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.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
EFSC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 9, 2026 | 46.5 | 77.3 | 23.0 | 9.0 | 36.6 | 94.2 | -3.8 |
| May 7, 2026 | 50.3 | 77.3 | 23.0 | 30.3 | 36.6 | 91.5 | -0.2 |
| May 1, 2026 | 50.5 | 77.3 | 23.0 | 30.3 | 36.6 | 92.6 | -0.1 |
| Apr 26, 2026 | 50.6 | 77.3 | 23.0 | 30.4 | 36.6 | 92.8 | +0.2 |
| Apr 25, 2026 | 50.4 | 77.3 | 23.0 | 29.8 | 36.6 | 92.3 | -6.0 |
| Apr 22, 2026 | 56.4 | 79.4 | 23.0 | 29.8 | 72.9 | 92.4 | 0.0 |
| Apr 21, 2026 | 56.4 | 79.4 | 23.0 | 29.8 | 72.9 | 92.7 | 0.0 |
| Apr 19, 2026 | 56.4 | 79.4 | 23.0 | 29.8 | 72.9 | 92.6 | 0.0 |
| Apr 18, 2026 | 56.4 | 79.4 | 23.0 | 29.8 | 72.9 | 92.7 | -0.1 |
| Apr 12, 2026 | 56.5 | 79.4 | 23.0 | 29.8 | 72.9 | 93.5 | -0.2 |
EFSC — Pillar Breakdown
Quality
— 77.3/100 (25%)Enterprise Financial Services Corp demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 30.3/100 (20%)Enterprise Financial Services Corp faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.6/100 (15%)Enterprise Financial Services Corp has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 90.5/100 (15%)Enterprise Financial Services Corp appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
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
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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.