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Enterprise Financial Services Corp  (EFSC)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 
Price: $39.6500 $-0.27 -0.676%
Day's High: $39.69 Week Perf: -0.03 %
Day's Low: $ 38.48 30 Day Perf: -4.76 %
Volume (M): 121 52 Wk High: $ 55.76
Volume (M$): $ 4,794 52 Wk Avg: $40.99
Open: $39.60 52 Wk Low: $32.97



 Market Capitalization (Millions $) 1,488
 Shares Outstanding (Millions) 38
 Employees 459
 Revenues (TTM) (Millions $) 595
 Net Income (TTM) (Millions $) 194
 Cash Flow (TTM) (Millions $) 142
 Capital Exp. (TTM) (Millions $) 7

Enterprise Financial Services Corp

Enterprise Financial Services Corp, a Delaware corporation, is a financial holding company headquartered in St. Louis, Missouri. We are the holding company for a full service banking subsidiary, Enterprise Bank & Trust (the “Bank”), offering banking and wealth management services to individuals and corporate customers primarily located in the St. Louis, Kansas City, and Phoenix metropolitan markets. Our executive offices are located at 150 North Meramec, Clayton, Missouri 63105 and our telephone number is (314) 725-5500.

Our stated mission is “to guide our clients to a lifetime of financial success.” We have established an accompanying corporate vision “to deliver customer and financial performance that positions us in the top quartile of our peers.” These tenets are fundamental to our business strategies and operations.

Our general business strategy is to generate superior shareholder returns by providing comprehensive financial services primarily to private businesses, their owner families, and other success-minded individuals through banking and wealth management lines of business. The Company has one segment for purposes of its financial reporting.

The Company offers a broad range of business and personal banking services, and wealth management services. Lending services include commercial and industrial, commercial real estate, real estate construction and development, residential real estate, and consumer loans. A wide variety of deposit products and a complete suite of treasury management and international trade services complement our lending capabilities. Tax credit brokerage activities consist of the acquisition of Federal and State tax credits and the sale of these tax credits to clients. Enterprise Trust, a division of the Bank (“Enterprise Trust” or “Trust”), provides financial planning, estate planning, investment management, and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations.

Key components of our strategy include a focused and relationship-oriented distribution and sales approach, with an emphasis on growing fee income and niche businesses, while maintaining prudent credit and interest rate risk management, appropriate supporting technology, and controlled expense growth.

Building long-term client relationships - Our growth strategy is largely client relationship driven. We continuously seek to add clients who fit our target market of businesses, business owners, professionals, and associated relationships. Those relationships are maintained, cultivated, and expanded over time by trained, experienced banking officers and wealth advisors. We fund loan growth primarily with core deposits from our business and professional clients in addition to consumers in our branch market areas. This is supplemented by borrowing from the Federal Home Loan Bank of Des Moines (the “FHLB”), the Federal Reserve, and by issuing brokered certificates of deposits.

Fee income business - Enterprise Trust offers a wide range of fiduciary, investment management, and financial advisory services. We employ attorneys, certified financial planners, estate planning professionals, and other investment professionals. Enterprise Trust representatives assist clients in defining lifetime goals and designing plans to achieve them, consistent with the Companys long-term relationship strategy. We also offer a broad range of Treasury Management products and services that benefit businesses ranging from large national clients to the smallest local merchants. Customized solutions and special product bundles are available to clients of all sizes. Responding to ever increasing needs for tightened security and improved functional efficiency, the Company continues to offer robust treasury systems that employ advanced mobile technology and fraud detection/mitigation. The Company also offers card services, international banking, and tax credit businesses that generate fee income.

Specialty Lending and Product Niches - We have focused an increasing amount of our lending activities in specialty markets where we believe our expertise and experience as a sophisticated commercial lender provides advantages over other competitors. In addition, we have developed expertise in certain product niches. These specialty niche activities focus on the following areas:

Enterprise Value Lending/Senior Debt Financing. We support mid-market company mergers and acquisitions primarily for Midwest-based manufacturing companies. We market directly to targeted private equity firms and provide a combination of senior debt and mezzanine debt financing.

Life Insurance Premium Finance. We specialize in financing high-end whole life insurance premiums utilized in high net worth estate planning.

Tax Credit Related Lending. We are a secured lender on affordable housing projects funded through the use of Federal and Missouri State Low Income Housing tax credits. In addition, we provide leveraged and other loans on projects funded through the Department of the Treasury CDFI New Markets Tax Credit program. In 2011, 2013, 2014, and 2015, we were selected as one of the relatively few banks to be allocated to distribute New Markets Tax Credits. In this capacity, we have been responsible for allocating a total of $183 million of tax credits to clients and projects.

Tax Credit Brokerage. We acquire Missouri state tax credits from affordable housing development funds and sell the tax credits to clients and other individuals for tax planning purposes.

Enterprise Advisory Services. We have developed a proprietary deposit platform allowing registered investment advisory firms to offer FDIC insured cash deposits in addition to other investment products.

