Enterprise Financial Services Corporation Depositary Shares Each Representing a 1/40th Interest in a Share of 5% Fixed Rate Non-Cumulative Perpetual Preferred Stock Series A (EFSCP)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

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

I look at this as a bank credit first, not as a common stock. Enterprise Financial Services is a regional bank holding company that earned $201.4 million, or $5.31 per diluted share, in FY2025, versus $185.3 million and $4.83 in FY2024 and $194.1 million and $5.07 in FY2023. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $40.9 million and diluted EPS $1.09, down from $51.4 million and $1.36 in fiscal Q2 2025. FairStock’s calculated ROE is 9.60%, with P/B at 0.30 and P/E at 3.87 based on the 2026-10-13 close of $16.03, but those price ratios pair a preferred price with common earnings, so I treat them only as rough issuer context. The security itself is a 5% fixed-rate non-cumulative perpetual preferred. At $16.03, the stated yield is 7.80%, near the 52-week low of $15.90 and far below the $24.08 high. The bank’s earnings appear ample to cover a modest preferred dividend, but non-cumulative means a skipped payment does not accrue, and perpetual means no maturity date forces repayment. The moat is modest—regional relationships and switching costs, but many competitors. FairStock’s 74/100 score and its stalwart label, citing 22% annual profit growth over five years, are positives, yet recent quarterly results are uneven and the Piotroski score is 4/9. Without CET1, NIM, and credit-cost data, I cannot fully judge the bank’s safety. The preferred yields 7.80% at $16.03, a wide spread for a fixed 5% coupon, but the discount reflects real bank-capital risk.

In plain English: Enterprise Financial Services is a regional bank holding company that serves individuals and businesses in several states. It has been profitable, but recent quarterly profit has moved around and the preferred shares are a bank security where the dividend can be skipped if the bank gets into trouble. At the latest price, the preferred shares offer a high yield and sit near the bottom of their yearly range, which suggests investors see extra risk.

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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