Stock fact sheet · data as of
Enterprise Financial Services Corp (EFSC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is EFSC undervalued?
At 59.27 (close of 16 Oct 2026), EFSC trades 26% under the GLS average fair value of 80.50. 4 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between DDM (19.72) and 10 Cap (163.06). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files EFSC under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for EFSC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 52.60 | -11% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 81.13 | +37% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 131.92 | +123% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 45.26 | -24% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 41.45 | -30% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 163.06 | +175% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 131.32 | +122% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 19.72 | -67% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 58.03 | -2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -415.93 | -802% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 70.00 | +18% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Enterprise Financial Services Corp scores 9 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability EFSC scores 5.2/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 7.9%, ROE 9.9%, ROA 1.2% - with debt at 0.25 times equity and a free-cash-flow yield of 9.9%.
The dividend yield is 2.26% at a payout ratio of 27%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 10/10, insider activity 7/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 9 / 9 | ROIC | 7.9% |
|---|---|---|---|
| GLS Moat | 5.2 / 10 | ROE | 9.9% |
| Debt / equity | 0.25 | ROA | 1.2% |
| Free-cash-flow yield | 9.9% | Payout ratio | 27% |
| Institutions | 10 / 10 | Insiders · Congress | 7 · 5 / 10 |
Wheel Score 82: Prime
With a Wheel Score of 82, Enterprise Financial Services Corp sits in the Prime band - price, quality and premium all line up for the wheel strategy. The parts: Value 23/25, Health 20/20, Moat 8/15, Premium 20/20, Stability 11/20. A high score is a ranking, not a signal: it says nothing about timing, the earnings date or your position size.
Implied volatility is 39% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 2,567 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 194k shares a day on a market cap of $2.1B, with a beta of 0.83; the Stability part of the Wheel Score gives that 11 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 23 / 25 | 26% margin of safety | |
| Health | 20 / 20 | Piotroski 9/9 | |
| Moat | 8 / 15 | moat 5.2/10 | |
| Premium | 20 / 20 | implied volatility 39% | |
| Stability | 11 / 20 | 194k shares/day, $2.1B cap, beta 0.83 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Enterprise Financial Services Corp reports earnings on 21 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Enterprise Financial Services Corp by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WAFD WaFd, Inc. | 28.91 | 40.88 | +29% | 79Good | $2.1B |
| WAFDP WaFd, Inc. | 14.90 | 33.53 | +56% | 39No options | $2.1B |
| EFSCP Enterprise Financial Services Corp | 15.78 | 48.37 | +67% | 39No options | $2.1B |
| NWBI Northwest Bancshares, Inc. | 14.89 | 13.04 | -14% | 61Fair | $2.2B |
| HTH Hilltop Holdings Inc. | 36.77 | 25.00 | -47% | 50Fair | $2.1B |
| OFG OFG Bancorp | 52.13 | 66.55 | +22% | 76Good | $2.2B |
| MBIN Merchants Bancorp | 48.95 | 125.01 | +61% | 68Good | $2.2B |
| MBINM Merchants Bancorp | 24.92 | 94.16 | +74% | 39No options | $2.3B |
| FCF First Commonwealth Financial Corporation | 20.22 | 27.00 | +25% | 82Prime | $2.0B |
| MBINL Merchants Bancorp | 23.14 | 91.88 | +75% | 39No options | $2.3B |
| SRCE 1st Source Corporation | 84.33 | 103.75 | +19% | 75Good | $2.0B |
| MBINN Merchants Bancorp | 18.97 | 86.53 | +78% | 39No options | $2.3B |
⚖ Compare EFSC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EFSC
Is EFSC undervalued right now?
By the GLS models, moderately: at 59.27 the stock trades 26% below the average fair value of 80.50 (data as of 16 Oct 2026).
What is the Wheel Score of EFSC and what does it mean?
EFSC scores 82 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for EFSC?
80.50 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Enterprise Financial Services Corp report earnings next?
The next earnings report is due on 21 Oct 2026 (after the close), 5 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does EFSC have listed options, and how liquid are they?
Yes. The nightly snapshot found 128 listed contracts with 2,567 open interest across all expiries and implied volatility of 39% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.