Enterprise Financial Services (EFSC)
Market Price (12/29/2025): $55.48 | Market Cap: $2.1 BilSector: Financials | Industry: Regional Banks
Enterprise Financial Services (EFSC)
Market Price (12/29/2025): $55.48Market Cap: $2.1 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.5%, FCF Yield is 9.3% | Weak multi-year price returns2Y Excs Rtn is -15%, 3Y Excs Rtn is -57% | Key risksEFSC key risks include [1] a significant surge in nonperforming loans and [2] rising noninterest expenses driven by higher compensation and deposit costs. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -71% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32% | ||
| Low stock price volatilityVol 12M is 27% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.5%, FCF Yield is 9.3% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -71% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32% |
| Low stock price volatilityVol 12M is 27% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Weak multi-year price returns2Y Excs Rtn is -15%, 3Y Excs Rtn is -57% |
| Key risksEFSC key risks include [1] a significant surge in nonperforming loans and [2] rising noninterest expenses driven by higher compensation and deposit costs. |
Why The Stock Moved
Qualitative Assessment
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1. Q4 2025 Earnings Per Share Miss: Enterprise Financial Services reported earnings of $1.20 per share for its "last quarter" (likely Q4 2025, based on the next earnings release expectation), missing the Zacks Consensus Estimate of $1.30 per share. This constituted a negative earnings surprise of 7.69%, a factor that could strongly influence stock price.
2. Broader Regional Bank Sector Concerns: The regional banking sector faced general headwinds, including deposit outflows to alternatives with higher yields, potential credit deterioration during economic slowdowns, and increased regulatory compliance costs. Broader concerns regarding the stability of regional banks, partly due to exposure to commercial real estate, also posed challenges.
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Stock Movement Drivers
Fundamental Drivers
The -5.2% change in EFSC stock from 9/28/2025 to 12/28/2025 was primarily driven by a -9.4% change in the company's Net Income Margin (%).| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 58.51 | 55.46 | -5.21% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 552.16 | 593.12 | 7.42% |
| Net Income Margin (%) | 36.36% | 32.95% | -9.39% |
| P/E Multiple | 10.77 | 10.51 | -2.48% |
| Shares Outstanding (Mil) | 36.96 | 37.02 | -0.14% |
| Cumulative Contribution | -5.21% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| EFSC | -5.2% | |
| Market (SPY) | 4.3% | 36.1% |
| Sector (XLF) | 3.3% | 65.4% |
Fundamental Drivers
The 0.6% change in EFSC stock from 6/29/2025 to 12/28/2025 was primarily driven by a 10.0% change in the company's Total Revenues ($ Mil).| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 55.13 | 55.46 | 0.60% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 539.13 | 593.12 | 10.01% |
| Net Income Margin (%) | 36.14% | 32.95% | -8.83% |
| P/E Multiple | 10.46 | 10.51 | 0.41% |
| Shares Outstanding (Mil) | 36.97 | 37.02 | -0.12% |
| Cumulative Contribution | 0.60% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| EFSC | 0.6% | |
| Market (SPY) | 12.6% | 42.4% |
| Sector (XLF) | 7.4% | 62.8% |
Fundamental Drivers
The 0.7% change in EFSC stock from 12/28/2024 to 12/28/2025 was primarily driven by a 12.4% change in the company's Total Revenues ($ Mil).| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 55.09 | 55.46 | 0.67% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 527.63 | 593.12 | 12.41% |
| Net Income Margin (%) | 34.30% | 32.95% | -3.94% |
| P/E Multiple | 11.37 | 10.51 | -7.58% |
| Shares Outstanding (Mil) | 37.34 | 37.02 | 0.86% |
| Cumulative Contribution | 0.66% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| EFSC | 0.7% | |
| Market (SPY) | 17.0% | 55.3% |
| Sector (XLF) | 15.3% | 65.2% |
Fundamental Drivers
The 19.4% change in EFSC stock from 12/29/2022 to 12/28/2025 was primarily driven by a 27.0% change in the company's Total Revenues ($ Mil).| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 46.46 | 55.46 | 19.38% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 466.88 | 593.12 | 27.04% |
| Net Income Margin (%) | 41.52% | 32.95% | -20.65% |
| P/E Multiple | 8.92 | 10.51 | 17.71% |
| Shares Outstanding (Mil) | 37.24 | 37.02 | 0.61% |
| Cumulative Contribution | 19.38% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| EFSC | 29.9% | |
| Market (SPY) | 48.4% | 44.6% |
