Obermatt

Enterprise Financial Services

NSQ:EFSC · US2937121059
BanksSmall

360

66
Profit price81
Cash yield43
Price/Sales56
EV / Gross Profit83
Price/Book58
Returns on capital79
Profit margins
Cash Conversion32
Accruals22
Owner Earnings Margin55
Sales growth16
Profit Growth65
Owner Earnings Growth29
Reinvestment8
Price momentum28
Debt load56
Debt serviceability4
Liquidity49
Analyst ratings69
Opinion Changes50
Price Target Upside42
Market mood91
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Enterprise Financial Services clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1994
ISINUS2937121059
Last UpdateApr 2, 2026

Description

Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust. The bank operates as a full-service financial institution offering banking and wealth management services to individuals and corporate clients p…

Analysis

Quality compounder

Enterprise Financial Services Corp earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.3×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
19
2023202420252026

All-time high

65

May 2025

All-time low

19

Jun 2026

Average rank

56

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
56
44
76
39
Price/Earnings
41
44
79
79
Price/Book
58
32
55
48
Dividend Yield
43
17
16
17
Value (overall)
44
27
63
35

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →