Enterprise Financial Services Corporation Common Stock (EFSC)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Enterprise Financial as a plain regional bank holding company: it takes deposits and makes commercial, real estate, and other loans across several states, with wealth management alongside. The business earns a respectable but not spectacular return: FairStock calculates ROE at 9.60%, P/B at 1.09, P/E at 11.76, and PEG at 0.96 based on the 2026-10-13 close of $59.14. That roughly book-value price and low double-digit earnings multiple suggest the market is not paying a premium for growth. Filed figures show fiscal 2025 net income of $201.4M and diluted EPS of $5.31, up from $185.3M and $4.83 in fiscal 2024, though fiscal 2023 was higher at $194.1M and $5.07. Recent quarters are mixed: fiscal Q1 2026, ended 2026-03-31, had $49.4M net income and $1.30 diluted EPS, while fiscal Q2 2026, ended 2026-06-30, had $40.9M and $1.09, below fiscal Q2 2025's $51.4M and $1.36. FairStock labels it a Stalwart because profit grew 22.0% a year over five years. Still, Piotroski is only 4/9, and I lack CET1, net interest margin, nonperforming loan, charge-off, reserve, and combined ratio data. A bank's moat is usually low-cost deposits and disciplined underwriting; I cannot verify those here. At about book value with a modest multiple, the price looks fair to mildly cheap if credit holds, but weaker quarterly earnings and missing risk metrics keep me cautious.

In plain English: Enterprise Financial Services is the parent company of Enterprise Bank & Trust, which takes deposits and makes loans to people and businesses in several states. The bank has stayed profitable and its stock price looks modest compared with its profits and stated net worth, but profit slipped in the latest filed quarter and key details about its loans and capital are not in the data. Overall, it looks like a steady, fairly priced regional bank rather than a standout bargain or a fast grower.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer