Enterprise Financial Services Group (EFSG) Fair Value & Analysis
Financial Services · US · Market cap $35.4M
Enterprise Financial Services Group
EFSG · US
Fair value as of: Jul 26, 2026
From 4 valuation models · updated 15 days ago
Share price −5.8% over the past month.
Below-average quality, screening 17% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from $28.14 (bear) to $46.90 (bull), base $37.52. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 48/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $4.51 – $33.98 · fair‑value band $28.14 – $46.90 · the $32.00 price screens below the $37.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Enterprise Financial Services Group (EFSG) currently trades at $32.00, while our model-based Fair Value estimate is $37.52, implying the stock looks roughly 17.3% undervalued today. The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Enterprise Financial Services Group generated revenue of $20.0M at a net margin of 17.3%. Revenue grew 121.5% year over year. It earns a return on equity of 8.7%. Net debt stands at $58.4M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $28.14 (bear case) to $46.90 (bull case); at $32.00, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 76% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 17%, EFSG screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($37.52) versus Asset-Based ($22.86). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 84
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Enterprise Financial Services Group, Inc., through its wholly owned subsidiary, Enterprise Bank, provides various banking products and services in the United States.
Full company description
Enterprise Financial Services Group, Inc., through its wholly owned subsidiary, Enterprise Bank, provides various banking products and services in the United States. The company offers consumer checking and savings accounts; business checking and savings accounts; and certificate of deposit and IRA accounts; and commercial mortgage and term loans, commercial lines of credit, small business administration and government loans, construction and development finance, equipment finance, and working capital finance. It also provides real estate title verification and insurance services; professional services, such as bookkeeping, marketing, advertising and web design services for its small business clients; light construction support to the Bank for its foreclosed properties; and credit and debit cards; remote deposit services; and merchant services, as well as online and mobile banking services. In addition, the company operates The Club which is a membership oriented service for small businesses that provides training and networking opportunities, as well as flexible office and event space for its members; and holding company for foreclosed properties. Further, the company offers general contractor services for the construction of the Kuzneski & Lockard, Inc. office facility; full service real estate agency; and holds title to mineral rights the Bank has obtained through foreclosure. Enterprise Financial Services Group, Inc. was founded in 1998 and is headquartered in Allison Park, Pennsylvania.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Enterprise Financial Services Group reported revenue of $33.1M in FY2025 versus $22.1M in FY2021, a compound +10.6%/yr. Reported net income was $3.5M in FY2025, compounding −4.2%/yr from FY2021.
of which total revenue +6.6 pp · buybacks/dilution −3.4 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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