Enterprise Aircraft Finance. Beginning in 2016, we established a unit specializing in financing and leasing solutions for the acquisition of fixed and rotor wing aircraft.
Capitalizing on technology - We view our technological capabilities to be a competitive advantage. Our systems provide Internet banking, expanded treasury management products, check and document imaging, and remote deposit capture systems. Other services currently offered by the Bank include controlled disbursements, repurchase agreements, and sweep investment accounts. Our treasury management suite of products blends advanced technology and personal service, which we believe often creates a competitive advantage over larger banks. Technology is also extensively utilized in internal systems, operational support functions, customer service, associate productivity, and management reporting and analysis.



   Company Address: 150 North Meramec Avenue Clayton 63105 MO
   Company Phone Number: 725-5500   Stock Exchange / Ticker: NASDAQ EFSC
   


Customers Net Income fell by EFSC's Customers Net Profit Margin fell to

-4.47 %

11.38 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BANR        2.69% 
BK        0.38% 
BPOP   -0.41%    
CFG        3.94% 
FITB        3.31% 
NTRS        1.8% 
• View Complete Report
   



Enterprise Financial Services Corp

Enterprise Financial Services Corp Sees -3.551% Decrease in Revenue, Signaling Trouble Ahead

Enterprise Financial Services Corp, a regional banking company, recently released its financial report for the period ending December 31, 2023. The report highlighted a decline in income per share and revenue, as well as a decrease in earnings compared to the previous year.
In terms of income per share, there was a significant drop of -25.35% from $1.54 per share to $1.15 per share. This represents a decrease of -1.78% from the preceding financial reporting period, where income per share was $1.17. The decline in income per share is a cause for concern as it reflects a decrease in profitability for the company.

Enterprise Financial Services Corp

Enterprise Financial Services Corp's Profitability Plummets in Latest Fiscal Period: What Went Wrong?

Enterprise Financial Services Corp (EFSC) has experienced a drop of -1.29% in its stock over the last five trading days, bringing its year-to-date performance to -27.66%. Despite this decline, the stock is still trading 6.8% above its 52-week low.
EFSC recently reported its financial results for the period from July to September 2023, and the findings shed light on the company's performance. During this period, EFSC witnessed expanding sales but shrinking earnings per share (EPS). The company's revenue grew by 9.488% to $145.69 million compared to $133.07 million in the previous year. However, its income fell by -11.36% to $1.17 per share, a decline from $1.32 in the previous year's reporting season.
In comparison to other companies in the Regional Banks sector, EFSC has outperformed its contemporaries in terms of revenue improvement. While the rest of the sector experienced a 9.19% increase in revenue during the same period, EFSC's revenue growth stood at 9.488%. However, relative to the prior reporting season, EFSC witnessed a decrease of -1.984% in revenue, down from $148.64 million.

Enterprise Financial Services Corp

Enterprise Financial Services Corp Registers Moderate Profit Increase Amid Q2 2023, Despite Slower Pace

Enterprise Financial Services Corp, a financial services company, recently released its financial results for the April to June 30, 2023 timeframe. During this period, the company experienced positive growth in some areas but faced challenges in others.
One of the positive aspects of the financial report was the increase in income per share. The company saw an 8.4% growth, with income per share rising from $1.19 to $1.29 compared to the previous year. This indicates that the company's profitability improved during this timeframe. However, the company also reported a decrease in profits of -11.64%, with profits per share falling from $1.46 to $1.29. This suggests that the company faced some financial challenges during this period.

Enterprise Financial Services Corp

Enterprise Financial Services Corp announced a very astonishing surge in revenue, in the first quarter of 2023 earnings season

The financial report for March 31, 2023, shows that the outstanding revenue growth of a Consumer Financial Services company has surpassed the astonishing EPS (earnings per share) growth. The revenue has experienced a significant jump of 22.902% to $152.24 million, compared to the corresponding quarter from the previous year, where income increased by 18.7% to $1.46 per share. However, EPS has deteriorated from the preceding quarter by -5.16%, where earnings per share dropped to $1.54 per share. Additionally, revenue decreased by -0.873% from $153.59 million.
Despite the decline in EPS, the financial report reflects notable execution and notable contributions from clients, indicating that the company has performed exceptionally well. This has resulted in the company being stimulated to bank on a terrific year by accelerating both perceptibility and expansion. The report shows that the bottom-line of $55.738 million in the first quarter of the 2023 earnings season has increased by 16.87% from net earnings of $47.693 million reported in the first quarter of the previous year's earnings season.
Enterprise Financial Services Corp, another company in the financial sector, shifted its focus on improving sales during the first quarter of the 2023 earnings season. As a result, the net margin of the company eased to 36.61%. However, operating earnings improved by 16.68% to $71.261 million.






 

Enterprise Financial Services's Segments
 
 
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  Company Estimates  
  Revenue Outlook
Enterprise Financial Services does not provide revenue guidance.

Earnings Outlook
Enterprise Financial Services Corp does not provide earnings estimates.

 
Geographic Revenue Dispersion




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