Enterprise Financial Services Corp (EFSC) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Enterprise Financial Services Corp

Market cap $2B · 52 weeks $52 – $69 (9 % below the high) · P/E 12.4× · 2027 expected P/E 10.4× · Dividend 2.1 % · 11 years rising · Next earnings January 25, 2027 · expected EPS $1.46 · Closing price, Oct 28 · accounts published Oct 21.

• Valuation: P/B 1.2× (justified).
• Business: ROTCE 12.6 % (passes, near the threshold).
• Balance sheet: Capital/assets 11.8 % (solid).
• Earnings: 5 of 8 (uneven).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE del 12,6 % (1.3×) $68 (+9 %); at its peers' median (1.2×) $65 (+5 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 5 of 5 pass

• ROA 1.1 %, passes, near the threshold.
• ROTCE 12.6 %, passes, near the threshold.
• Equity / Assets (Tier 1 proxy) 11.8 %, passes.
• P/B (Price / Book) 1.2×, passes.
• Sustainable dividend yield 2.1 %, passes.

Against its peers (reference peers) — Enterprise Financial Services Corp: P/E 12.4×; P/B 1.2×; ROE 9.3 %; $2.2B. 1st Source Corporation (P/E 12.0×; P/B 1.6×; ROE 13.8 %; $2.1B), First Busey Corporation (P/E 12.0×; P/B 1.1×; ROE 9.7 %; $2.4B), Trustmark Corporation (P/E 11.2×; P/B 1.2×; ROE 11.1 %; $2.6B).

Expensive or cheap against its last ten fiscal years?

Precio / valor contable at each close: today 1.2× · median 1.2× · minimum 0.7× · maximum 2.6× · cheap below 1.1× · expensive above 1.9×. It has been cheaper than today 51% of the time over its last ten fiscal years.

Dividend

solid · Yield 2.1 % ($1.32 per share in 2025) · Years raising it ≥ 11 · 5-year growth +12 % a year · Free cash flow coverage payout 24 % · With $1,000 invested today you'd collect $21.10 a year ($1.76 a month).