| Sector (XLF) | 51.8% | 63.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EFSC Return | -26% | 37% | 6% | -7% | 29% | 1% | 31% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| EFSC Win Rate | 50% | 67% | 33% | 42% | 58% | 58% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| EFSC Max Drawdown | -50% | -1% | -14% | -30% | -15% | -18% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | EFSC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -39.8% | -25.4% |
| % Gain to Breakeven | 66.2% | 34.1% |
| Time to Breakeven | 379 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -50.2% | -33.9% |
| % Gain to Breakeven | 100.8% | 51.3% |
| Time to Breakeven | 298 days | 148 days |
| 2018 Correction | ||
| % Loss | -36.3% | -19.8% |
| % Gain to Breakeven | 56.9% | 24.7% |
| Time to Breakeven | 2,144 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -77.7% | -56.8% |
| % Gain to Breakeven | 349.4% | 131.3% |
| Time to Breakeven | 2,486 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Enterprise Financial Services's stock fell -39.8% during the 2022 Inflation Shock from a high on 2/7/2023. A -39.8% loss requires a 66.2% gain to breakeven.
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AI Analysis | Feedback
Here are 1-2 brief analogies for Enterprise Financial Services (EFSC):
KeyBank or Comerica for the Midwest and Southwest business community.
A regional, business-focused Wells Fargo or Bank of America for the Midwest and Southwest.
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- Commercial Lending: Provides various loans and lines of credit to businesses for operating capital, expansion, and equipment financing.
- Commercial Real Estate Lending: Offers financing solutions for the acquisition, development, and construction of commercial properties.
- Deposit Services: Manages a range of deposit accounts, including checking, savings, money market, and certificates of deposit for both businesses and individuals.
- Treasury Management Services: Delivers comprehensive cash management solutions to businesses, optimizing their liquidity and payment processing.
- Wealth Management: Provides personalized financial planning, investment management, and trust services to individuals and families.
- Private Banking: Offers tailored financial services and specialized lending solutions to high-net-worth individuals and their businesses.
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Enterprise Financial Services (symbol: EFSC) primarily sells its services to **other companies**.
Due to the nature of banking and client confidentiality, specific customer company names are not publicly disclosed. Enterprise Financial Services serves a diversified client base of businesses and the individuals associated with them. Based on their publicly stated focus, their major customer categories include:
- Entrepreneurial Businesses and Small to Medium-Sized Enterprises (SMEs): This includes a wide range of privately held businesses across various industries that require commercial loans, lines of credit, treasury management, and other business banking services. EFSC often targets specific niches such as franchise finance, healthcare businesses, and those seeking SBA loans.
- Commercial Real Estate Developers and Investors: Companies and entities involved in the acquisition, development, and management of various types of commercial properties.
- Business Owners and Other Professionals: Individuals, often high-net-worth, who own or lead the entrepreneurial businesses served by the bank, or other professionals (e.g., doctors, lawyers) who utilize wealth management, private banking, and personal banking services.
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- Visa Inc. (V)
- Mastercard Incorporated (MA)
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The management team members of Enterprise Financial Services (EFSC) are:James B. Lally, President & Chief Executive Officer
James B. Lally has served as President and Chief Executive Officer of Enterprise Financial Services Corp since May 2017, having previously been appointed President in August 2016. He joined Enterprise in 2003 as Senior Vice President. Before his role as CEO, he was President of EFSC, Director of Fee Businesses, and Director of Commercial Banking for Enterprise Bank & Trust. Prior to joining EFSC, Mr. Lally gained commercial banking experience at U.S. Bank and Commerce Bank, where he served as a Vice President at U.S. Bank in St. Louis. He holds an MBA from the University of Missouri-St. Louis and a Bachelor of Science in Finance from Saint Louis University. Mr. Lally has also completed The Executive Program at the Darden School of Business, University of Virginia. He serves on several boards, including Wallis Companies, St. Louis Aquarium Foundation, Gateway Arch Park Foundation, Regional Business Council, and Saint Louis University Board of Trustees.
