Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Enterprise Financial Services Corp. (EFSC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$62.29-2.47%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
5.91 → 6.02 EPS · FY ending Dec 31, 2027 · 6 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for EFSC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain financial flexibility with subordinated notes | Recent $175M debt issuance supports financial flexibility. | Intact | subordinated notes reduced below $150M | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
EFSC is a regional financial business with a mixed, moderate-risk profile rather than a clear turnaround or high-growth story. Its long-term thesis is under watch: recent performance sits below its industry cohort, though the evidence says it has not freshly broken.
The valuation evidence describes EFSC as cheap versus peers, while the overall pricing tag is justified and fragility is low. The expectations gap is modest, so the evidence does not point to an unusually high bar already built into expectations.
Near term, consecutive earnings misses and a recent change in the signal from mildly favorable to mixed point to continued execution risk. Revenue increased across the supplied periods, but the evidence does not establish loan growth or cost-control delivery; repurchases continued, while capital-ratio progress was mixed.
The next guidance update matters: a cut would add to concerns about estimates and execution. Over the multi-year view, the case also depends on focused loan growth and cost discipline becoming visible in results, while rate changes and sector earnings trends remain important near-term factors.
Over the next 1 to 3 years, EFSC’s thesis rests on whether management can turn stated priorities into clearer operating progress and stabilize earnings after recent misses. Valuation is cheap versus peers, but fundamentals and execution remain mixed. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| They maintain positive net income around $55M and good cash flow. |
| Intact |
| net income falls below $45M or cash flow turns negative |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income near $88.7M quarterly | Profit stays strong with operating income up to $88.7M. | Broken | operating income falls below $75M quarterly | Operating income: $55.059M FY2026-Q3; GAAP. Published target: >= $85M operating income quarterly. Target period is not explicitly aligned with this observation. Oct 30, 202655,059,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Quarterly revenue near $232M | Enterprise Financial Services keeps stable revenue near $232M quarterly. | Broken | quarterly revenue falls below $220M | Revenue: $238.234M FY2026-Q3; GAAP. Published target: >= $230M quarterly revenue. Target period is not explicitly aligned with this observation. Oct 30, 2026238,234,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$5.90 → $6.02 · observed estimates
$0.80B → $0.81B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $5.90 | $804,487,925 | 4 / 3 |
| 2026-07-25 | $5.90 | $811,450,670 | 5 / 3 |
| 2026-07-26 | $5.90 | $804,487,925 | 4 / 3 |
| 2026-07-27 | $5.90 | $804,383,500 | 5 / 4 |
| 2026-07-28 | $5.90 | $804,487,925 | 4 / 3 |
| 2026-07-29 | $5.90 | $805,633,500 | 5 / 4 |
| 2026-07-30 | $5.90 | $805,633,500 | 5 / 4 |
| 2026-07-31 | $5.90 | $805,638,125 | 4 / 3 |
| 2026-08-01 | $5.90 | $805,638,125 | 4 / 3 |
| 2026-08-02 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-03 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-04 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-05 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-06 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-07 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-08 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-09 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-10 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-11 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-12 | $5.91 | $805,633,500 | 5 / 4 |
| 2026-08-13 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-14 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-15 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-16 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-17 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-18 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-19 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-20 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-21 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-22 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-23 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-24 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-25 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-26 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-27 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-28 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-29 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-30 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-08-31 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-01 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-02 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-03 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-04 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-05 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-06 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-07 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-08 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-09 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-10 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-11 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-12 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-13 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-14 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-15 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-16 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-17 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-18 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-19 | $5.91 | $805,638,125 | 4 / 3 |
| 2026-09-20 | $5.90 | $807,110,500 | 5 / 3 |
| 2026-09-21 | $5.90 | $807,110,500 | 5 / 3 |
| 2026-09-22 | $5.90 | $807,110,500 | 5 / 3 |
| 2026-09-23 | $5.88 | $807,110,500 | 5 / 3 |
| 2026-09-24 | $5.89 | $805,677,083 | 5 / 3 |
| 2026-09-25 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-09-26 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-09-27 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-09-28 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-09-29 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-09-30 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-10-01 | $5.89 | $805,677,083 | 6 / 4 |
| 2026-10-02 | $5.89 | $806,824,000 | 6 / 4 |
| 2026-10-03 | $5.91 | $806,824,000 | 6 / 4 |
| 2026-10-04 | $5.91 | $806,824,000 | 6 / 4 |
| 2026-10-05 | $5.91 | $806,824,000 | 6 / 4 |
| 2026-10-06 | $5.91 | $806,824,000 | 6 / 4 |
| 2026-10-07 | $5.91 | $806,824,000 | 6 / 4 |
| 2026-10-08 | $5.91 | $806,824,000 | 6 / 4 |
| 2026-10-09 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-10 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-11 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-12 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-13 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-14 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-15 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-16 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-17 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-18 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-19 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-20 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-21 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-22 | $5.91 | $806,964,333 | 6 / 4 |
| 2026-10-23 | $5.93 | $813,908,500 | 6 / 4 |
| 2026-10-24 | $5.93 | $813,908,500 | 6 / 4 |
| 2026-10-25 | $5.92 | $809,590,200 | 6 / 4 |
| 2026-10-26 | $5.92 | $809,590,200 | 6 / 3 |
| 2026-10-27 | $5.92 | $809,590,200 | 6 / 3 |
| 2026-10-28 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-10-29 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-10-30 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-10-31 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-11-01 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-11-02 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-11-03 | $6.02 | $814,590,200 | 6 / 3 |
| 2026-11-04 | $6.02 | $814,590,200 | 6 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 6 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.