EFSC
Enterprise Financial Services Corp
$65.04
-0.64 (-0.97%)
At close · Jul 7
Market Cap
$2.38B
Shares
36,585,805
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$65.04
Open$65.78
Day$65.03–65.98
52W$50.58–67.53
Avg vol 30d250K
Short int884K · 2.4% float · 4.6d
Short vol66%
Last earningsApr 22, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 1
Equibles Rating
blended score · not investment advice
Overall
Buy
Technical · trend & momentum
Buy
◦
50 / 200-day cross
no cross
+
Price vs 200-day avg
+13% above
+
Price vs 50-day avg
+6% above
◦
RSI (14)
57 · neutral
−
MACD trend
negative
+
52-week position
85% · near high
Sentiment · smart money
Neutral
◦
Trend (MA cross)
50d $61 › 200d $57 — 50d above 200d
+
Institutional flow
6 of 261 funds reported for Jun 30 · net +8 sh shares
−
Insider flow
Net -$75.7K over 90 days · 100% sells
−
Short interest
2.42% of float · ▲ +10.5% MoM · 4.6 days cover
◦
Volume signal
Volume near normal
+
Institution breadth
261 holders — near 3-yr high, broad support
Fundamentals
Excellent
+
EPS growth
+10% Y/Y
+
Free cash flow
$181.5M
+
Valuation
P/E 12.3 · below peers
+
Balance sheet
net cash $2.0B
Blended from price, positioning & fundamentals · daily-close · not investment advice.
Up next
Next earnings call
Jul 22, 2026
Est · unconfirmed
· in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 1, 2026
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
no cross
Neutral
Price vs 200-day avg
+13% above
Bullish
Price vs 50-day avg
+6% above
Bullish
RSI (14)
57 · neutral
Neutral
MACD trend
negative
Bearish
52-week position
85% · near high
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $61 › 200d $57 — 50d above 200d
Institutional flow
Accumulating
6 of 261 funds reported for Jun 30 · net +8 sh shares
Insider flow
Distributing
Net -$75.7K over 90 days · 100% sells
Short interest
Rising
2.42% of float · ▲ +10.5% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
261 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $51
Now $65 · 85%
52-wk high $68
vs 200-day avg +13%
vs 50-day avg +6%
Illustrative 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 |
|---|---|---|---|
| Adjusted diluted earnings per share non-GAAP | $1.31 | first quarter 2026 | — |
| 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 | — |
| Pre-provision net revenue non-GAAP | $70.4M | first quarter 2026 | — |
| Tangible book value per common share non-GAAP | $41.38 | first quarter 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 9.01% | first quarter 2026 | — |
| Total cost of deposits | 1.52% | 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 | — |
| average share repurchase price | $56.13 | first quarter 2026 call | — |
| average tax equivalent purchase yield on investment | 4.51% | first quarter 2026 call | — |
| capital used for share repurchases | $27M | first quarter 2026 call | — |
| core deposit base using treasury management and online banking | 80% | first quarter 2026 call | — |
| core geographic deposit outflows | $272M | first quarter 2026 call | — |
| Life Insurance Premium Finance loan growth | $21M | first quarter 2026 call | — |
| low-income housing tax credit portfolio reduction | $101M | first quarter 2026 call | — |
| Midwest year-over-year loan growth rate | 6% | first quarter 2026 call | — |
| national deposit verticals average earnings credit | 2.59% | first quarter 2026 call | — |
| national deposit verticals growth | $187M | first quarter 2026 call | — |
| OREO balances under contract | $46M | first quarter 2026 call | — |
| OREO properties under contract | 4 | first quarter 2026 call | — |
| Q1 loan growth in core C&I and owner occupied real estate portfolios | $97M | first quarter 2026 call | — |
| rate on loans booked in the quarter | 6.58% | first quarter 2026 call | — |
| SBA guaranteed loans sold | $25M | first quarter 2026 call | — |
| shares repurchased | 483,000 | first quarter 2026 call | — |
| Southwest year-over-year loan growth rate | 25% | first quarter 2026 call | — |
| Sponsor Finance portfolio decline | $33M | first quarter 2026 call | — |
| tangible book value per share | $41.38 | first quarter 2026 call | — |
| weighted average fixed coupon on tax credit loans paid off | 3.29% | first quarter 2026 call | — |
| Adjusted diluted earnings per common share non-GAAP | $1.36 | Q4 2025 | — |
| Allowance for credit losses | 1.19% | FY2025 | — |
| Allowance to loans ratio excluding guaranteed loans non-GAAP | 1.29% | FY2025 | — |
| Core deposits | $13.9B | FY2025 | — |
| Core efficiency ratio non-GAAP | 59.3% | FY2025 | — |
| Loan-to-deposit ratio | 80.8% | FY2025 | — |
| Net charge-offs | 0.21% | FY2025 | — |
| Net interest margin (NIM) | 4.21% | FY2025 | — |
| Nonperforming assets | 0.95% | FY2025 | — |
| Pre-provision net revenue (PPNR) non-GAAP | $74.8M | Q4 2025 | — |
| Return on average tangible common equity (ROATCE) non-GAAP | 13.34% | 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
|
$2.38B | +21.2% | — | 12.3 | 2.4% |
|
HDB
Hdfc Bank Ltd
|
$139.28B | -25.8% | +15.2% | — | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$126.09B | +41.4% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.48B | -0.4% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.00B | +22.6% | +7.2% | 14.8 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| EFSC | -1.6% | +6.0% | +19.6% | -1.3% | +21.2% |
| SPY | +0.9% | +1.4% | +7.6% | +0.1% | +9.7% |
| vs SPY | -2.5% | +4.6% | +12.0% | -1.4% | +11.5% |
Capital returns
Latest dividend
$0.34
/ share · ex Jun 15, 2026
Paid (TTM)
$1.30
/ share · 4 payouts
Dividend yield (TTM, derived)
2.00%
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.