Enterprise Financial Services Corp EFSC | NASDAQ

Dividends

Company Overview:

Market Cap: $2.24B
Trailing PE: 12.5x
FWD PE *: 10.5x
Payout Ratio (TTM): 20.9%
52-Week Range: $51.40 - $68.73

* Forward PE is based on street estimates.

10 Year EFSC Performance Metrics:

Total Return (with DRIP): 99.5% (7.15% CAGR)
Total Return (no DRIP): 88.5% (6.55% CAGR)
Share Price: 66.5% (5.23% CAGR)
Yield on Cost (with DRIP): 4.49%
Total Invested: $10,000
Total Value (with DRIP): $19,947
Total Return $ (with DRIP): $9,947
Dividend Increase: 209.1% (12.26% CAGR)
Dividend Yield (FWD): 2.25% ($1.40)
EFSC 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
EFSC Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
EFSC Price CAGR:1Y: 17.56%2Y: 2.20%5Y: 5.18%10Y: 5.23%
EFSC Dividend Charts
EFSC - Dividends
EFSC Dividend CAGR:1Y: 12.50%2Y: 13.39%5Y: 12.47%10Y: 12.59%
EFSC - Dividend Payout Ratio
EFSC Dividend Payout Ratio CAGR:1Y: 15.58%2Y: 20.74%5Y: -9.59%10Y: 5.48%
EFSC - Dividend to Free Cash Flow Ratio
EFSC Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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EFSC - Chart 1
EFSC - Chart 2
EFSC - Chart 3

EFSC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue
EFSC Revenue CAGR:1Y: 42.38%2Y: 9.82%5Y: 17.54%10Y: 18.97%
Earnings Per Share (EPS)
EFSC EPS CAGR:1Y: -4.20%2Y: -7.07%5Y: 24.57%10Y: 6.81%
Net Income
EFSC Net Income CAGR:1Y: -6.17%2Y: -8.40%5Y: 24.99%10Y: 13.63%
EBITDA
EFSC EBITDA CAGR:1Y: -39.67%2Y: -8.18%5Y: 20.32%10Y: 11.26%
Free Cash Flow
EFSC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Free Cash Flow / Share
EFSC Free Cash Flow / Share CAGR:1Y: 54.79%2Y: -8.60%5Y: 12.81%10Y: 7.09%
Operating Income
EFSC Operating Income CAGR:1Y: -37.91%2Y: -6.35%5Y: 24.59%10Y: 11.74%
Gross Profit
EFSC Gross Profit CAGR:1Y: 0.93%2Y: 13.59%5Y: 14.44%10Y: 15.85%
Shares Outstanding
EFSC Shares Outstanding CAGR:1Y: -2.61%2Y: -1.51%5Y: -0.32%10Y: 6.04%
Share Buybacks
EFSC Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Stock-Based Comp
EFSC Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Expenses
EFSC Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue vs Net Income
EPS vs FCF / Share
EPS vs PE Ratio
FCF vs FCF / Share
FCF vs Stock Based Comp
Cash & Debt

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates
EFSC Actual Revenue CAGR:1Y: 42.38%2Y: 9.82%5Y: 17.54%10Y: 18.97%
EPS: Actual + Estimates
EFSC Actual EPS CAGR:1Y: -4.20%2Y: -7.07%5Y: 24.57%10Y: 6.81%
NET INCOME: Actual + Estimates
EFSC Actual Net Income CAGR:1Y: -6.17%2Y: -8.40%5Y: 24.99%10Y: 13.63%
EBITDA: Actual + Estimates
EFSC Actual EBITDA CAGR:1Y: -39.67%2Y: -8.18%5Y: 20.32%10Y: 11.26%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin
EFSC Net Profit Margin CAGR:1Y: -9.05%2Y: -16.59%5Y: 6.35%10Y: -4.49%
Gross Profit Margin
EFSC Gross Profit Margin CAGR:1Y: -2.19%2Y: 3.42%5Y: -2.64%10Y: -2.62%
Price to Earnings
EFSC Price to Earnings CAGR:1Y: 6.09%2Y: 15.33%5Y: -15.52%10Y: -0.33%
Price To Sales Ratio
EFSC Price To Sales Ratio CAGR:1Y: -3.90%2Y: -4.04%5Y: -10.73%10Y: -5.00%
Return on Capital Employed
EFSC Return on Capital Employed CAGR:1Y: -27.33%2Y: -5.07%5Y: 17.94%10Y: -0.18%
Return on Invested Capital
EFSC Return on Invested Capital CAGR:1Y: -0.22%2Y: -11.49%5Y: 18.71%10Y: 0.54%

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EFSC Dividends Info:

Annual Dividend: $1.44
Forward Yield: 2.32%
Ex-Dividend Date: 2026-12-15
Lifetime Dividends / Share: $11.23

Projected Future Returns & Dividends for EFSC

Based on past 10-year performance, here are EFSC growth metrics:

Share price CAGR of +5.23%
Dividend CAGR of +12.59%

Using EFSC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

EFSC (DRIP)EFSC - No DRIP
Current Price$62.20$62.20
Start Shares160.77160.77
Start Value$10,000$10,000
  
After 10 years:
Final Share Count221.05160.77
Dividends Payment$1.18$1.18
Annual Dividends$1,042$758
Yield on cost10.42%7.58%
Share Price$103.58$103.58
Total Dividends$4,965$4,180
Final Value$22,897$20,833

Estimated Future Value + Dividends - EFSC

NOTE: Above numbers are our estimate based on EFSC's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Company Info

Enterprise Financial Services Corp (EFSC) had its IPO on 2003-07-15, and is traded on NASDAQ stock exchange.

Enterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corporate clients. The company's core deposit offerings encompass checking, savings, and money market accounts, alongside certificates of deposit. On the lending side, EFSC extends a broad portfolio of credit facilities, including commercial and industrial loans, commercial real estate financing, construction and land development loans, residential real estate mortgages, agricultural loans, and consumer credit. Beyond traditional banking, the firm provides specialized business services such as treasury management and international trade support. It also operates a unique tax credit brokerage service, assisting clients with the acquisition and subsequent sale of tax credits. For wealth management, EFSC offers financial and estate planning, investment management, and trust services, catering to businesses, private individuals, institutions, retirement plans, and non-profit organizations. Additionally, its extensive service catalog includes fiduciary duties, expert financial advisory, merchant processing solutions, and various debit and credit card options. The company further embraces modern technology, offering international banking, insurance products, and digital platforms like internet and mobile banking. Operational efficiencies are supported by remote deposit capture, positive pay systems, robust fraud detection and prevention tools, automated payable services, and comprehensive check and statement/document imaging capabilities. Complementing these, its cash management products feature controlled disbursements, repurchase agreements, and sweep investment accounts. Geographically, Enterprise Financial Services Corp maintains a physical presence with banking branches and administrative offices in key markets across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Moreover, it operates a network of specialized SBA loan production offices and deposit production offices in numerous other states. Founded in 1988, Enterprise Financial Services Corp is headquartered in Clayton, Missouri.

EFSC website: https://www.enterprisebank.com


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DCF Model — EFSC

Value from:
Pay up to today
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vs current price $62.20
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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
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grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →