COMP <GO>

WAFD vs EFSC // EV/EBITDA & P/E VALUATION

WaFd Inc. (NASDAQ) VS. Enterprise Financial Services Corporation (NASDAQ) • 15-METRIC TALLY: WAFD 4 — EFSC 3

■ METRIC PARITY

LAST: $29.66 (+1.16%) • MKT CAP: $2.19B

valuation

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LAST: $62.48 (+0.08%) • MKT CAP: $2.26B

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WAFD VS. EFSC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	WAFD	EFSC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	7.50%	9.90%	-2.40	EFSC	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	9.49%	8.03%	+1.46	WAFD	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	68.00%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	7.80%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	3.86%	1.99%	+1.87	WAFD	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	6/9	4/9	+2.00	WAFD	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	41.4	55.8	-14.41	EFSC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	9.0x	10.4x	-1.40	WAFD	/forward-pe <GO>
Enterprise Scale & Market Cap	$2.19B	$2.26B	-$66.6M	EFSC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	WAFD REV	EFSC REV	WAFD GROSS %	EFSC GROSS %	WAFD FCF	EFSC FCF
FY 2025	$29.6M	$0	—	—	$208.2M	$181.5M
FY 2024	$27.5M	$0	—	—	$414.6M	$239.9M
FY 2023	$26.1M	$0	—	—	$214.0M	$268.2M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

WAFD // BETA —

EFSC // BETA —