Enterprise Financial Services
Commercial banking, nationwide SBA lending, specialty deposits, and wealth services for privately held businesses.
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Profile
Provides commercial and personal banking, treasury management, wealth and fiduciary services, with lending centered on privately held businesses and commercial real estate. Net interest income supplies most revenue, while nationwide SBA lending and specialized deposit verticals extend the one-segment franchise beyond its multi-state branch footprint.
Operates Enterprise Bank & Trust, a full-service commercial bank serving privately held businesses, their owners, and individuals. Lending spans commercial and industrial, commercial real estate, construction and development, residential, consumer, and nationwide SBA products across branches in Missouri, Kansas, Arizona, California, Nevada, New Mexico, and Florida.
Builds relationships through experienced bankers, treasury management, wealth management, fiduciary and advisory services, and specialty niches including life insurance premium finance, sponsor finance, tax-credit lending, and community-association, property-management, legal, and escrow deposits. Net interest income supplies most revenue; service charges, wealth management, cards, tax-credit activities, and SBA loan sales add fees. Loan growth is funded primarily with client deposits, while credit quality, interest rates, liquidity, capital, and permissible activities remain subject to federal and state banking supervision.
Company facts
Categories
Key statistics
Year to date +17.6% · Average volume (30d) 215.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 27, 2026 | Piper Sandler | Reiterate | Neutral | $67 | $68 |
| Jul 1, 2026 | Raymond James | Reiterate | Outperform | $53 | $72 |
| Jun 18, 2026 | Piper Sandler | Reiterate | Neutral | $64 | $67 |
| Jan 28, 2026 | DA Davidson | Reiterate | Buy | $65 | $68 |
| Oct 15, 2025 | Piper Sandler | Target | $62 | $64 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $1.33 | $1.13 | −15.0% | $189.1M | $187.4M | −0.9% | −0.97% |
| Apr 22, 2026Q1 FY26 | $1.30 | $1.31 | +0.8% | $169.7M | $188.9M | +11.3% | +0.21% |
| Jan 26, 2026Q4 FY25 | $1.33 | $1.36 | +2.3% | $188.6M | $191.0M | +1.3% | +2.04% |
| Oct 27, 2025Q3 FY25 | $1.29 | $1.20 | −7.0% | $181.2M | $176.6M | −2.5% | −1.77% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $201.6M | $209.4M | $243.7M | $257.7M | $244.2M | $242.8M | |
| Gross profit | $132.2M | $139.7M | $168.2M | $184.4M | $178.0M | $168.0M | |
| Operating income | $61.0M | $64.2M | $88.7M | $69.8M | $62.9M | $52.2M | |
| Net income | $50.0M | $51.4M | $45.2M | $54.8M | $49.4M | $40.9M | |
| Diluted EPS | $1.31 | $1.36 | $1.19 | $1.45 | $1.30 | $1.09 | |
| Gross margin | 65.6% | 66.7% | 69.0% | 71.5% | 72.9% | 69.2% | |
| Operating margin | 30.3% | 30.7% | 36.4% | 27.1% | 25.7% | 21.5% |
Fiscal years (4-quarter sums)FY21 $421.3M · FY22 $533.7M · FY23 $743.5M · FY24 $814.4M · FY25 $912.4M
Balance sheet, Jun 30, 2026Cash & short-term investments $273.9M · Total debt $682.1M · Total assets $17.40B · Shareholders' equity $2.04B
Dividends
Raised for 20 straight years — most recently to $0.34 from $0.33 in Jun 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jun 30 | $0.34 | raised from $0.33 |
| Mar 13, 2026 | Mar 13 | Mar 31 | $0.33 | raised from $0.32 |
| Dec 15, 2025 | Dec 15 | Dec 31 | $0.32 | raised from $0.31 |
| Sep 15, 2025 | Sep 15 | Sep 30 | $0.31 | raised from $0.30 |
| Jun 16, 2025 | Jun 16 | Jun 30 | $0.30 | raised from $0.29 |
| Mar 14, 2025 | Mar 14 | Mar 31 | $0.29 | raised from $0.28 |
| Dec 16, 2024 | Dec 16 | Dec 31 | $0.28 | raised from $0.27 |
| Sep 16, 2024 | Sep 16 | Sep 30 | $0.27 | raised from $0.26 |
Ownership
Shares outstanding 36.19M · Float 35.07M · 96.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 3.57M | 9.86% | 13F | Aug 7, 2026 |
| Wellington Management Group LLP | 2.91M | 8.04% | 13F | Aug 14, 2026 |
| Dimensional Fund Advisors LP | 2.23M | 6.16% | 13F | Aug 11, 2026 |
| State Street Corp | 1.60M | 4.43% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 1.56M | 4.32% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 28, 2026 | Mark G. Ponder | officer: SEVP, Chief Admin. Officer | −1,250 | $60.55 |
Peers
- Commerce Bancshares
St. Louis incumbent dominating EFSC's MO/KS home market in C&I and wealth.
- UMB Financial
Kansas City super-regional whose HTLF acquisition extended its MO/KS dominance.
- Western Alliance
$90B Phoenix bank whose specialty deposit verticals shadow EFSC's niche book.
- Hanmi Financial
LA-based top-30 SBA lender contesting EFSC's CA small-business and SBA platform.
- SouthState
$65B Southeast super-regional overlapping EFSC's FL and SBA platform.
- East West Bancorp
Largest independent SoCal commercial bank with deep CA C&I overlap with EFSC.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Enterprise Financial Services | $63.59 | +0.05% | $2.30B | 12.6 | 11.2 | 2.3 | +30.9% |
| Commerce Bancshares | $58.04 | +0.02% | $8.46B | 14.1 | 13.1 | 3.9 | +11.9% |
| UMB Financial | $144.59 | +0.07% | $10.98B | 12.0 | 11.0 | 2.4 | +22.9% |
| Western Alliance | $78.53 | −0.03% | $8.57B | 8.8 | 7.5 | 1.7 | +17.7% |
| Hanmi Financial | $31.14 | +0.06% | $926.9M | 10.5 | 9.6 | 2.4 | +10.1% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| East West Bancorp | $129.44 | −0.02% | $17.73B | 12.4 | 11.9 | 3.8 | +12.5% |
| Median | 11.6 | 10.9 | 2.8 | +12.2% |