Insider buying last 90 days
No open-market insider purchases were filed for EFSC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every EFSC insider filing, plotted on the chart in Gekko.Open EFSC in Gekko
NASDAQ: EFSC
Enterprise Financial Services (EFSC) Stock Analysis & Forecast
Oct 12 close
$59.49+0.90 (+1.5%)
Gekko Brief
AI summaryOct 12 closeEnterprise Financial Services confirmed it will hold its Q3 2026 earnings conference call on 22 October, keeping attention on upcoming results. Separately, Dimensional Fund Advisors disclosed a 6.2% passive stake of 2,243,405 shares in the company, and a separate piece highlighted Enterprise Financial's dividend profile as a point of shareholder interest.
Shares closed at $59.49, up 1.5%, sitting below the 50-day average of $62.97 but above the 200-day average of $60.22, a mixed trend picture. The stock is down 7.2% over one month and 8.9% over three months, though up 2.5% over six months and 4.7% over the past year. The GekkoIndex reads 63.9, placing EFSC in the Accumulation zone, while price remains 10.2% below the Gekko Fair Value of $66.26.
The next earnings date falls on 26 October 2026, 14 days away and inside a typical 20-trading-day holding window; the prior quarter's EPS of $1.36 beat the $1.33 estimate with a 2.6% reaction, part of a record of 6 beats in 8 quarters. No insider, Congress or unusual options activity appears in their respective windows. Seasonally, the next 20 trading days have averaged a 7.2% move over 5 years, with gains in 3 of them. Separately, analyst consensus across 5 firms shows 3 buy and 2 hold ratings, with a consensus target of $71.00 implying 19.3% upside.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Enterprise Financial Services price vs fair value
Close $59.49200-day averageGekko Fair Value $66.26
Enterprise Financial Services quick facts
- Market cap
- $2.15B
- P/E ratio
- 11.8
- Forward P/E
- 12.1
- EPS, TTM
- $5.03
- Revenue, TTM
- $695.7M
- Profit margin
- 27.4%
- Dividend yield
- 2.21%
- Beta
- 0.83
- Volume
- 189,404 avg 306,091
- 1-year return
- +4.7%
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±4.9%
- 50-day average
- $62.97
- 200-day average
- $60.22
- Next earnings
- Oct 26
- Shares outstanding
- 36.19M
Enterprise Financial Services swing-trade checklist
Enterprise Financial Services scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $59.49 sits between the 50-day ($62.97) and 200-day ($60.22) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
63.9, Accumulation
Reading 63.9 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
10.2% below
Price is 10.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 14 days
Reports on Oct 26, 2026, 14 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+7.2% on average
From this point in the calendar, the next 20 trading days averaged +7.2% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Enterprise Financial Services stock chart and price history
Enterprise Financial Services closed at $59.49 on Oct 12, 2026, +4.7% over the past year, inside a 52-week range of $51.18 to $68.73.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −7.2%
- 3 months
- −8.9%
- 6 months
- +2.5%
- 1 year
- +4.7%
The full EFSC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open EFSC in Gekko
Follow Enterprise Financial Services through every session
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About Enterprise Financial Services
Enterprise Financial Services operates as the holding company behind Enterprise Bank & Trust, offering banking and wealth management services to individuals and businesses alike. Its deposit products include checking, savings, money market accounts, and certificates of deposit, while its lending side covers commercial and industrial loans, commercial real estate, construction and land development financing, residential mortgages, agricultural loans, and consumer credit. The firm is also known for a tax credit brokerage service that helps clients buy and sell tax credits.
Beyond core banking, the company supports businesses with treasury management, international trade services, merchant processing, and card products, alongside digital tools such as online and mobile banking, remote deposit capture, fraud prevention, and cash management features like sweep accounts and controlled disbursements. Its wealth management arm provides estate planning, investment management, trust, and fiduciary services to businesses, individuals, institutions, retirement plans, and non-profit organizations. The company maintains branches and offices across Arizona, California, Kansas, Missouri, Nevada, and New Mexico, with additional SBA and deposit production offices in other states.
Founded in 1988, Enterprise Financial Services is headquartered in Clayton, Missouri. Its shares are listed on the NASDAQ under the ticker EFSC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Regional banks
- Website
- enterprisebank.com
Enterprise Financial Services GekkoIndex: the smart money zone
Enterprise Financial Services’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 63.9, in the Accumulation zone, down 0.5 points over five sessions.
