Enterprise Financial Services Corp. (EFSC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Renasant Corp.

WesBanco, Inc.

Bread Financial Holdings, Inc.

Enterprise Financial Services Corp.

Seacoast Banking Corp. of Florida

TowneBank

First Financial Bancorp (Ohio)

Banner Corp.

BankUnited, Inc.

Hilltop Holdings, Inc.

Independent Bank Group, Inc.

Why is Enterprise Financial Services Corp. ?

High Profitability with a Net Interest Margin of 18.28%

Strong Long Term Fundamental Strength with a 21.20% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 21.20%

Positive results in Dec 25

NII(Q) Highest at USD 168.17 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 22.07%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.73%, it has a very attractive valuation with a 1.11 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -4.51%, its profits have risen by 14.7% ; the PEG ratio of the company is 0.7

High Institutional Holdings at 86.94%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.67% over the previous quarter.

Below par performance in long term as well as near term

Along with generating -4.51% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Enterprise Financial Services Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Enterprise Financial Services Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Enterprise Financial Services Corp.

-4.51%

1.54

27.34%

S&P 500

17.78%

0.92

19.35%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

23.86%

EBIT Growth (5y)

23.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.98%

Pledged Shares

Institutional Holding

86.94%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.11

EV to EBIT

9.22

EV to EBITDA

8.88

EV to Capital Employed

1.11

EV to Sales

2.56

PEG Ratio

0.67

Dividend Yield

205.94%

ROCE (Latest)

12.04%

ROE (Latest)

10.44%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NII(Q)

Highest at USD 168.17 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 22.07%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 232.27 MM

NET PROFIT(Q)

Highest at USD 56.79 MM

EPS(Q)

Highest at USD 1.45

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 150.67 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 80.77%

Here's what is working for Enterprise Financial Services Corp.

NII

Highest at USD 168.17 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 22.07% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Net Sales

Highest at USD 232.27 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Profit

Highest at USD 56.79 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.45

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Enterprise Financial Services Corp.

Operating Cash Flow

Lowest at USD 150.67 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 80.77%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 12.8%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)