EFSC
Financial ServicesEnterprise Financial Services Corp · Banks - Regional · $2B
What is Enterprise Financial Services Corp?
Enterprise Financial Services Corp is the holding company for Enterprise Bank & Trust, serving individuals and businesses across multiple U.S. states.
Enterprise Bank & Trust provides commercial lending, deposit accounts, wealth management, and treasury services. The bank operates across Arizona, California, Kansas, Missouri, Nevada, and New Mexico, with additional SBA loan production offices extending its reach beyond core markets.
Is EFSC a Good Stock to Buy?
UQS Score rates EFSC as Good overall, reflecting balanced fundamentals with an Attractive valuation profile.
Sign up to see the full five-pillar breakdown and complete financial metrics for EFSC. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Unlock Full EFSC Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the complete five-pillar UQS Score breakdown for EFSC
- ✓Access detailed Quality, Moat, Growth, Risk, and Valuation ratings
- ✓Compare EFSC against regional banking peers on key fundamentals
- ✓Get the full financial metrics available to Pro members
Pro Analysis
EFSC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Sep 1, 2026 | 5.8 | 0.0 | 23.0 | 0.0 | 0.0 | 0.0 | -42.5 |
| Jul 31, 2026 | 48.3 | 73.3 | 23.0 | 30.2 | 35.9 | 85.2 | +0.1 |
| Jul 25, 2026 | 48.2 | 73.3 | 23.0 | 30.1 | 35.9 | 85.1 | -0.3 |
| Jul 24, 2026 | 48.5 | 73.3 | 23.0 | 30.7 | 35.9 | 86.2 | -1.2 |
| Jul 23, 2026 | 49.7 | 77.3 | 23.0 | 30.7 | 36.6 | 87.0 | +0.1 |
| Jul 21, 2026 | 49.6 | 77.3 | 23.0 | 30.7 | 36.6 | 86.1 | +0.1 |
| Jul 18, 2026 | 49.5 | 77.3 | 23.0 | 30.7 | 36.6 | 85.5 | +0.1 |
| Jul 17, 2026 | 49.4 | 77.3 | 23.0 | 30.7 | 36.6 | 84.8 | -0.2 |
| Jul 16, 2026 | 49.6 | 77.3 | 23.0 | 30.7 | 36.6 | 86.2 | -0.1 |
| Jul 15, 2026 | 49.7 | 77.3 | 23.0 | 30.7 | 36.6 | 87.0 | 0.0 |
EFSC — Pillar Breakdown
Quality
— 0.0/100 (25%)Enterprise Financial Services Corp currently shows below-average quality metrics, suggesting challenges with profitability.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)Enterprise Financial Services Corp faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)Enterprise Financial Services Corp presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)Enterprise Financial Services Corp appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 23/100 (25%)Enterprise Financial Services Corp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for EFSC.
Score Composition
Financial Data
More Stock Analysis
How is the EFSC UQS Score Calculated?
The UQS (Unified Quality Score) for Enterprise Financial Services Corp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Enterprise Financial Services Corp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Enterprise Financial Services Corp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.