Enterprise Financial Services Corp. (EFSC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$63.87+1.53%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · EFSC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-04.
The screen ranks EFSC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
27 Maximizing returns on investment Systems People Markets Deliver compounding tangible book value Consistent, reliable performance Continuously refining and improving Driving efficiency Optimizing p…
Stated in 3 of 3 supplied quarters. Management reported: “10-Year CAGR1 Loans2: 15.0% Deposits3: 17.1% 7.7% 10.0% 8.2% KRX Median KRX Top Quartile EFSC 5.9% 8.7% 8.5% KRX Median KRX Top Quartile EFSC Consistently Growing and Creating Value 24 $7.1B Available Liquidity 63% Adjustable Rate Loans2 11.1% CET1 Ratio1 82% Loans to Deposits Note: 3Q26 data; 19.2% adjusting for unrealized losses on securities.” “All figures are as reported by S&P.”
“27 Maximizing returns on investment Systems People Markets Deliver compounding tangible book value Consistent, reliable performance Continuously refining and improving Driving efficiency Optimizing p…”
“27 Maximizing returns on investment Systems People Markets Deliver compounding tangible book value Consistent, reliable performance Continuously refining and improving Driving efficiency Optimizing p…”
“27 Maximizing returns on investment Systems People Markets Deliver compounding tangible book value Consistent, reliable performance Continuously refining and improving Driving efficiency Optimizing p…”
Louis (JC Bancshares and Trinity) National Deposit Vertical Platform and National SBA Lending Platform (Seacoast) Deepened C&I focus in California market (First Choice) M&A Track Record Criteria For…
Stated in 3 of 3 supplied quarters. Management reported: “Louis (JC Bancshares and Trinity) National Deposit Vertical Platform and National SBA Lending Platform (Seacoast) Deepened C&I focus in California market (First Choice) M&A Track Record Criteria For Potential Future M&A • Quality deposit portfolios • Differentiated specialty businesses • Selective, disciplined approach Enhanced funding profile providing attractive growth opportunities in existing markets (First Interstate) * *Acquisition of twelve branches in Arizona and Kansas completed in October 2025.”
All figures are as reported by S&P.
Stated in 3 of 3 supplied quarters. Management reported: “All figures are as reported by S&P.” “All figures are as reported by S&P.”
“All figures are as reported by S&P.”
“All figures are as reported by S&P.”
All figures are as reported by S&P.
Stated in 3 of 3 supplied quarters. Management reported: “All figures are as reported by S&P.” “All figures are as reported by S&P.”
“All figures are as reported by S&P.”
“All figures are as reported by S&P.”
Maintain capital flexibility while returning capital through stock repurchases and regular dividends.
Over the trailing year it converted 1.13x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
13 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-04.
“Louis (JC Bancshares and Trinity) National Deposit Vertical Platform and National SBA Lending Platform (Seacoast) Deepened C&I focus in California market (First Choice) M&A Track Record Criteria For…”
“Louis (JC Bancshares and Trinity) National Deposit Vertical Platform and National SBA Lending Platform (Seacoast) Deepened C&I focus in California market (First Choice) M&A Track Record Criteria For…”
“These are non-GAAP measures, refer to appendix for reconciliation 2$400 million of adjustable-rate loans have been hedged against declining interest rates 3Non-GAAP measure, refer to appendix for rec…”
“All figures are as reported by S&P.”
“Best-In-Class Technology Scaling great work for greater impact PROTECTONBOARD Setting clients up for a smooth transition Leveraging existing partnerships to work smarter AITARGET Identifying and reac…”