EFSCNasdaqState Commercial BanksFiscal year ends December 31Also trades as EFSCP
ENTERPRISE FINANCIAL SERVICES CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 31, 2026
$59.40−0.44 (-0.74%)
Close on Oct 19, 2026
- Market cap
- $2.18B
- P/E (TTM)
- 11.8
- Dividend yield
- 2.05%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
27.2%+4.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +16.0% | +11.5% | +17.9% | +18.0% | |
| Net income | +8.7% | -0.3% | +22.0% | +18.0% | |
| EPS, diluted | +9.9% | 0.0% | +14.0% | +10.9% | |
| Free cash flow | -24.3% | -5.4% | +6.4% | +14.9% | |
| Dividend per share | +15.1% | +10.7% | +11.1% | +16.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 13.2% | 7.6% | 10.4% | |
| Return on assets | 1.3% | 0.9% | 1.2% | |
| Capex to revenue | 1.5% | 0.7% | 1.6% | |
| Diluted shares | 20M | 27M | 37M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Enterprise Financial Services generated $1.09B from operations and spent $349.51M on capital expenditure, dividends and share buybacks. 9% of that went back into the business.
Generated
$1.09B
Used
$349.51M
Capital expenditure$30.45M9%Dividends$181.77M52%Share buybacks$137.30M39%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin27.2%
×Asset turnover0.04×
×Equity multiplier8.52×
=Return on equity, FY202510.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 27.2% | 0.04× | 8.52× | 10.4% |
| FY2024 | 29.0% | 0.04× | 8.51× | 10.5% |
| FY2023 | 30.7% | 0.05× | 8.51× | 12.0% |
| FY2022 | 38.1% | 0.04× | 8.71× | 13.3% |
| FY2021 | 31.1% | 0.04× | 8.93× | 10.2% |
| FY2020 | 22.9% | 0.04× | 8.78× | 7.6% |
| FY2019 | 32.2% | 0.04× | 8.82× | 12.6% |
| FY2018 | 38.7% | 0.04× | 9.49× | 15.5% |
| FY2017 | 22.8% | 0.05× | 10.01× | 10.3% |
| FY2016 | 29.7% | 0.04× | 10.42× | 13.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$201.37M
- Cash generatingOperating cash flow above zero$193.52M
- Return on assets improvedROA up on the prior year1.3% → 1.3%
- Earnings backed by cashOperating cash flow above net income$193.52M vs $201.37M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise38M → 37M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05