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ENTERPRISE FINANCIAL SERVICES CORP

Data quality: 83%

EFSCP

Nasdaq Financial Services Depository Institutions

$19.75

▼ $0.23 (-1.15%)

Mkt Cap: 735.47 M

Price

$19.75

Mkt Cap

735.47 M

Day Range

$19.72 — $20.03

52-Week Range

$17.20 — $20.95

Volume

3,500

Open $20.03

50D / 200D Avg

$20.16

2.03% below

50D / 200D Avg

$20.15

1.97% below

Quick Summary

Key Takeaways

ROE of 10.31% — decent returns on equity

Generating 181.53 M in free cash flow

P/E of 3.65 — trading at a low valuation

PEG of 0.33 suggests growth is underpriced

Cash machine — converts 90.15% of earnings into free cash flow

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)8.69%

FCF Growth (3Y)-16.71%

Quality

Return on Equity

10.31%

Below sector avg (10.70%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

N/A

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

3.65

Below sector avg (12.63)

P/B Ratio0.37

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)

Metric	Stock	Sector Median
P/E	3.7	12.6
P/B	0.4	1.4
ROE %	10.3	10.7
Net Margin %	—	14.8
Rev Growth 5Y %	—	6.4
D/E	—	0.5

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	8.69%	Earnings Growth (3Y)	1.87%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	10.92%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	201.37 M
ROE	10.31%	ROA	1.24%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	181.53 M
ROIC	N/A	FCF Growth (3Y)	-16.71%
Safety
Debt / Equity	N/A	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	1.61 B
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	3.65	Forward P/E	N/A
P/B Ratio	0.37	P/S Ratio	N/A
PEG Ratio	0.33	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	24.68%
Market Cap	735.47 M	Enterprise Value	735.47 M
Per Share
EPS (Diluted TTM)	5.31	Revenue / Share	N/A
FCF / Share	4.87	OCF / Share	5.20
EPS CAGR (1Y)	9.94%	EPS CAGR (5Y)	8.30%
EPS CAGR (10Y)	9.17%
Efficiency
CapEx / Revenue	N/A	FCF Conversion	90.15%
SBC-Adj. FCF	169.75 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	201.37 M	185.27 M	194.06 M	203.04 M	133.06 M
EPS (Diluted)	5.31	4.83	5.07	5.31	3.86
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	6.80 M	5.10 M	5.10 M	5.60 M	6.10 M
Interest Expense	626.74 M	282.96 M	202.33 M	41.18 M	23.04 M
Income Tax	82.34 M	45.98 M	52.47 M	56.42 M	35.58 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	17.30 B	15.60 B	14.52 B	13.05 B	13.54 B
Total Liabilities	15.26 B	13.77 B	12.80 B	11.53 B	12.01 B
Shareholders' Equity	2.04 B	1.82 B	1.72 B	1.52 B	1.53 B
Total Debt	—	—	—	—	—
Cash & Equivalents	—	—	—	—	2.02 B
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—