WinstonWınston
Back
Enterprise Financial Services logo

Enterprise Financial Services

EFSCP
48
Banks - Regional · Financial Services
Price
$19.90
+0.01 (+0.05%)
Market Cap
$2.46B
Exchange
NASDAQ Global Select
Winston Score
48
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 26, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Mixed
Valuation
Good
Dividends
Good

Share count rising — dilution

+8.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 34.5M (2021) → 37.3M (2025)

Winston Score History

The full picture

Enterprise Financial Services Corp acts as the financial parent company for Enterprise Bank & Trust, delivering an extensive range of banking and wealth management solutions to both individual and corporate clients. Its banking services include various account types such as checking, savings, and money market accounts, alongside certificates of deposit. The company also offers a diverse lending portfolio, encompassing commercial and industrial loans, commercial and residential real estate financing, construction and land development loans, agricultural loans, and personal consumer loans. Beyond traditional banking, it provides treasury management and international trade support. A specialized tax credit brokerage service involves acquiring tax credits and reselling them to clients. The firm’s wealth management division furnishes comprehensive financial and estate planning, investment management, and trust services, catering to businesses, individuals, institutions, retirement plans, and non-profit organizations. Additional offerings include fiduciary and general financial advisory services, merchant processing, and both debit and credit card products. Leveraging technology, the company offers international banking, insurance services, and digital banking platforms including internet and mobile banking, remote deposit capture, fraud prevention tools like positive pay, automated payable systems, and check and statement imaging. It also supplies sophisticated cash management products, controlled disbursements, repurchase agreements, and sweep investment accounts. Enterprise Financial Services Corp maintains banking branches and administrative offices in Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Additionally, it operates a network of Small Business Administration (SBA) loan origination and deposit production offices across various other states. The company was founded in 1988 and is headquartered in Clayton, Missouri.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+16.0% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-19.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$16.4B cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Enterprise Financial Services is a rare growth stock that's already generating positive cash flow while growing at 16%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+19.9%
Fast-growing sales (+19.9% YoY)
Profit growth
EPS YoY
-4.5%
Earnings shrinking (-4.5% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
12.6x
Attractive valuation — P/E 12.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.1
GROWING
Earnings roughly flat

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend
Dividend Yield
6.28%
Healthy income — 6.28% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+0.0%
Dividend flat

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial