100 places it at rank #3036 in our full universe.
No Moat
Medium
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 727% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
ENTERPRISE FINANCIAL SERVICES CORP represents a reduce based on multi-factor quantitative performance.
ENTERPRISE FINANCIAL SERVICES CORP receives a Reduce rating from our analysis, with a composite score of 43.6/100 and 2 out of 5 stars, ranking #3036 out of 7,333 stocks. EFSC's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
EFSC's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.0% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 24.5% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 43/100, EFSC appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 11.52x, an EV/EBITDA of 8.13x, a P/B ratio of 1.15x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
ENTERPRISE FINANCIAL SERVICES CORP's investment score of 36/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 6.5% vs. a sector average of 10.7% and a return on assets of 1.2% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
EFSC is currently showing below-average momentum at 43/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 6.5% year-over-year, while a beta of 0.75 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
With a stability score of 59/100, EFSC exhibits average financial resilience. Key stability metrics include a beta of 0.75 and a debt-to-equity ratio of 727.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
ENTERPRISE FINANCIAL SERVICES CORP's short interest score of 38/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 727.00x). At $2.1B (mid-cap), EFSC carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
EFSC pays a solid dividend yield of 2.0%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
ENTERPRISE FINANCIAL SERVICES CORP is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3036 of 7,333 overall (59th percentile). Key comparisons include ROE of 10.0% exceeding the 9.0% sector median and operating margins of 32.5% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While EFSC currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA IN LINE WITH SECTOR BENCHMARKS
ROE 11% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Although the revenue and EPS for Enterprise Financial Services (EFSC) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Enterprise Financial Services (EFSC) delivered earnings and revenue surprises of -2.73% and 3.94%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Enterprise Financial Services (EFSC), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended March 2024.
The headline numbers for Enterprise Financial Services (EFSC) give insight into how the company performed in the quarter ended December 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.