63.9Accumulation
Down 0.5 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 29 | +1.0% | +5.0% | ||
| Accumulation (current zone) | 200 | 0.0% | +1.6% | ||
| Neutral | 417 | +0.4% | +1.4% | ||
| Distribution | 31 | +0.6% | −0.4% | ||
| Selling | 5 | Too few readings yet | |||
Average EFSC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the EFSC price, zone by zone.Track EFSC in Gekko
Is Enterprise Financial Services stock overvalued? Gekko Fair Value
Enterprise Financial Services trades 10.2% below Gekko Fair Value of $66.26, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Enterprise Financial Services shares are worth, recalculated every trading day.
$66.26
Gekko Fair Value, Oct 10, 2026
10.2% Undervalued
At the end of Aug 2026 the price was 9.2% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open EFSC in Gekko
Enterprise Financial Services insider and Congress trading
No open-market insider purchases were filed for Enterprise Financial Services, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in EFSC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for EFSC, plotted on the chart in Gekko.Open EFSC in Gekko
Buybacks
Enterprise Financial Services has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $22.80M
- As a share of market cap
- 1.06%
From company filings.
Enterprise Financial Services earnings: next date and track record
Enterprise Financial Services reports on Oct 26, 2026 (14 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Oct 26, 2026
14 days away
- EPS estimate
- $1.38
- Revenue estimate
- $193.1M
6 of 8reports beat the EPS estimate
±3.5%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jan 26, 2026 AI summary
- What they said
- Enterprise Financial Services Corporation (EFSC) reported Q4 and full-year 2025 results showing improvement: Q4 EPS $1.45 (adjusted $1.36), net interest income $168M, NIM 4.26%, ROAA 1.27%, pre-provision ROAA 1.74%. Loan growth was $217M in Q4 and $580M for the year, with organic growth aligned with mid-single-digit expectations after adjusting for sales, OREO movement, and participations exited. Management completed a branch acquisition (Arizona and Kansas) that added deposits, earning assets, and contributed to NII. They foreclosed on 6 of 7 Southern California RE properties, expect resolution by mid-2026, and took gains on OREO. Nonperforming assets decreased but included migration of two loans to nonaccrual ($28M). Charge-offs in Q4 were elevated (~$20M), driven by several commercial credits; management considers these largely one-offs and expects charge-offs to decline in 2026 toward normalized levels. Fee income expected to grow ~5% recurring; SBA gain-on-sale expected to grow modestly (~5%) in 2026. Expense run-rate projected ~$423M core plus $18M for branches, with ~5% growth; expenses expected to normalize around $420M. Deposit costs were 1.6% at year-end. Balance sheet growth expected 6-8% in 2026; loan growth mid-single-digits. Capital: buybacks limited due to branch acquisition; $1.1M shares authorized, ~100k covered by plan; buybacks/ dividend increases considered but balanced with growth. Management emphasizes credit quality, integration of acquisitions, and organic growth; M&A low priority.
- Guidance
- - Balance sheet growth: 6% to 8% for 2026 - Loan growth: mid-single-digits for 2026 - Expense run-rate: ~$423M core plus $18M for branches; expected ~5% growth; normalize around $420M - Fee income: recurring growth ~5% YoY - SBA gain-on-sale revenue: expected to grow modestly (~5%) in 2026 - Deposit costs: spot rate 1.6% (Dec); management models 3 Fed funds cuts in forecast impacting deposit costs (assumes decline) - Net interest margin: management expects to defend margin; assumes Fed cuts and curve shape will allow stability - Nonperforming asset resolution: expect material reduction/ resolutions by end of Q2 2026
- Risks flagged
- - Elevated charge-offs in Q4 (~$20M) and existing nonperforming assets/OREO exposure (Southern California portfolio) until monetized - Uncertainty in timing of OREO sales (litigation delays) and potential valuation/macro risk - Sensitivity to rate environment and assumptions of Fed cuts (management assumes three cuts) - Sponsor finance and construction/land development contraction risks as sponsors monetize portfolios - Integration risk from branch acquisitions and capital efficiency (TCE inefficiency)
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 26, 2026 | $1.36 est $1.33 | $191.0M est $188.6M | +2.6% |
| Oct 27, 2025 | $1.20 est $1.29 | $176.6M est $181.2M | −2.6% |
| Jul 28, 2025 | $1.37 est $1.21 | $143.2M est $169.0M | +1.3% |
| Apr 28, 2025 | $1.31 est $1.17 | $137.4M est $162.8M | +0.6% |
| Jan 27, 2025 | $1.32 est $1.16 | $136.0M est $160.4M | +6.4% |
| Oct 21, 2024 | $1.29 est $1.14 | $135.6M est $158.3M | −0.2% |
| Jul 22, 2024 | $1.19 est $1.06 | $130.1M est $154.5M | +12.9% |
| Apr 22, 2024 | $1.07 est $1.11 | $129.7M est $156.0M | −1.2% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Enterprise Financial Services stock forecast and analyst price targets
Analysts’ average 12-month price target for Enterprise Financial Services is $71.00, +19.3% from the last close, from 5 firms rating the stock in the last 90 days.
