EFSC · Enterprise Financial Services Corp
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Adjusted diluted earnings per share non-GAAP | $1.13 | second quarter 2026 | — |
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| Pre-provision net revenue (PPNR) non-GAAP | $68.2M | second quarter 2026 | — |
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| Return on average tangible common equity (ROATCE) non-GAAP | 10.39% | second quarter 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 9.04% | second quarter 2026 | — |
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| Total cost of deposits | 1.53% | second quarter 2026 | — |
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| Allowance for credit losses to total loans | 1.21% | first quarter 2026 | — |
| Common equity tier 1 ratio (Company) | 11.7% | first quarter 2026 | — |
| Common equity tier 1 ratio (Enterprise Bank & Trust) | 12.1% | first quarter 2026 | — |
| Loan to deposit ratio | 81% | first quarter 2026 | — |
| Nonperforming assets to total assets | 0.87% | first quarter 2026 | — |
| Tangible book value per common share non-GAAP | $41.38 | first quarter 2026 | — |
| Total risk-based capital ratio (Company) | 13.9% | first quarter 2026 | — |
| Total risk-based capital ratio (Enterprise Bank & Trust) | 13.2% | first quarter 2026 | — |
| Allowance to loans ratio excluding guaranteed loans non-GAAP | 1.29% | FY2025 | — |
| Core efficiency ratio non-GAAP | 59.3% | 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 | — |
| Return on average assets (ROAA) | 1.24% | FY2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
EFSC
this stock
Enterprise Financial Services Corp
|
$2.44B | +23.3% | — | 12.6 | 2.7% |
|
HDB
Hdfc Bank Ltd
|
$123.39B | -34.2% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$119.51B | +34.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.74B | -0.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$99.78B | +20.0% | +7.2% | 14.4 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| EFSC | +0.8% | +0.5% | +11.8% | +0.5% | +23.3% |
| SPY | -2.4% | -2.3% | +6.3% | -2.3% | +7.0% |
| vs SPY | +3.2% | +2.8% | +5.5% | +2.8% | +16.4% |
Capital returns
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.