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Enterprise Financial Services C (EFSC) Stock Analysis

Range Bound setup

Buy WaitModerate Confidence

Financial Services · Banks - Regional

Wait for pullback to $55.10. Weak momentum — blocks BUY_NOW at $57.77. Engine's entry $55.10 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro areas; Analyst target reached - limited upside remaining.

Enterprise Financial Services Corp operates Enterprise Bank & Trust, offering commercial banking and wealth management primarily in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It focuses on commercial loans, SBA preferred-lender lending, specialty... Read more

$57.77+7.8% A.UpsideScore 5.7/10#92 of 142 Banks - Regional
Entry $55.10(Support Atr Sticky)Stop $52.12Target $59.68(resistance)A.R:R -0.1:1Setup A.R:R 1.8:1
Analyst target$65.80+13.9%5 analysts
$59.68our TP
$57.77price
$65.80mean
$67

Wait for pullback to $55.10. Weak momentum — blocks BUY_NOW at $57.77. Engine's entry $55.10 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro areas; Analyst target reached - limited upside remaining. Chart setup: RSI 47 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 5.7/10, moderate confidence.

Passes 5/7 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 87d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val7.6Qual5.3Grw4.9Mom2.9Sent7.1Ins5.0Peer5.6Tech6.7Risk7.45.7OVERALL

Thesis

Rewards
Positive news sentiment (+1.00)
Attractive valuation
Risks
Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro areas
Analyst target reached - limited upside remaining
Negative momentum

Key Metrics

P/E (TTM)10.9
P/E (Fwd)9.8
Mkt Cap$2.1B
EV/EBITDA—
Profit Mgn28.9%
ROE10.3%
Rev Growth12.6%
Beta0.80
Dividend2.25%
Rating analysts11

Quality Signals

Piotroski F7/9

Options Flow

IV52%elevated

Concentration Risks(10-K Item 1A)

  • HIGHGeographicSt. Louis, Kansas City, Phoenix and other metro areas
    10-K Item 1A: 'A majority of our loans are to businesses and individuals in the St. Louis, Kansas City, Phoenix, Los Alamos, Albuquerque, Santa Fe, Los Angeles, San Diego, Dallas, and Las Vegas metropolitan areas'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Volume
0.0
Obv
1.0
Macd
1.8
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 2.9<4.5A.R:R -0.1=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 87d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
47 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $54.61Resistance $60.90

Price Targets

$52
$55
$60
A.Upside+3.3%
A.R:R-0.1:1
Setup A.R:R (at entry)1.8:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-0.5% upside)
! NEWS_MOD=+1: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Momentum score 2.9/10 — below 4.5 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-27 (87d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is EFSC stock a buy right now?

Wait for pullback to $55.10. Weak momentum — blocks BUY_NOW at $57.77. Engine's entry $55.10 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro areas; Analyst target reached - limited upside remaining. Chart setup: RSI 47 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $59.68 (+3.3%), stop $52.12 (−10.8%), Setup A.R:R 1.8:1. Score 5.7/10, moderate confidence.

What is the EFSC stock price target?

Take-profit target: $59.68 (+7.8% upside). Target $59.68 (+3.3%), stop $52.12 (−10.8%), Setup A.R:R 1.8:1. Stop-loss: $52.12.

What are the risks of investing in EFSC?

Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro areas; Analyst target reached - limited upside remaining; Negative momentum.

Is EFSC overvalued or undervalued?

Enterprise Financial Services C trades at a P/E of 10.9 (forward 9.8). TrendMatrix value score: 7.6/10. Verdict: Buy (Wait for Entry).

What do analysts say about EFSC?

11 analysts cover EFSC with a consensus score of 3.9/5. Average price target: $66.

What does Enterprise Financial Services C do?Enterprise Financial Services Corp operates Enterprise Bank & Trust, offering commercial banking and wealth management...

Enterprise Financial Services Corp operates Enterprise Bank & Trust, offering commercial banking and wealth management primarily in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It focuses on commercial loans, SBA preferred-lender lending, specialty products including premium finance for life insurance, and deposit verticals.

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