EFSC
Enterprise Financial Services Corp
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
0/100
Last price
59.61
▼ 0.21 (0.35%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
60.07
Prev close
59.82
Day high
60.47
Day low
59.56
Volume
165.96K
Market cap
$2.16B
P/E (TTM)
11.85
52W range
51.18 – 68.73
Day trading desk
Gap from prior close
+0.42%
Prior close 59.82
VWAP
59.75
-0.24% from price
Relative volume
1.02×
Normal
Session range
1.53%
59.56 – 60.47
Position in range
5%
Near session low
ATR (14D)
1.09
1.84% of price
Prior day high
60.13
PDH
Prior day low
59.52
PDL
Bid / ask spread
—
Quote not published
Session volume
251.21K
Avg 245.12K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.49%
-1.5%
1M
-7.81%
-9.0%
3M
-7.22%
-11.7%
6M
+5.99%
-12.2%
YTD
+10.39%
-3.9%
1Y
+3.67%
-12.7%
3Y
+58.96%
-23.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
17 more panels on EFSC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+12.26K
Net buying
Buy transactions
12
13.51K shares
Sell transactions
1
1.25K shares
Net transactions
+13
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
652.19K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 14, 26 | MANJARREZ MARCELA Director |
STOCK | 978 | $0 | Direct |
| Aug 14, 26 | YOUNG LINA A Director |
STOCK | 978 | $0 | Direct |
| Aug 14, 26 | HOLMES MICHAEL R Director |
STOCK | 1.96K | $0 | Direct |
| Aug 14, 26 | DECOLA MICHAEL A Director |
STOCK | 2.94K | $0 | Direct |
| Aug 14, 26 | ANDRICH LYNE B Director |
STOCK | 978 | $0 | Direct |
| Aug 14, 26 | SANBORN RICHARD MICHAEL Director |
STOCK | 978 | $0 | Direct |
| Aug 14, 26 | MARSH STEPHEN P Director |
STOCK | 1.06K | $0 | Direct |
| Aug 14, 26 | KENT NEVADA A IV Director |
STOCK | 1.06K | $0 | Direct |
| Apr 28, 26 | PONDER MARK G Officer |
SELL | 1.25K | $75.69K | Indirect |
| Apr 27, 26 | PONDER MARK G Officer |
STOCK | 1.45K | $0 | Direct |
| Apr 14, 26 | HUFFMAN BRIDGET Officer |
— | 380 | — | Direct |
| Apr 14, 26 | HANDLEY KEVIN L Officer |
— | 380 | — | Direct |
| Apr 14, 26 | DUMLAO TROY R Officer |
— | 380 | — | Direct |
| Feb 24, 26 | IANNACONE NICOLE M Officer |
— | 3.33K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BAUCHE DOUGLAS N |
Officer | 31.70K | Conversion of Exercise of derivative security |
DECOLA MICHAEL A |
Director | 54.53K | Stock Award(Grant) |
GOODMAN SCOTT RICHARD |
President | 67.82K | Stock Award(Grant) |
HOLMES MICHAEL R |
Director | 24.50K | Stock Award(Grant) |
LALLY JAMES BRIAN |
Chief Executive Officer | 139.37K | Conversion of Exercise of derivative security |
MARSH STEPHEN P |
Director | 48.60K | Stock Award(Grant) |
PONDER MARK G |
Officer | — | Sale |
SANBORN RICHARD MICHAEL |
Director | 42.96K | Stock Award(Grant) |
TURNER KEENE S CPA |
Chief Financial Officer | 66.00K | Conversion of Exercise of derivative security |
VAN TREASE SANDRA A |
Director | 53.45K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$2.16B
Enterprise value$2.36B
Revenue (TTM)$695.71M
Gross profit$695.71M
EBITDA—
Net income$186.57M
EPS (TTM)$5.03
Free cash flow—
Total cash$562.09M
Total debt$695.29M
Book value / share$54.30
Shares outstanding36.19M
Float34.89M
Short % of float3.91%
Dividend yield2.25%
Beta (5Y)0.83
Valuation & profitability ratios
Trailing P/E11.85
Forward P/E10.08
PEG ratio1.23
Price / sales—
Price / book1.10
EV / revenue3.40
EV / EBITDA—
Gross margin0.00%
Operating margin30.78%
Profit margin27.36%
Return on equity9.60%
Return on assets1.14%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $616.38M | $531.45M | $541.19M | $492.48M | +16.0% |
| Operating revenue | $616.38M | $531.45M | $541.19M | $492.48M | +16.0% |
| Selling, general & admin | $211.96M | $195.87M | $177.73M | $154.13M | +8.2% |
| Pre-tax income | $283.72M | $231.24M | $246.53M | $259.46M | +22.7% |
| Net income | $201.37M | $185.27M | $194.06M | $203.04M | +8.7% |
| Net income to common | $197.62M | $181.52M | $190.31M | $199.00M | +8.9% |
| Basic EPS | 5.34 | 4.86 | 5.09 | 5.32 | +9.9% |
| Diluted EPS | 5.31 | 4.83 | 5.07 | 5.31 | +9.9% |
| Basic shares | 37.01M | 37.35M | 37.39M | 37.41M | -0.9% |
