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Enterprise Financial Services Corporation (EFSC) — RQD Stock Rating Cockpit

$62.48 +0.08% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $62.37

Enterprise Financial Services Corporation (EFSC) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $2.26B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $62.37 (-0.18%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 4.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EFSC)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY EFSC SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 64% of 52W Range • RSI-14 at 55.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$58.59+2.1% Next Q

Q2 (-2Q)

Grade C$59.84+2.5% Next Q

Q3 (-1Q)

Grade C+$61.35+1.8% Next Q

Current

Grade C+$62.48+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EFSC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, EFSC faces multiple-compression risk if 11.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($61.51) or 200D SMA ($60.63) invalidates the momentum regime and cuts Target Base ($64.73) toward Bear Floor ($50.49).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EFSC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EFSC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

55.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE64% OF RANGE

L: $51$62.48H: $69

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on EFSC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

9.9% ROIC with 42.0% gross margin and 8.03% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

26/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like EFSC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (EFSC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

EFSC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.06%📐 HORIZONTAL RANGE

2026-10-30O $62.87H $62.93L $61.52C $62.48VOL 217.2K

RES: $69.02SUP: $56.85SMA50: $61.51SMA200: $60.63

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EFSC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EFSC Butterfly Map → + Track EFSC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.1%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on EFSC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EFSC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EFSC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EFSC)

Financials Rank #280 of 1096 ⚔️ NWBI vs EFSC Full Matrix →

1. Head-to-Head Financials Peer Comparison (EFSC vs. NWBI, WAFD, OFG, MBIN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Enterprise Financial Services Corporation (EFSC) ranks #280 by composite RQD confidence (66/100, grade C+) and #411 by equity capitalization ($2.26B). Within this direct 5-issuer industry benchmark cohort, WAFD leads on earnings valuation at 9.7x trailing P/E, while OFG leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. WAFD currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with EFSC at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EFSC ACTIVE Enterprise Financial Services Corporation	C+	66/100	11.2x	—	9.9%	+0.08%	$2.26B	Benchmark Subject
NWBI Northwest Bancshares Inc.	C+	66/100	17.8x	—	6.7%	+0.79%	$2.25B	/nwbi-vs-efsc →
WAFD WaFd Inc.	B-	70/100	9.7x	—	7.5%	+1.16%	$2.19B	/wafd-vs-efsc →
OFG OFG Bancorp	C	63/100	10.5x	—	14.8%	+0.26%	$2.15B	/ofg-vs-efsc →
MBIN Merchants Bancorp	D+	52/100	10.9x	—	9.6%	+5.84%	$2.39B	/mbin-vs-efsc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001025835

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Enterprise Financial Services Corporation (EFSC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $201.4M, operating cash flow of $193.5M, and free cash flow of $181.5M (-24.3% YoY). On the balance sheet, EFSC closed FY2025 with $17.30B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$201.4M	$193.5M	$181.5M	$17.30B	—
FY2024 (FY)	2024-12-31	$0	$185.3M	$247.4M	$239.9M	$15.60B	—
FY2023 (FY)	2023-12-31	$0	$194.1M	$268.2M	$268.2M	—	—

3. EFSC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EFSC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Enterprise Financial Services Corporation (NASDAQ: EFSC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $62.48 (+0.08% 1D, market cap $2.26B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, EFSC ranks #280 in composite RQD confidence.

How does EFSC compare to NWBI and WAFD in the Financials sector?

Within the Financials sector (Major Banks), EFSC carries a Roarable C+ (66/100 RQD), trailing P/E of 11.2x, gross margin of —, and ROIC of 9.9%. By comparison, NWBI (Northwest Bancshares Inc.) holds a C+ grade (66/100 RQD, P/E 17.8x, ROIC 6.7%, cap $2.25B) and WAFD (WaFd Inc.) posts a B- grade (70/100 RQD, P/E 9.7x, ROIC 7.5%, cap $2.19B). Among the 5-stock peer group, WAFD leads on earnings multiple (9.7x) while OFG leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EFSC?

Per EFSC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001025835), Enterprise Financial Services Corporation generated $0 in revenue, $201.4M in net income, and $181.5M in free cash flow against $17.30B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EFSC trading relative to its 50-day, 200-day, and 52-week technical levels?

EFSC last traded at $62.48 (+0.08% on volume of 259,480 shares), positioning the stock +1.58% above its 50-day simple moving average ($61.51) and +3.05% above its 200-day simple moving average ($60.63). Across its 52-week range of $51.18 to $68.73, EFSC sits at the 64.4% percentile with a 14-day RSI of 55.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($59.92 to $65.04).

EFSC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell EFSC stock right now?

Enterprise Financial Services Corporation (EFSC) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.

What is EFSC's 12-month price target and RQD AI Jury consensus?

EFSC's 12-month base price target is $64.73 (range $50.49 to $76.38), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: EFSC RQD Cockpit EFSC 12M Forecast EFSC Earnings & Move EFSC Dividends & DRIP EFSC Insiders & 13F EFSC Whale Options EFSC Profit Sankey EFSC News & Why