Keene S. Turner, Senior Executive Vice President, Chief Financial Officer and Chief Operating Officer
Keene S. Turner was promoted to Chief Operating Officer in addition to his role as Senior Executive Vice President and Chief Financial Officer, effective October 1, 2025. He joined Enterprise Financial Services Corp in 2013. Mr. Turner previously served as Executive Vice President and Chief Accounting Officer at National Penn Bancshares, Inc.. Before National Penn, he was a Vice President at Griffin Financial Group, an investment banking firm where he advised financial institutions on mergers, acquisitions, and other strategic matters, indicating his involvement with companies that were sold to acquirers. His background also includes public accounting experience at Ernst & Young, LLP. Mr. Turner is a Certified Public Accountant (CPA) and holds a Bachelor of Science degree in Economics, Accounting, and Business Administration from Albright College.
Douglas N. Bauche, Senior Executive Vice President, Chief Banking Officer
Douglas N. Bauche was promoted to the newly created role of Chief Banking Officer, effective October 1, 2025, where he is responsible for the company's commercial revenue-producing businesses. He has been with Enterprise for more than 25 years, having joined Enterprise Bank & Trust in 2000 as a Vice President of commercial banking. Mr. Bauche previously served as Chief Credit Officer since May 2023. Prior to joining Enterprise, he was promoted within Mercantile's community bank credit administration, which oversaw commercial credit origination in various markets.
Nicole M. Iannacone, Senior Executive Vice President, Chief Legal Officer and Corporate Secretary
Nicole M. Iannacone serves as Senior Executive Vice President, Chief Legal Officer, and Corporate Secretary of Enterprise Financial Services Corp. She joined the company as General Counsel in 2014 and has held the role of Corporate Secretary since January 2018. Before her tenure at Enterprise, Ms. Iannacone was an attorney at Jenkins and Kling, P.C. from 2005 to 2014, becoming a Principal in 2014.
Kevin L. Handley, Senior Executive Vice President and Chief Credit Officer
Kevin L. Handley was promoted to Chief Credit Officer, effective October 1, 2025. He joined Enterprise Financial Services Corp in 2018 and previously served as Executive Vice President, Regional Senior Lender. Mr. Handley is an industry veteran with over 30 years of commercial banking experience. His prior roles include various relationship management, credit approval, and market leadership positions in commercial banking with Bank of America and Wells Fargo Bank.
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The key risks to Enterprise Financial Services (EFSC) are primarily centered around credit quality, interest rate fluctuations, and managing operational costs.
- Credit Risk from Economic Downturns and Nonperforming Loans: Enterprise Financial Services operates in a sector susceptible to economic cycles, and an economic downturn could lead to increased loan defaults and reduced demand for banking services. The company has recently experienced a significant increase in nonperforming loans, which surged to $127.9 million from $42.7 million. This presents a direct threat to the company's financial performance and asset quality.
- Interest Rate Risk: As a financial institution, EFSC is exposed to risks associated with rapid increases or decreases in prevailing interest rates. Such fluctuations can impact the company's net interest margin, profitability, and the value of its assets and liabilities.
- Rising Noninterest Expenses: The company's operational efficiency is challenged by an increase in noninterest expenses, which rose to $315.275 million from $285.525 million. This increase is primarily attributed to higher employee compensation and benefits, as well as deposit costs, which can put pressure on overall profitability.
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The accelerating competition from digitally native financial service providers, including fintech companies, neobanks, and online lenders, which offer more agile, user-friendly, and often lower-cost alternatives to traditional banking services. These digital-first entities threaten to erode EFSC's customer base and market share by attracting consumers and businesses seeking modern, convenient, and often more cost-effective financial solutions.
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Enterprise Financial Services (EFSC) primarily offers business and personal banking services, wealth management services, lending services, and treasury management services in the United States. The addressable markets for their main products and services in the U.S. or North America are:
- Commercial Banking: The commercial banking market size in the U.S. is projected to be approximately $4,398.22 billion in 2025.