| Diluted shares | 37.24M | 37.58M | 37.54M | 37.48M | -0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $677.01M | $760.35M | $434.00M | $297.63M | -11.0% |
| Goodwill & intangibles | $438.14M | $373.65M | $377.48M | $382.08M | +17.3% |
| Total assets | $17.30B | $15.60B | $14.52B | $13.05B | +10.9% |
| Long-term debt | $188.62M | $192.75M | $203.62M | $308.78M | -2.1% |
| Total debt | $188.62M | $192.75M | $203.62M | $308.78M | -2.1% |
| Retained earnings | $1.02B | $877.63M | $749.51M | $597.57M | +16.3% |
| Shareholder equity | $2.04B | $1.82B | $1.72B | $1.52B | +11.8% |
| Net tangible assets | $1.60B | $1.45B | $1.34B | $1.14B | +10.4% |
| Shares issued | 36.97M | 36.99M | 37.42M | 39.23M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $201.37M | $185.27M | $194.06M | $203.04M | +8.7% |
| Depreciation & amortisation | $11.43M | $10.07M | $11.34M | $14.01M | +13.5% |
| Stock-based compensation | $13.49M | $10.87M | $10.15M | $8.01M | +24.1% |
| Change in working capital | -$50.25M | $23.35M | $8.71M | -$19.98M | -315.2% |
| Operating cash flow | $193.51M | $247.40M | $268.24M | $216.64M | -21.8% |
| Capital expenditure | -$11.98M | -$7.47M | -$6.56M | -$1.93M | -60.3% |
| Investing cash flow | -$1.08B | -$796.87M | -$1.31B | -$1.38B | -35.4% |
| Share buybacks | -$14.14M | -$29.64M | $0 | -$32.92M | +52.3% |
| Dividends paid | -$48.84M | -$43.30M | -$41.12M | -$37.64M | -12.8% |
| Free cash flow | $181.53M | $239.93M | $261.68M | $214.71M | -24.3% |
| End cash position | $681.90M | $764.17M | $433.03M | $291.36M | -10.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $155.38M | $159.25M | $176.60M | $143.15M | $137.38M | — |
| Operating revenue | — | $155.38M | $159.25M | $176.60M | $143.15M | $137.38M | — |
| Selling, general & admin | — | $59.26M | $53.81M | $53.20M | $53.59M | $51.36M | — |
| Pre-tax income | — | $62.85M | $69.82M | $88.67M | $64.19M | $61.03M | — |
| Tax provision | — | $13.49M | $15.02M | $43.44M | $12.81M | $11.07M | — |
| Net income | — | $49.36M | $54.79M | $45.23M | $51.38M | $49.96M | — |
| Net income to common | — | $48.42M | $53.86M | $44.30M | $50.45M | $49.02M | — |
| Basic EPS | 1.10 | 1.31 | 1.46 | 1.20 | 1.36 | — | -16.0% |
| Diluted EPS | 1.09 | 1.30 | 1.45 | 1.19 | 1.36 | — | -16.2% |
| Basic shares | 36.44M | 36.91M | 37.00M | 37.02M | 36.96M | — | -1.3% |
| Diluted shares | 36.70M | 37.15M | 37.27M | 37.33M | 37.17M | — | -1.2% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $627.34M | $677.01M | $469.89M | $481.35M | $474.95M | -7.3% |
| Property, plant & equipment | $57.96M | $58.99M | $49.25M | $48.64M | $48.08M | -1.8% |
| Goodwill & intangibles | $436.49M | $438.14M | $371.30M | $372.04M | $372.79M | -0.4% |
| Total assets | $17.23B | $17.30B | $16.40B | $16.08B | $15.68B | -0.4% |
| Long-term debt | $413.10M | $188.62M | $667.62M | $661.44M | $617.33M | +119.0% |
| Total debt | $413.10M | $188.62M | $667.62M | $661.44M | $617.33M | +119.0% |
| Total liabilities | $15.21B | $15.26B | $14.42B | $14.15B | $13.81B | -0.4% |
| Retained earnings | $1.04B | $1.02B | $980.55M | $947.86M | $908.55M | +2.0% |
| Shareholder equity | $2.02B | $2.04B | $1.98B | $1.92B | $1.87B | -0.8% |
| Net tangible assets | $1.59B | $1.60B | $1.61B | $1.55B | $1.50B | -1.0% |
| Shares issued | 36.58M | 36.97M | 37.01M | 36.95M | 36.93M | -1.0% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $49.36M | $54.79M | $45.23M | $51.38M | $49.96M | -9.9% |
| Depreciation & amortisation | $3.74M | $3.67M | $2.59M | $2.79M | $2.39M | +1.9% |
| Stock-based compensation | $4.30M | $4.28M | $3.02M | $3.06M | $3.13M | +0.6% |
| Change in working capital | -$9.83M | -$25.46M | -$8.21M | -$968.00K | -$15.61M | +61.4% |
| Operating cash flow | $58.50M | $42.84M | $49.36M | $61.29M | $40.02M | +36.6% |
| Capital expenditure | -$1.02M | -$3.02M | -$2.24M | -$2.32M | -$4.40M | +66.1% |
| Investing cash flow | $91.13M | -$30.87M | -$315.81M | -$366.53M | -$365.74M | +395.2% |
| Share buybacks | -$27.24M | -$3.52M | $0 | -$14.00K | -$10.62M | -675.0% |
| Dividends paid | -$13.11M | -$12.76M | -$12.41M | -$12.02M | -$11.65M | -2.7% |
| Financing cash flow | -$197.07M | $197.97M | $246.88M | $315.09M | $43.22M | -199.5% |
