ENTERPRISE FINANCIAL SERVICES CORP
In the published model solve dated 2026-Q2, anchored at $63.59, ENTERPRISE FINANCIAL SERVICES CORP (EFSC) is priced for 10.1% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 25, 2026 from SEC EDGAR filings.
• Cheap funding is the whole engine here: noninterest-bearing accounts made up 34% of a 14.5 billion dollar deposit base at June 30, 2026, which is how net interest margin reached 4.30% in the quarter [Source: Q2 2026 earnings release, July 22, 2026]. • Credit is the live problem, not valuation: two commercial loans pushed second-quarter provision expense to 14.2 million dollars from 3.5 million a year earlier, and nonperforming assets rose to 0.92% of total assets from 0.71% [Source: Q2 2026 ea
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252 institutional managers reported holding EFSC in 13F filings for the quarter ended 2026-03-31. Together they hold about 81% of the company; the top 10 hold 49%. 31 opened new positions that quarter. Held by BlackRock, Wellington Management, Vanguard Group, among others. On the short side, 884k shares were sold short as of the 2026-06-15 count, about 2% of shares outstanding (4.6 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
EFSC's share count grew 18% over the past five years even with $152.71M spent on repurchases. It pays a dividend, and has paid one every year in our records (16 and counting), raised 8 years straight; the current rate is $1.22 a share annually. Cash returned over the past three years: $115.51M in dividends and $71.03M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at EFSC over the trailing three years: 2025: 3 buys totaling $160k. 22 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
EFSC's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-05 | -4.4% | -8.4% |
| 2023-10-28 | -5.8% | +29.0% |
| 2024-02-27 | -4.7% | -4.6% |
| 2024-04-27 | -1.2% | +5.4% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
EFSC's latest 8-K filings: 2026-08-20 (items 5.02, 9.01); 2026-07-27 (items 7.01, 9.01); 2026-07-22 (items 2.02, 8.01, 9.01); 2026-06-17 (items 1.01, 2.03, 9.01); 2026-06-09 (items 8.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 25, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.