Lumida
/EFSC
⌘K
Enterprise Financial Services Corp

Enterprise Financial Services Corp

EFSC
$64.13USD+0.33%+0.21 today

MARKET CAP

2.3B

P/E (TTM)

12.1x

FWD P/E

DAY RANGE

$64 – $65

52W RANGE

$51
$69

AI Summary

Stalk
StalkMedium

EFSC remains in a healthy medium-term uptrend but is consolidating just below the 9/20 EMAs. We view the medium-term bias as bullish and will stalk for a pullback into the rising 50-day and 200-day SMAs as a structurally favorable entry zone, before considering participation upon clear acceptance or reclaim of the short-term EMAs.

  • Q4 EPS of $1.45 (+22% QoQ) with deposits up $1B and an 81% loan-to-deposit ratio.
  • Acquired branches in AZ and KS, securing $650M in well-priced deposits and expanding footprint.
  • Non-performing assets climbed to $160M, signaling mounting credit stress.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$451.0M$574.2M$833.6M$920.8M$1.0B
YoY %+25.5%+27.3%+45.2%+10.4%+8.8%
P / Sales3.6x3.2x2.0x2.3x2.0x
EV / Sales29.8x22.9x17.2x17.0x17.0x
Gross Profit, Adj.$427.9M$533.1M$631.3M$637.8M$739.9M
YoY %+31.9%+24.6%+18.4%+1.0%+16.0%
Margin %94.9%92.8%75.7%69.3%73.9%
EV / Gross Profit31.4x24.6x22.7x24.5x23.1x
EBITDA, Adj.$190.7M$259.5M$246.5M$231.2M$283.7M
YoY %+107.4%+36.0%-5.0%-6.2%+22.7%
Margin %42.3%45.2%29.6%25.1%28.3%
EV / EBITDA70.4x50.6x58.0x67.5x60.1x
EBIT$168.6M$259.5M$246.5M$231.2M$283.7M
YoY %+83.4%+53.9%-5.0%-6.2%+22.7%
Margin %37.4%45.2%29.6%25.1%28.3%
EV / EBIT79.6x50.6x58.0x67.5x60.1x
Net Income$133.1M$199.0M$190.3M$181.5M$197.6M
YoY %+78.9%+49.6%-4.4%-4.6%+8.9%
Net Margin29.5%34.7%22.8%19.7%19.7%
EPS (GAAP)$3.86$5.31$5.07$4.83$5.31
YoY %+39.9%+37.6%-4.5%-4.7%+9.9%