Enterprise Financial Financials

EFSC Stock  USD 59.84  0.28  0.47%   
Enterprise Financial Services may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Enterprise Financial's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 2.1 B, whereas Net Debt is projected to grow to (251.7 M). Key indicators impacting Enterprise Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin2.792.6579
Sufficiently Up
Slightly volatile
Return On Assets0.0060.012
Way Down
Slightly volatile
Return On Equity0.06570.1
Way Down
Slightly volatile
Debt Equity Ratio0.10.11
Significantly Down
Slightly volatile
Operating Income297.7 M283.5 M
Sufficiently Up
Slightly volatile
Current Ratio0.160.183
Fairly Down
Slightly volatile
Investors should never underestimate Enterprise Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Enterprise Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Enterprise Financial Services.

Net Income

194.53 Million

  
Understanding current and past Enterprise Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Enterprise Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Enterprise Financial's assets may result in an increase in income on the income statement.
Please note, the presentation of Enterprise Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Enterprise Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Enterprise Financial's management manipulating its earnings.

Enterprise Financial Stock Summary

Enterprise Financial competes with US Bancorp, Truist Financial, Fifth Third, KeyCorp, and Regions Financial. Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank Trust that offers banking and wealth management services to individuals and corporate customers. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri. Enterprises Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1032 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS2937121059
CUSIP293712105
LocationMissouri; U.S.A
Business Address150 North Meramec
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.enterprisebank.com
Phone314 725 5500
CurrencyUSD - US Dollar

Enterprise Financial Key Financial Ratios

Enterprise Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets9.8B13.5B13.1B14.5B16.7B17.5B
Net Debt9.4M(1.5B)280.2M(230.4M)(264.9M)(251.7M)
Retained Earnings417.2M492.7M597.6M749.5M861.9M905.0M
Cash545.3M2.0B299.4M434.0M499.1M524.1M
Other Assets6.5B7.9B10.8B(1.3B)(1.5B)(1.5B)
Total Liab554.7M558.8M11.5B12.8B14.7B15.5B
Total Current Assets1.5B3.4B1.8B1.8B2.1B2.0B
Common Stock332K398K373K374K430.1K451.6K
Other Current Liab6.8B9.9B9.6B11.4B13.1B13.8B
Other Liab36.5M132.5M105.7M83.6M96.1M100.9M
Accounts Payable5.8B8.0B11.3B10.8B12.5B13.1B
Long Term Debt504.7M558.8M579.6M203.6M234.2M262.9M
Inventory6.3M5.3M3.5M269K242.1K230.0K
Other Current Assets613.0M2.1B(8.0M)503.6M579.1M550.2M
Intangible Assets23.1M22.3M16.9M12.3M14.2M14.9M
Short Term Debt282.3M359.1M429.5M5.4M6.2M5.9M
Net Tangible Assets630.8M795.3M1.1B1.1B1.2B1.3B
Long Term Debt Total406.4M504.7M508.8M479.6M551.5M409.4M
Capital Surpluse526.6M697.8M1.0B982.7M1.1B1.2B

Enterprise Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense34.8M23.0M41.2M202.3M283.0M297.1M
Total Revenue324.5M427.9M471.3M68.7M69.7M137.9M
Gross Profit324.5M427.9M471.3M68.7M69.7M137.9M
Operating Income91.9M168.6M239.7M246.5M283.5M297.7M
Ebit95.8M170.9M262.5M246.5M283.5M297.7M
Ebitda107.6M182.8M273.5M246.5M283.5M297.7M
Income Before Tax91.9M168.6M259.5M246.5M231.2M242.8M
Net Income74.4M133.1M203.0M194.1M185.3M194.5M
Income Tax Expense17.6M35.6M56.4M52.5M46.0M48.3M
Tax Provision17.6M35.6M56.4M57.9M66.6M35.5M
Net Interest Income270.0M360.2M473.9M559.3M643.2M675.3M
Interest Income304.8M383.2M515.1M713.2M820.1M861.1M

Enterprise Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash370.4M1.5B(1.7B)141.7M162.9M171.1M
Free Cash Flow133.3M158.1M214.7M261.7M300.9M316.0M
Depreciation11.8M14.1M14.0M11.3M13.0M13.7M
Other Non Cash Items58.8M26.3M10.9M42.5M48.9M51.3M
Dividends Paid19.8M26.2M37.6M41.1M47.3M49.6M
Capital Expenditures2.3M2.5M1.9M6.6M7.5M7.9M
Net Income74.4M133.1M203.0M194.1M223.2M234.3M
End Period Cash Flow537.7M2.0B291.4M433.0M498.0M522.9M
Investments(768.6M)(249.0M)(1.4B)(1.4B)(1.3B)(1.2B)
Net Borrowings41.7M35.9M2.8M(29.7M)(26.8M)(25.4M)
Change To Netincome11.5M51.4M26.7M15.2M17.4M19.3M

Enterprise Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Enterprise Financial's current stock value. Our valuation model uses many indicators to compare Enterprise Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Enterprise Financial competition to find correlations between indicators driving Enterprise Financial's intrinsic value. More Info.
Enterprise Financial Services is rated # 2 in return on equity category among its peers. It is one of the top stocks in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Enterprise Financial Services is roughly  8.41 . At present, Enterprise Financial's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Enterprise Financial's earnings, one of the primary drivers of an investment's value.

Enterprise Financial Systematic Risk

Enterprise Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Enterprise Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Enterprise Financial correlated with the market. If Beta is less than 0 Enterprise Financial generally moves in the opposite direction as compared to the market. If Enterprise Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Enterprise Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Enterprise Financial is generally in the same direction as the market. If Beta > 1 Enterprise Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Enterprise Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Enterprise Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Enterprise Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(4.23)

At present, Enterprise Financial's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Enterprise Financial February 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Enterprise Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Enterprise Financial Services. We use our internally-developed statistical techniques to arrive at the intrinsic value of Enterprise Financial Services based on widely used predictive technical indicators. In general, we focus on analyzing Enterprise Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Enterprise Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Enterprise Stock analysis

When running Enterprise Financial's price analysis, check to measure Enterprise Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Enterprise Financial is operating at the current time. Most of Enterprise Financial's value examination focuses on studying past and present price action to predict the probability of Enterprise Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Enterprise Financial's price. Additionally, you may evaluate how the addition of Enterprise Financial to your portfolios can decrease your overall portfolio volatility.
Equity Search
Search for actively traded equities including funds and ETFs from over 30 global markets
Money Managers
Screen money managers from public funds and ETFs managed around the world
Pattern Recognition
Use different Pattern Recognition models to time the market across multiple global exchanges
My Watchlist Analysis
Analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like