| Free cash flow | $57.48M | $39.82M | $47.12M | $58.97M | $35.62M | +44.3% |
| End cash position | $634.47M | $681.90M | $471.95M | $491.52M | $481.67M | -7.0% |
Options analytics
Put / call volume
2.00
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
60.00
+0.7% from spot
ATM implied vol
1.6%
Nearest strike to spot
Skew (10% OTM)
-12.5%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
60.00
0 contracts
Heaviest put OI
60.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.34 | 1.13 | -15.8% |
| Mar 2026 | 1.30 | 1.31 | +1.0% |
| Dec 2025 | 1.36 | 1.36 | -0.2% |
| Sep 2025 | 1.29 | 1.20 | -7.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.39 | 7 | $193.51M | -5.6% |
| Next quarter | 1.47 | 7 | $198.73M | +2.7% |
| Current year | 5.29 | 7 | $769.50M | +4.0% |
| Next year | 5.91 | 7 | $805.59M | +4.7% |
Analyst targets & ownership
Mean target$71.00
High target$74.00
Low target$68.00
Implied upside19.11%
Analyst count7
ConsensusBUY
Strong buy / Buy2 / 3
Hold2
Sell / Strong sell0 / 0
Held by insiders1.80%
Held by institutions85.75%
Institutions holding369
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
59.89
-0.47% from price
SMA 20
61.24
-2.66% from price
SMA 50
63.55
-6.20% from price
SMA 100
63.50
-6.13% from price
SMA 200
60.16
-0.91% from price
EMA 12
60.28
-1.11% from price
EMA 26
61.45
-3.00% from price
EMA 50
62.48
-4.59% from price
RSI (14)
35.2
Neutral
MACD (12,26,9)
-1.18
Hist -0.03
ATR (14)
1.09
1.84% of price
Realised vol 30D
13.8%
Annualised
Bollinger upper
64.60
20, 2σ
Bollinger lower
57.89
20, 2σ
50 / 200 cross
Golden
63.55 vs 60.16
Trend bias
Below 200
-0.91%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.55
Less volatile than market
Correlation to SPY
0.31
Loosely linked
Realised vol 30D
13.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.5%
Peak to trough
Max drawdown 5Y
-39.8%
Peak to trough
ATR 14
1.09
1.84% of price
Beta (reported)
0.83
5Y monthly, from filing
Short interest
Shares short
1.39M
Prior 1.01M
Change vs prior
+37.6%
Shorts adding
% of float
3.91%
Normal
% of shares out
3.84%
Against total outstanding
Days to cover
6.9
Crowded exit
Float
34.89M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 24, 26 | StoneX | INITIATED | — | Buy |
| Sep 18, 26 | Stephens & Co. | INITIATED | — | Equal-Weight |
| Jul 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 24, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 1, 26 | Raymond James | MAINTAINED | Outperform | Outperform |
| Jun 18, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 24, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 28, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jan 28, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 29, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Oct 29, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 28, 25 | DA Davidson | MAINTAINED | Buy | Buy |
Dividends & splits
Forward rate$1.34 / yr
Forward yield2.25%
5-year avg yield2.00%
Payout ratio25.84%
Ex-dividend dateSep 15, 2026
Next pay dateSep 30, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-20
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-04
Periodic Financial Reports
10-Q · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-22
Annual report of employee stock purchase
11-K · 2026-06-25
Corporate Changes & Voting Matters
8-K · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-06-09
Headlines
Enterprise Financial Services (EFSC) Could Be a Great Choice
Zacks · 15h ago
1 Russell 2000 Stock with Exciting Potential and 2 We Ignore
StockStory · 16d ago
Stephens Initiates Enterprise Financial Services at Equalweight With $70 Price Target
MT Newswires · 19d ago
Q2 Earnings Outperformers: Enterprise Financial Services (NASDAQ:EFSC) And The Rest Of The Regional Banks Stocks
StockStory · 33d ago
3 Small-Cap Stocks We Steer Clear Of
StockStory · 47d ago
3 Bank Stocks We Keep Off Our Radar
StockStory · 64d ago
How EFSC’s Bigger Buyback And Dividend Focus Has Changed Its Investment Story
Simply Wall St. · 73d ago
Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings Call Highlights: Strong Loan Growth ...
GuruFocus.com · 75d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.