Enterprise Financial Services Corp (EFSC)

In the past six months, Enterprise Financial Services Corp. announced its third-quarter 2025 results on October 27, 2025, and is scheduled to release its fourth-quarter 2025 financial results on January 26, 2026, followed by a conference call on January 27, 2026. The company also announced a dividend. It completed the acquisition of twelve branches from First Interstate Bank on October 14, 2025, adding ten branches in Arizona and two in Kansas, bringing approximately $300 million in loans and $645 million in deposits, increasing Enterprise's total assets to approximately $17 billion. Analysts have given EFSC a "Moderate Buy" consensus rating with an average price target of $65.67. The stock has experienced a choppy ride recently, with a solid one-month share price return but softer year-to-date progress, though its five-year total shareholder return remains positive.

There is no explicit information available regarding the demand seasonality for Enterprise Financial Services Corp.'s products and services. Demand is generally influenced more by broader economic conditions, interest rate cycles, and business investment trends rather than distinct seasonal patterns. Certain lending activities might experience some fluctuations based on development cycles, and personal banking activities could see minor shifts around tax seasons or holiday periods.

Enterprise Financial Services Corp. (EFSC) is a financial holding company based in Clayton, Missouri, operating through Enterprise Bank & Trust. It offers banking and financial services to individuals, small- and mid-sized businesses, and institutional clients. Its services include deposit products, lending solutions, mortgage banking, treasury management, and wealth management. The company focuses on personalized financial solutions and relationship banking, generating revenue through interest income, banking service fees, and wealth management income.

Enterprise Financial Services Corp. has branch offices in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It also has Small Business Administration (SBA) loan and deposit production offices throughout the United States. This broad geographic reach helps to mitigate risks associated with localized economic downturns.

The company's operational framework is built on delivering personalized financial solutions and maintaining a strong focus on relationship banking. Its strategic growth initiatives, including the acquisition of 12 branches from First Interstate Bank, and consistent financial performance, such as robust net interest income growth and a resilient net interest margin, generally contribute positively to its market perception and reputation. EFSC emphasizes a client-centric approach and local decision-making authority, which are often associated with a strong community banking reputation.

Approximately 72.21% to 82.76% of Enterprise Financial Services Corp. stock is held by institutional investors, including The Vanguard Group, Inc., State Street Global Advisors, Inc., and Thrivent Investment Management Inc. Insiders hold a smaller percentage, ranging from 1.65% to 2.20% of the stock. Identified individual insiders who own company stock include James Brian Lally, Stephen P Marsh, Richard Sanborn, James M Havel, Robert E Guest Jr, Michael E Finn, and Lyne Andrich.