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what it is
Enterprise Financial Services runs Enterprise Bank & Trust, which takes deposits, makes loans, and sells wealth and trust services.
how it gets paid
Last year Enterprise Finl made $888M in revenue. commercial banking and lending was the main engine at $555M, or 62% of sales.
why it's growing
Revenue grew 4.4% last year. Revenue rose 191% from a year earlier, and EPS rose 224%.
what just happened
Revenue hit $656M and EPS reached $3.86. That is a very healthy quarter for a regional bank.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
80/100 earnings predictability — you can trust these numbers
11.3x trailing p/e — the market's not buying it — or you found a deal
2.4% dividend yield — cash in your pocket every quarter
$5.31 fy2025 eps est
xvary composite: 61/100 — average
What they do
Enterprise Financial Services runs Enterprise Bank & Trust, which takes deposits, makes loans, and sells wealth and trust services.
Its $17.3B in assets are the first clue. That is a lot of lending power for a company with a $2B market cap. You also get banking, wealth, and trust services in one roof, so leaving means moving your money, your loans, and your paperwork.
How they make money
$888M
annual revenue · their business grew +4.4% last year
commercial banking and lending
$555M
deposit and treasury management
$145M
wealth and trust services
$111M
tax credit brokerage and other
$77M
The products that matter
business loans and deposits
Commercial banking
$17.3B in assets
This is the core franchise. Management is targeting 6–8% balance sheet growth, and commercial lending is where that goal either happens or doesn't.
core driver
trust and investment services
Wealth management
part of a $200M fee base
Non-interest income totaled $200M last year. This matters because fee revenue is less tied to interest rates than plain-vanilla lending.
rate buffer
consumer deposit gathering
Branch network
12 branches acquired in 2025
The branch deal expanded physical reach. For a regional bank, more local deposits can mean a cheaper funding base if integration goes well.
integration watch
Key numbers
$17.3B
assets
That is the size of the balance sheet. Bigger assets mean more room to lend and more places to earn.
11.3x
p/e
You are paying 11.3 times earnings for a bank with a B++ balance sheet grade.
2.4%
yield
You get paid 2.4% a year to wait. That is not flashy, but it beats idle cash.
80
predictability
’s 80 score says earnings are relatively steady. That matters when banks can wobble.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 75 / 100
- long-term debt $157M (7% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for EFSC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $656M and EPS reached $3.86. That is a very healthy quarter for a regional bank.
Revenue rose 191% from a year earlier, and EPS rose 224%. The comparison was easy, but the size of the move still tells you the business is not stuck.
$222M
revenue
$3.86
eps
n/a
n/a
the number that mattered
The $656M revenue print matters most because it shows the bank can still grow the top line fast.
source: company earnings report, 2026
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What could go wrong
the #1 risk is another rise in non-performing assets.
high
Non-performing assets keep rising
Management already flagged a noticeable increase in Q3 2025. For a lender, that is the number you do not shrug off.
If credit costs move up, earnings fall and the market will not pay a peer multiple for this bank.
med
Branch acquisition integration slips
EFSC added 12 branches in 2025. Acquisitions can expand deposits fast, but they can also bring cost friction and uneven loan books.
If integration disappoints, the 6–8% growth target gets harder to hit and the cheap multiple stays cheap.
med
Funding costs squeeze spread income
Net interest income is $688M, or 77.5% of revenue. When deposit costs rise faster than loan yields, that spread narrows.
This is the direct risk to the part of the business that pays most of the bills.
med
Capital cushion weakens while growth stays on
The CET1 ratio is 11.6%, which is solid. Fast growth can pressure that cushion if underwriting or reserves lag.
If capital falls while credit quality softens, valuation upside disappears first and regulatory flexibility goes next.
These risks sit directly on top of an $888M revenue base, a $17.3B asset book, and a 10.1x forward multiple that only works if credit and growth both behave.
source: institutional data · regulatory filings · risk analysis
Pay attention to
credit
Non-performing asset trend
This is the make-or-break metric. A cheap bank with worsening credit usually stays cheap.
calendar
Q1 2026 earnings report
Scheduled for April 27, 2026. You want to hear whether the 6–8% growth target still looks realistic.
integration
Performance of the 12 acquired branches
More deposits and cleaner funding costs are the upside. Integration drag is the bill that can arrive later.
capital
CET1 holding at 11.6% or better
If growth comes at the cost of a weaker capital cushion, the rerating story gets less convincing fast.
Analyst rankings
earnings predictability
80 / 100
Management has been fairly steady. In human-speak: this is not usually a drama-stock.
valuation setup
10.1x vs 14.4x
The market is giving EFSC a discount to its peer group. That can be opportunity, or it can be a warning label.
source: institutional data
Institutional activity
institutional ownership data for EFSC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$60
current price
n/a
target midpoint · n/a from current
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