CATALYSTYahoo • 2d ago
Enterprise Financial: 3 Key Takeaways for Long-Term InvestorsExiting volatile fee lines and resolving problem assets set up a path to higher profitability in 2027.
Why EFSC Stock advanced +0.08% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $2.26B
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Is EFSC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does EFSC compare to NWBI and WAFD in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for EFSC?
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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.
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INTERACTIVE SCENARIO DECK:
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
58
Q2 (-2Q)Grade C$59.84+2.5% Next Q
61
Q3 (-1Q)Grade C+$61.35+1.8% Next Q
63
CurrentGrade C+$62.48+1.4% Hist 90D α
66
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why EFSC Stock advanced +0.08% Today — RQD Quant Desk Flash
Enterprise Financial Services Corporation (EFSC) advanced +0.08% to $62.48, trading at 64% of its 52-week range ($51.18 – $68.73). Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 64% of its 52-week range ($51.18 – $68.73) with RSI-14 at 55.8 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.1% around $62.48 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $181.5M annual free cash flow.
Live EFSC Headlines & Catalysts
CATALYSTSeekingAlpha • 4d ago
Dividend Announcements: October 17-23, 2026 (Part 1 Of 2)See 25 dividend stocks with recent payout hikes, including top picks, fair value upside, yield, and risk flags.
MARKET WIRESeekingAlpha • 7d ago
Enterprise Financial Services Corp 2026 Q3 - Results - Earnings Call PresentationCATALYSTYahoo • 9d ago
EFSC Q3 deep dive: loan and deposit growth offset by higher credit costsRegional banking company Enterprise Financial Services (NASDAQ:EFSC) met Wall Street’s revenue expectations in Q3 2026, with sales up 8.3% year on year to $192.5 million. Its non-GAAP profit of $1.17 per share was 15.5%
MARKET WIREYahoo • 9d ago
5 insightful analyst questions from Enterprise Financial Services’s Q3 earnings callEnterprise Financial Services delivered third-quarter results that were broadly in line with Wall Street’s revenue expectations, but missed on non-GAAP profit due to elevated credit costs. Management attributed the quart
CATALYSTYahoo • 9d ago
Are Enterprise Financial Services (EFSC) Dividends Sending The Right Signal As Charge Offs Rise?Enterprise Financial Services Corp (NasdaqGS: EFSC) reported higher net charge-offs in its latest third quarter update. The banking group also announced a new dividend for common shareholders for the period. A separate d
CATALYSTYahoo • 10d ago
Enterprise Financial (EFSC) Q3 2026 Earnings Call TranscriptNet income rose to $42.4 million as loan growth offset credit headwinds.
CATALYSTYahoo • 10d ago
What Enterprise Financial Services (EFSC) Said on Its Q3 Earnings CallEnterprise Financial Services (NASDAQ:EFSC) reported third-quarter net income of $42 million, or $1.14 per diluted share, as strong loan and deposit growth and stable net interest margin were offset by elevated credit co
MARKET WIREYahoo • 10d ago
Enterprise Financial Services Corp Q3 2026 Earnings Call SummaryMoby summary of Enterprise Financial Services Corp's Q3 2026 earnings call
MARKET WIREBenzinga • 10d ago
Enterprise Finl Servs Q3 2026 Earnings Call TranscriptEnterprise Finl Servs (NASDAQ:EFSC) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
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)
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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
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 0001025835In 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 ENABLEDIs 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 × FREDWhy is EFSC stock moving today?
Why EFSC Stock advanced +0.08% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.