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EFSCEnterprise Financial Services CHold5.7·$62.44+1.00%
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Enterprise Financial Services C (EFSC) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $62.44, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro markets; Analyst target reached - limited upside remaining.

Enterprise Financial Services Corp is a Missouri-based financial holding company operating Enterprise Bank & Trust, offering banking and wealth management to privately-held businesses and professionals in AZ, CA, FL, KS, MO, NV, and NM. Revenue derives primarily from net... Read more

$62.44-0.3% A.UpsideScore 5.7/10#86 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.10%(5y avg 2.02%)Payout23.77%sustainable
Stop $59.36Target $62.23(resistance)A.R:R -0.9:1
Analyst target$65.80+5.4%5 analysts
$62.23our TP
$62.44price
$65.80mean
$67

Hold if already holding. Not a fresh buy at $62.44, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro markets; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 48d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-09
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 27, 202648d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Risks
Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro markets
Analyst target reached - limited upside remaining
Near 52-week high (-0.2% away)

Key Metrics

P/E (TTM)11.7
P/E (Fwd)10.5
Mkt Cap$2.3B
EV/EBITDA
Profit Mgn28.9%
ROE10.3%
Rev Growth12.6%
Beta0.82
Dividend2.10%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C0.37bullish
IV53%elevated
Max Pain$55-11.9% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHGeographicSt. Louis, Kansas City, Phoenix and other metro markets
    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.'
  • MEDIUMregulatorySBA Preferred Lender program
    10-K Item 1A: 'Our SBA lending program is dependent upon the U.S. federal government...If we lose our status as a Preferred Lender, we may lose some or all of our clients'

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

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

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

Bollinger
0.2
Support Resistance
1.6
52w Position
9.7
GatesA.R:R -0.9=NEGATIVEMomentum 6.6>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 48d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
64 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $56.70Resistance $63.50

Price Targets

$59
$62
A.Upside-0.3%
A.R:R-0.9:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-8.3% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-27 (48d)

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?

Hold if already holding. Not a fresh buy at $62.44, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro markets; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Target $62.23 (-0.3%), stop $59.36 (−5.2%), A.R:R -0.9:1. Score 5.7/10, moderate confidence.

What is the EFSC stock price target?

Take-profit target: $62.23 (-0.3% upside). Target $62.23 (-0.3%), stop $59.36 (−5.2%), A.R:R -0.9:1. Stop-loss: $59.36.

What are the risks of investing in EFSC?

Concentration risk — Geographic: St. Louis, Kansas City, Phoenix and other metro markets; Analyst target reached - limited upside remaining; Near 52-week high (-0.2% away).

Is EFSC overvalued or undervalued?

Enterprise Financial Services C trades at a P/E of 11.7 (forward 10.5). TrendMatrix value score: 7.4/10. Verdict: Hold.

What do analysts say about EFSC?

11 analysts cover EFSC with a consensus score of 4.0/5. Average price target: $66.

What does Enterprise Financial Services C do?Enterprise Financial Services Corp is a Missouri-based financial holding company operating Enterprise Bank & Trust,...

Enterprise Financial Services Corp is a Missouri-based financial holding company operating Enterprise Bank & Trust, offering banking and wealth management to privately-held businesses and professionals in AZ, CA, FL, KS, MO, NV, and NM. Revenue derives primarily from net interest income on C&I, CRE, SBA, and specialty lending products funded by core deposits and national deposit verticals.

Related stocks: IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · CUBI (Customers Bancorp, Inc) · GABC (German American Bancorp, Inc.) · COLB (Columbia Banking System, Inc.)
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