Enterprise Financial Services (EFSC)
Commercial banking, nationwide SBA lending, specialty deposits, and wealth services for privately held businesses.
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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
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: $67 | Target: $68 |
| Jul 1, 2026 | Raymond James | Reiterate | Rating: —Target: $53 | Target: $72 |
| Jun 18, 2026 | Piper Sandler | Reiterate | Rating: —Target: $64 | Target: $67 |
| Jan 28, 2026 | DA Davidson | Reiterate | Rating: —Target: $65 | Target: $68 |
| Oct 15, 2025 | Piper Sandler | Target | Target: $62 | Target: $64 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $273.9M · Total debt $682.1M · Total assets $17.40B · Shareholders' equity $2.04B
- Revenue
- $242.8M
- Operating income
- $52.2M
- Net income
- $40.9M
HistoryDividendAnnual yield
| Institutions | 85.48% | 30.94M shares | |
|---|---|---|---|
| 269 holders · as of Jun 30, 2026 | |||
| Insiders | 1.46% | 527.6K shares | |
| 20 holders · as of Aug 18, 2026 | |||
| Other | 13.06% | 4.73M shares | |
| remainder | |||
36.19M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 9.86% | 3.57M | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 8.04% | 2.91M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 6.16% | 2.23M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.43% | 1.60M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.32% | 1.56M | as of Jun 30, 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 |
- 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.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Enterprise Financial Services | $60.92 | −0.10% | $2.21B | 12.1 | 10.8 | 2.2 | +30.9% |
| Commerce Bancshares | $56.07 | −0.85% | $8.24B | 13.8 | 12.8 | 3.8 | +11.9% |
| UMB Financial | $134.39 | +0.64% | $10.14B | 11.1 | 10.1 | 2.2 | +22.9% |
| Western Alliance | $78.61 | −0.05% | $8.59B | 8.8 | 7.6 | 1.7 | +17.7% |
| Hanmi Financial | $32.28 | +0.19% | $959.1M | 10.8 | 9.9 | 2.5 | +10.1% |
| SouthState | $103.09 | −0.02% | $10.00B | 10.8 | 10.6 | 3.1 | +1.2% |
| East West Bancorp | $126.28 | −1.17% | $17.50B | 12.3 | 11.6 | 3.7 | +12.5% |
| Median | 11.0 | 10.4 | 2.8 | +12.2% |