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Upturn AI SWOT - About
EFSC 
Enterprise Financial Services (EFSC)
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Upturn Advisory Summary
04/01/2025: EFSC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 17.87% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.99B USD | Price to earnings Ratio 11.15 | 1Y Target Price 68.25 |
Price to earnings Ratio 11.15 | 1Y Target Price 68.25 | ||
Volume (30-day avg) 298772 | Beta 0.98 | 52 Weeks Range 36.46 - 62.50 | Updated Date 04/1/2025 |
52 Weeks Range 36.46 - 62.50 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 4.82 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.51% | Operating Margin (TTM) 39.34% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 10.47% |
Valuation
Trailing PE 11.15 | Forward PE 12.14 | Enterprise Value 1760278656 | Price to Sales(TTM) 3.28 |
Enterprise Value 1760278656 | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 4.24 | Enterprise Value to EBITDA - | Shares Outstanding 36955900 | Shares Floating 35904386 |
Shares Outstanding 36955900 | Shares Floating 35904386 | ||
Percent Insiders 1.96 | Percent Institutions 80.8 |
Analyst Ratings
Rating 4.2 | Target Price 65.75 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Enterprise Financial Services
Company Overview
History and Background
Enterprise Financial Services Corp (EFSC) was founded in 1990 in Clayton, Missouri. It has grown through organic expansion and acquisitions, focusing on providing financial services to privately held businesses, their owners, and high-net-worth individuals.
Core Business Areas
- Commercial Banking: Offers a comprehensive suite of commercial banking products and services, including commercial loans, deposit accounts, treasury management, and international banking services.
- Wealth Management: Provides wealth management services, including investment management, financial planning, trust and estate services, and insurance products.
- Specialty Banking: Specializes in offering financial products to the niche markets such as homeowner association management, healthcare organizations, and title companies.
Leadership and Structure
The leadership team includes CEO Peter Genovese, along with a board of directors. The organizational structure is typical of a regional bank holding company, with various departments overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and real estate financing to businesses. Market share data is difficult to pinpoint due to the fragmented nature of the regional banking market. Competitors include regional and national banks such as U.S. Bancorp and Commerce Bancshares.
- Market Share (%): unavailable
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts. Market share data is difficult to pinpoint due to the fragmented nature of the regional banking market. Competitors include regional and national banks such as U.S. Bancorp and Commerce Bancshares.
- Market Share (%): unavailable
- Market Share (%): unavailable
- Wealth Management Services: Provides investment management and financial planning services to individuals and families. Market share data is difficult to pinpoint due to the fragmented nature of the regional banking market. Competitors include larger brokerage firms such as Edward Jones and Stifel Financial.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds including interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. The wealth management sector is experiencing growth, driven by an aging population and increasing wealth accumulation.
Positioning
EFSC positions itself as a relationship-focused bank that provides personalized service to its clients. Its competitive advantages include its strong local presence, experienced management team, and diversified business lines.
Total Addressable Market (TAM)
The TAM for banking and wealth management services in the Midwest is substantial, estimated at hundreds of billions of dollars. EFSC is positioned to capture a portion of this market through its targeted growth strategy.
Upturn SWOT Analysis
Strengths
- Strong local presence in key markets
- Experienced management team
- Diversified business lines
- Strong credit quality
- Relationship-focused approach
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Dependence on commercial lending
- Lower brand recognition compared to larger competitors
Opportunities
- Expanding into new markets
- Acquiring smaller banks or wealth management firms
- Increasing market share in existing markets
- Developing new products and services
- Leveraging technology to improve efficiency
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- U.S. Bancorp (USB)
- Commerce Bancshares (CBSH)
- First Busey Corporation (BUSE)
Competitive Landscape
EFSC competes with larger national and regional banks, as well as smaller community banks. Its advantages include its strong local presence and relationship-focused approach. Its disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Sequoia Financial Group
- Year: 2022
- Acquisition Price (USD millions): 181.6
- Strategic Rationale: Expanded wealth management capabilities and presence.
Growth Trajectory and Initiatives
Historical Growth: EFSC has experienced steady growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth for EFSC, driven by its strong local presence and diversified business lines.
Recent Initiatives: Recent initiatives include expanding into new markets, investing in technology, and developing new products and services.
Summary
Enterprise Financial Services is a regional bank with steady historical growth. While the bank faces competition from larger national and regional banks, it leverages its strong local presence and diversified offerings to maintain competitive standing. Net Income decreased from 2022 to 2023. Future growth depends on expanding into new markets and growing its wealth management portfolio.
Similar Companies
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Sources and Disclaimers
Data Sources:
- SEC filings (10-K, 10-Q)
- Company website
- Analyst reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions can change rapidly, and investors should conduct their own due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enterprise Financial Services
Exchange NASDAQ | Headquaters Clayton, MO, United States | ||
IPO Launch date 1999-01-07 | President, CEO & Director Mr. James Brian Lally | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1218 | Website https://www.enterprisebank.com |
Full time employees 1218 | Website https://www.enterprisebank.com | ||
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 in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It provides checking, savings, money market accounts, and certificates of deposit. The company also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, small business administration, consumer, and other loan products. In addition, it offers treasury management and international trade services; tax credit brokerage services; life insurance premium and sponsor finance; tax credit related lending; other deposit accounts, such as community associations, property management, legal industry and escrow services; treasury management product and services; customized solutions and products; cash management; fiduciary, investment management, and financial advisory services; and customer hedging products, international banking, card services, and tax credit businesses. Further, the company provides online, device applications, text, and voice banking; remote deposit capture; internet banking, mobile banking, cash management, positive pay, fraud detection and prevention, automated payables, check image, and statement and document imaging services; and controlled disbursements, repurchase agreements, and sweep investment accounts. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.
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