$71.00consensus 12-month target, +19.3% from the last close
Now $59.49Avg $71.00
Low $68High $72
Each firm’s latest rating in the last 90 days: 5 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 24 | StoneX | $70 | +17.7% |
| Sep 17 | Stephens | $70 | +17.7% |
| Jul 27 | Piper Sandler | $68 | +14.3% |
| Jul 24 | KBW | $72 | +21.0% |
| Jul 23 | D.A. Davidson | — | — |
+1.6%average 20-day move after past Accumulation readings
+7.2%average move over the next 20 trading days in the last 5 years
±1.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Enterprise Financial Services seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Enterprise Financial Services averaged +7.2% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.5% | 4 of 5 |
| Next 10 trading days | +1.1% | 4 of 5 |
| Next 15 trading days | +3.2% | 3 of 5 |
| Next 20 trading days | +7.2% | 3 of 5 |
| Next 30 trading days | +6.8% | 4 of 5 |
For scale, EFSC’s typical 20-trading-day move in either direction is about 4.9%.
Enterprise Financial Services market cap and key statistics
Enterprise Financial Services’s market cap is $2.15B, with a P/E ratio of 11.8 and revenue of $695.7M over the last twelve months.
Valuation
- Market cap
- $2.15B
- P/E ratio
- 11.8
- Forward P/E
- 12.1
- EPS, TTM
- $5.03
- Gekko Fair Value
- $66.26
Trading
- Volume
- 189,404
- Avg volume, 20 days
- 306,091
- 52-week high
- $68.73
- 52-week low
- $51.18
- Shares outstanding
- 36.19M
Financials
- Revenue, TTM
- $695.7M
- Profit margin
- 27.4%
- Return on equity
- 9.6%
- Quarterly earnings growth, YoY
- −19.9%
Risk and income
- Beta
- 0.83
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±4.9%
- Dividend yield
- 2.21%
Enterprise Financial Services stock news this week
3 headlines about Enterprise Financial Services from the past week, newest first, each linking to the publisher.
- Enterprise Financial Services Corp Announces Third Quarter 2026 Earnings Release and Conference CallBusiness Wire, Oct 9
- A 2.24M-share passive stake is reported in Enterprise Financial (EFSC).Stock Titan, Oct 8
- Enterprise Financial Services (EFSC) Could Be a Great ChoiceZacks Investment Research, Oct 6
Enterprise Financial Services peers
Enterprise Financial Services’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Enterprise Financial Services stock FAQ
What is Enterprise Financial Services’s market cap?
Enterprise Financial Services’s market cap is $2.15B at the Oct 12, 2026 close of $59.49, with 36.19M shares outstanding. The shares trade on a P/E ratio of 11.8.
What is the Enterprise Financial Services stock forecast?
The consensus analyst 12-month price target for Enterprise Financial Services is $71.00, +19.3% from the last close. Of the 5 firms that rated the stock in the last 90 days, 3 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Enterprise Financial Services stock overvalued or undervalued?
On Gekko’s estimate Enterprise Financial Services is undervalued: the Oct 12, 2026 close of $59.49 is 10.2% below Gekko Fair Value of $66.26. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Enterprise Financial Services report earnings next?
Enterprise Financial Services is expected to report on Oct 26, 2026 (14 days away). Analysts expect earnings of $1.38 per share on revenue of $193.1M. Enterprise Financial Services beat the earnings estimate in 6 of its last 8 reports, moving 3.5% on average across the report.
What is Enterprise Financial Services’s 52-week high and low?
Enterprise Financial Services’s 52-week high is $68.73 and its 52-week low is $51.18; it closed at $59.49 on Oct 12, 2026, +4.7% over the past year.
Is Enterprise Financial Services stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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