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/EFSC
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Enterprise Financial Services Corp

Enterprise Financial Services Corp

EFSC
$67.39USD↓-1.65%-1.13 today

MARKET CAP

2.5B

P/E (TTM)

12.7x

FWD P/E

11.6x

DAY RANGE

$67 – $68

52W RANGE

$51
$69

AI Summary

Stalk
Buy NowMedium

EFSC remains in a Stage 2 advancing regime with persistent higher highs and higher lows. The long-term uptrend remains intact, and medium-term directional bias is bullish, supported by clear structural patterns and rising moving averages. Short-term pullback into the rising 9 and 21 EMAs offers favorable entry conditions without evidence of exhaustion, so buy now on pullbacks into the EMA range near the recent breakout zone.

  • ↑Q1 EPS $1.30 and ROA 1.16% indicate operational resilience
  • ↑Net interest income $166M; NIM stable at 4.28%
  • ↓Non-performing assets rising; $7.2M credit provision threatens earnings
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The case for & against

Bull & Bear analysis

Bullish

Enterprise Financial Services Corp (NASDAQ: EFSC) is a full-service banking institution focused primarily on serving small to mid-sized businesses and high-net-worth individuals through its subsidiary, Enterprise Bank and Trust. Operating mainly in the Midwest and Southwest regions of the United States, EFSC emphasizes a relationship-driven banking approach, leveraging its diversified deposit base and stable loan growth to maintain a robust financial profile. The company is currently undergoing strategic expansions through branch acquisitions, aiming to enhance its market footprint in higher growth regions.

Bull says

  • ↑Q1 EPS $1.30 and ROA 1.16% indicate operational resilience
  • ↑Net interest income $166M; NIM stable at 4.28%
  • ↑$27M in buybacks and $0.34 dividend; tangible book value $41.38
  • ↑4% annualized loan growth; management expects mid-single-digit gains for 2026
  • ↑Credit loss provisions down; sale of underperforming assets to improve quality
  • ↑High earnings yield, favorable book-to-price and low volatility factor support upside

Bear says

  • ↓Non-performing assets rising; $7.2M credit provision threatens earnings
  • ↓Geopolitical uncertainties (Iran) may dampen borrower sentiment and loan growth
  • ↓Regional competition squeezing loan spreads may pressure net interest margins
  • ↓Negative profitability and downward revision factors risk future EPS estimates
  • ↓High short interest and weak liquidity factors signal bearish market sentiment
  • ↓Sensitivity to rate changes could compress margins if rates shift

Investment themes with EFSC

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-24-2026neutral

Transcript signals

Bull points

  • Successful attraction and onboarding of new clients across our footprint drove $97 million in Q1 loan growth in our core CNI and owner-occupied real estate portfolios and $21 million in loan growth from our life insurance premium finance division.
  • Overall, I am pleased with the mix and breadth of our loan funding pipeline, and I remain cautiously optimistic about our ability to achieve our loan growth objectives for the year.
  • our core geographic markets in the Midwest and Southwest have delivered 6% and 25% year over year growth rates respectively, which includes loans acquired in the branch acquisition that closed in the fourth quarter.

Bear points

  • The elevated geopolitical risks, Iran conflict, and market complexities may, however, result in our organic growth being more uneven over the next couple of quarters.
  • the longer that uncertainty is the byproduct of the conflict in Iran, borrower sentiments may be cautious which could impact future loan growth.
  • Excluding certain non-recurring items, earnings per share on an adjusted basis was $1.31 compared to adjusted earnings per share of $1.36 in the linked quarter, showing a decline.
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