ScoreWhy is Enterprise Financial Services Corp. ?
1
High Profitability with a Net Interest Margin of 18.27%
2
Strong Long Term Fundamental Strength with a 20.96% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 20.96%
4
Flat results in Mar 26
- OPERATING CASH FLOW(Y) Lowest at USD 211.99 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 80.5%
- OPERATING PROFIT MARGIN(Q) Lowest at 27.92 %
5
With ROA of 0.64%, it has a fair valuation with a 1.01 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 16.64%, its profits have risen by 8.7% ; the PEG ratio of the company is 1.1
6
High Institutional Holdings at 87.62%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.68% over the previous quarter.
Real-Time Research ReportHow 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Enterprise Financial Services Corp.
16.64%
2.58
24.91%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.86%
EBIT Growth (5y)
22.72%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
22.99%
Pledged Shares
0
Institutional Holding
87.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.01
EV to EBIT
6.52
EV to EBITDA
6.27
EV to Capital Employed
1.02
EV to Sales
2.00
PEG Ratio
1.14
Dividend Yield
227.75%
ROCE (Latest)
15.60%
ROE (Latest)
9.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Highest at 25.32%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 211.99 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 80.5%
OPERATING PROFIT MARGIN(Q)
Lowest at 27.92 %
Here's what is working for Enterprise Financial Services Corp.
Non Performing Loans (%)
Lowest at 0.56%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 25.32%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 3.46 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Enterprise Financial Services Corp.
Credit Deposit Ratio
Lowest at 80.5% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Operating Cash Flow
Lowest at USD 211.99 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit Margin
Lowest at 27.92 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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