- Wealth Management: The North American wealth management market is estimated to be approximately $1.09 trillion in 2024, representing about two-thirds of the global market.
- Treasury Management Services: The North American treasury management market is estimated to be approximately $2.31 billion in 2025.
- Community Banking: The U.S. community banking market was valued at approximately $6.35 billion in 2024.
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Enterprise Financial Services (EFSC) is expected to drive future revenue growth through several key strategies over the next two to three years:
- Strategic Market Expansion and Customer Growth: The company recently completed the acquisition of 12 branches, significantly enhancing its presence in Arizona and Kansas City. This expansion is anticipated to strengthen EFSC's market position and attract new customers in these regions. Additionally, EFSC is seeing positive traction and high-quality growth in newer markets such as Dallas and Las Vegas, capitalizing on strong economic growth in the Southwest.
- Sustained Loan and Deposit Growth: EFSC reported an annualized loan growth of 6% in the third quarter of 2025 and anticipates maintaining mid-single-digit loan growth for the upcoming year, with projections of 5-7% in the second half of 2025. This loan growth is supported by exceptional deposit growth, which increased by $240 million net of brokered CDs in Q3 2025, providing ample liquidity for future lending activities.
- Optimized Net Interest Margin (NIM): The company has demonstrated a consistent ability to expand its net interest income, with NIM improving to 4.23% in Q3 2025. Management expects to maintain the net interest margin near 4.20% in 2026, indicating disciplined pricing of loans and deposits which contributes to stable and growing net interest income.
- Growth in Specialized Lending (SBA Loans): Enterprise Financial Services anticipates an increase in Small Business Administration (SBA) loan production, particularly with expected future interest rate cuts. This focus on a specialized and growing loan product segment offers a targeted avenue for revenue expansion.
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Share Repurchases
- Enterprise Financial Services Corp authorized a new share repurchase program on May 6, 2022, allowing for the buyback of up to 2,000,000 shares of common stock, which represented approximately 5% of its outstanding shares at that time.
- Since January 2021, the company has returned over $93 million to common shareholders through share repurchases.
- As of October 31, 2025, under the program announced in May 2022, EFSC had completed the repurchase of 818,517 shares for $40.03 million. Additionally, in the first quarter of 2025, EFSC repurchased 192,000 shares for approximately $11 million, with about 1.2 million shares remaining under the repurchase plan.
Share Issuance
- In November 2020, Enterprise Financial Services Corp completed an all-stock merger with Seacoast Commerce Banc Holdings, where Seacoast shareholders received 0.5061 shares of EFSC stock for each of their shares.
- EFSC acquired First Choice Bancorp in an all-stock merger valued at approximately $397.7 million, with EFSC shareholders holding 80% and First Choice shareholders owning 20% of the combined entity.
- The company offered 2,800,000 depositary shares, each representing a 1/40th ownership interest in its 5.00% fixed rate non-cumulative perpetual preferred stock, Series A, with a liquidation preference of $25.00 per depositary share.
Outbound Investments
- In November 2020, Enterprise Financial Services Corp completed its merger with Seacoast Commerce Banc Holdings, adding approximately $1.3 billion in assets, $1.2 billion in loans, and $1.0 billion in deposits to Enterprise.
- Enterprise Financial Services Corp announced the acquisition of First Choice Bancorp in an all-stock merger valued at approximately $397.7 million, which was expected to create a combined entity with approximately $12.7 billion in assets.
- On October 14, 2025, Enterprise Bank & Trust, a subsidiary of EFSC, completed the acquisition of twelve branches from First Interstate Bank, which added approximately $300 million in loans and $645 million in deposits.
