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EFSC · Enterprise Financial Services Corp

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$64.01 +0.42 (+0.66%) At close · Aug 20
Market Cap
$2.31B
Shares
36.19M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$64.01 Open$63.40 Day$63.16–64.11 52W close$51.99–68.52 Avg vol 30d225K Short int1.1M · 2.9% float · 4.0d Short vol71% Last earningsJul 23, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 31

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 31, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +9%
      above
      Price vs 50-day avg −2%
      below
      RSI (14) 39
      neutral
      MACD trend Negative
      52-week position 73%
      mid-range
      Momentum
      relative strength
      Strong
      1-month return −2%
      trailing
      6-month return +12%
      trailing
      YTD return +19%
      this year
      Relative strength +1%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $65 › 200d $59 — 50d above 200d
      Institutional flow Accumulating
      +1% holders QoQ · +32 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      2.90% of float · ▲ +5.8% MoM · 4.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      265 holders — near 3-yr high, broad support
      Squeeze score 53
      elevated · 0–100
      Fundamentals
      Excellent
      EPS growth +10%
      Y/Y
      Free cash flow $181.5M
      Valuation P/E 12.7
      in line
      Balance sheet $2.0B
      net cash
      Quant / Vol
      risk profile
      Low
      Volatility 24%
      annualized · 1-yr
      Max drawdown −16%
      past year
      ATR 2.1%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Dec 31, 2024
      Pre-tax income impact of each 25 basis points of Fed cuts · for each 25 basis points of Fed cuts $1M
      Prior guidance period ended · from the Earnings Call filed Mar 31, 2024
      Tax credit income · 2024 $10M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +9% Bullish
      Price vs 50-day avg
      −2% Neutral
      RSI (14)
      39 Neutral
      MACD trend
      Negative Bearish
      52-week position
      73% Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $65 › 200d $59 — 50d above 200d
      Institutional flow Accumulating
      +1% holders QoQ · +32 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      2.90% of float · ▲ +5.8% MoM · 4.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      265 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $52 Now $64 · 73% Range high $69
      vs 200-day avg +9% vs 50-day avg -2%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      ACL/Loans non-GAAP 1.27% 2Q26 —
      Adjusted return on average assets non-GAAP 0.98% Jun 30, 2026 —
      Adjusted return on average common equity non-GAAP 8.37% Jun 30, 2026 —
      Adjusted ROATCE non-GAAP 10.73% Jun 30, 2026 —
      Allowance Coverage Ratio adjusted for guaranteed loans non-GAAP 1.27% 2Q26 —
      Allowance for credit losses to total loans, excluding guaranteed loans non-GAAP 1.27% Jun 30, 2026 —
      Annualized net charge-offs to average loans 46 Q2 2026 —
      Average interest rate of new loan originations 6.58% Q2 2026 —
      Average line utilization 47% Q2 2026 —
      Classified assets $413.78M Jun 30, 2026 —
      Core efficiency ratio non-GAAP 61.1% Q2 2026 —
      Cost of total deposits 1.52% For the month of June 2026 —
      Loan portfolio yield 6.5% For the month of June 2026 —
      Net interest margin 4.3% Jun 30, 2026 —
      Noninterest-bearing Deposits/Total Deposits 34% Jun 30, 2026 —
      Nonperforming loans $76.14M Jun 30, 2026 —
      Nonperforming loans to total loans 0.64% Jun 30, 2026 —
      PPNR ROAA non-GAAP 1.58% 2Q26 —
      Quarterly loan yield 6.43% At June 30, 2026 —
      Quarterly net charge-offs 13.56M Q2 2026 —
      Rate paid on interest-bearing liabilities 2.39% Q2 2026 —
      Return on average common equity non-GAAP 8.1% Jun 30, 2026 —
      ROATCE non-GAAP 10.39% 2Q26 —
      Tangible common equity to tangible assets ratio adjusted for unrealized losses on HTM securities non-GAAP 8.87% At June 30, 2026 —
      Trust assets under management $3.06B Jun 30, 2026 —
      Weighted average tax-equivalent yield of investment purchases 5.03% Q2 2026 —
      Adjusted diluted earnings per common share non-GAAP $1.36 Q4 FY2025 —
      Allowance for credit losses as a percentage of total loans 1.19% FY2025 —
      Allowance to loans ratio excluding guaranteed loans non-GAAP 1.29% FY2025 —
      Net charge-offs as a percentage of average loans 0.21% FY2025 —
      Net interest margin (NIM) 4.21% FY2025 —
      Noninterest-bearing deposits as a percentage of total deposits 33.4% FY2025 —
      Nonperforming assets as a percentage of total assets 0.95% FY2025 —
      Return on average assets (ROAA) 1.24% FY2025 —
      Return on average tangible common equity (ROATCE) non-GAAP 13.34% FY2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      EFSC
      Enterprise Financial Services Corp
      this stock
      		$2.31B +18.5% — 12.7 2.9%
      MFG
      Mizuho Financial Group Inc
      		 $123.19B +38.4% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.1% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -0.4% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +18.7% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      265
      % held
      84.1%
      Net QoQ
      -6.4K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      272
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      1.1M
      Days to cover
      4.0d
      Change
      +57.9K sh
      View
      Short Volume
      Short vol %
      71%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      367
      Value
      $24.5K
      As of
      Jul 29, 2026
      View
      Off-Exchange
      Off-exchange %
      32.1%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Net income (FY)
      $201.4M
      EPS diluted
      $5.31
      View
      Buybacks
      Authorized
      shares 1.1M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 20, 2026
      This year
      15
      View
      Proposed Sales
      Value
      $100.8K
      Shares
      1.8K
      Filed
      Jun 26, 2025
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 23, 2026
      View
      Investor Relations
      Latest news
      Enterprise Financial Services Cor…
      Published
      Jul 22, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      EFSC -3.7% -1.6% +12.1% -3.5% +18.5%
      SPY -2.0% +3.3% +11.2% +2.1% +11.8%
      vs SPY -1.7% -4.9% +0.9% -5.6% +6.7%

      Capital returns

      Latest dividend
      $0.34 / share · ex Jun 15, 2026
      Declared · upcoming
      $0.35 / share · ex Sep 15, 2026
      Raised 3%
      Paid (TTM)
      $1.30 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.03%
      Buyback program · as of Dec 31, 2025
      Authorized
      shares 1.11M
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1025835 CUSIP 293712105 13F (30d) 254 filings 244 filers Visit website Investor relations

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