Latest Trefis Analyses
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Trade Ideas
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| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
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Peer Comparisons for Enterprise Financial Services
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 66.81 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.4% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 9.4% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
| Market Price | $55.46 | |
| Market Cap ($ Bil) | 2.1 | |
| First Trading Date | 07/15/2003 | |
| Distance from 52W High | -9.1% | |
| 50 Days | 200 Days | |
| DMA Price | $54.27 | $54.58 |
| DMA Trend | indeterminate | down |
| Distance from DMA | 2.2% | 1.6% |
| 3M | 1YR | |
| Volatility | 26.2% | 27.1% |
| Downside Capture | 47.00 | 89.38 |
| Upside Capture | 11.65 | 76.04 |
| Correlation (SPY) | 35.9% | 55.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.57 | 0.79 | 0.78 | 1.05 | 0.80 | 0.91 |
| Up Beta | 1.03 | 1.82 | 1.72 | 1.90 | 0.57 | 0.86 |
| Down Beta | 0.43 | 1.10 | 0.88 | 0.97 | 0.96 | 0.98 |
| Up Capture | 88% | 14% | 10% | 66% | 70% | 59% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 10 | 20 | 26 | 59 | 119 | 366 |
| Down Capture | 24% | 59% | 81% | 92% | 99% | 99% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 9 | 21 | 36 | 66 | 129 | 380 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of EFSC With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| EFSC | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 0.2% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 26.9% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | -0.02 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 65.1% | 55.3% | -7.3% | 14.3% | 49.6% | 21.7% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Comparison of EFSC With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| EFSC | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 11.0% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 29.6% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.39 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 66.8% | 47.0% | -2.8% | 10.2% | 45.1% | 19.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of EFSC With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| EFSC | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 8.7% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 33.0% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.34 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 72.7% | 55.1% | -8.3% | 19.4% | 50.6% | 13.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/27/2025 | -1.8% | -4.6% | 0.8% |
| 7/28/2025 | 0.4% | -3.8% | 8.3% |
| 4/28/2025 | -0.6% | 1.9% | 2.2% |
| 1/27/2025 | 4.3% | 2.3% | 0.7% |
| 10/21/2024 | 2.8% | 3.5% | 14.1% |
| 7/22/2024 | 12.4% | 10.6% | 4.3% |
| 4/22/2024 | -1.3% | -3.9% | 0.7% |
| 1/22/2024 | -3.8% | -0.9% | -7.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 13 | 16 |
| # Negative | 13 | 11 | 8 |
| Median Positive | 2.8% | 3.9% | 7.6% |
| Median Negative | -1.8% | -3.8% | -4.2% |
| Max Positive | 12.4% | 11.9% | 19.7% |
| Max Negative | -5.9% | -7.3% | -10.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 10312025 | 10-Q 9/30/2025 |
| 6302025 | 8012025 | 10-Q 6/30/2025 |
| 3312025 | 5022025 | 10-Q 3/31/2025 |
| 12312024 | 2282025 | 10-K 12/31/2024 |
| 9302024 | 11012024 | 10-Q 9/30/2024 |
| 6302024 | 7262024 | 10-Q 6/30/2024 |
| 3312024 | 4262024 | 10-Q 3/31/2024 |
| 12312023 | 2262024 | 10-K 12/31/2023 |
| 9302023 | 10272023 | 10-Q 9/30/2023 |
| 6302023 | 8042023 | 10-Q 6/30/2023 |
| 3312023 | 4282023 | 10-Q 3/31/2023 |
| 12312022 | 2242023 | 10-K 12/31/2022 |
| 9302022 | 10282022 | 10-Q 9/30/2022 |
| 6302022 | 7292022 | 10-Q 6/30/2022 |
| 3312022 | 4292022 | 10-Q 3/31/2022 |
| 12312021 | 2252022 | 10-K 12/31/2021 |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | Finn Michael E | 8062025 | Buy | 54.11 | 1,500 | 81,165 | 162,330 | Form | |
| 1 | LALLY JAMES BRIAN | CEO | 6272025 | Sell | 55.16 | 1,828 | 100,832 | 5,564,817 | Form |
| 2 | LALLY JAMES BRIAN | CEO | 6262025 | Sell | 55.04 | 1,655 | 91,091 | 5,653,324 | Form |
| 3 | Finn Michael E | 6092025 | Buy | 52.25 | 8 | 418 | 418 | Form | |
| 4 | LALLY JAMES BRIAN | CEO | 5162025 | Sell | 55.01 | 400 | 22,004 | 5,741,284 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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