Stock fact sheet · data as of
Enterprise Financial Services Corp (EFSCP): fair value, margin of safety and Wheel Score
Ticker symbol EFSCP · Financial Services · Banks - Regional · United States · Depositary preferred shares · Blend
EFSCP is not Enterprise Financial Services Corp's common stock: it is a depositary share of its preferred stock - each one a fraction of a single preferred share. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share. The common stock trades as EFSC (common stock).
Is EFSCP undervalued?
At 16.34 (close of 5 Nov 2026), EFSCP trades 51% below the GLS average fair value of 33.30. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Enterprise Financial Services Corp the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between GLS Growth (12.62) and Graham Number (78.89). 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for EFSCP, so the nightly engine files it under Blend (value score 68, growth score 54, out of 100).
Nine valuation models for EFSCP
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 | 55.73 | +241% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 78.89 | +383% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 44.75 | +174% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 17.23 | +5% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 12.62 | -23% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 30.04 | +84% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 25.95 | +59% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 19.72 | +21% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 14.78 | -10% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -106.78 | -753% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Enterprise Financial Services Corp scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 7.5/10 puts EFSCP among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
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 1.7%.
The dividend yield is 2.10% at a payout ratio of 28%; 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 5/10, insider activity 7/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 7.9% |
|---|---|---|---|
| GLS Moat | 7.5 / 10 | ROE | 9.9% |
| Debt / equity | 0.25 | ROA | 1.2% |
| Free-cash-flow yield | 1.7% | Payout ratio | 28% |
| Institutions | 5 / 10 | Insiders · Congress | 7 · 5 / 10 |
Wheel Score 35: No options
No options are listed on Enterprise Financial Services Corp in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 35, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 9k shares a day on a market cap of $2.3B, with a beta of 0.81; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 51% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.5/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.81, $2.3B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Jan 2027, 81 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 30 Nov 2026 (0.3125 per share), so a covered call sold before then carries a small early-assignment risk around that date.
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 |
|---|---|---|---|---|---|
| NWBI Northwest Bancshares, Inc. | 15.84 | 15.06 | -5% | 37Weak | $2.3B |
| BBAR Banco BBVA Argentina S.A. | 11.18 | 99.28 | +89% | 79Good | $2.3B |
| EFSC Enterprise Financial Services Corp | 63.87 | 64.59 | +1% | 36Weak | $2.3B |
| WAFD WaFd, Inc. | 30.13 | 45.47 | +34% | 48Weak | $2.2B |
| MBINM Merchants Bancorp | 25.06 | 87.58 | +71% | 34No options | $2.4B |
| BUSE First Busey Corporation | 29.37 | 34.23 | +14% | 36Weak | $2.4B |
| NTB The Bank of N.T. Butterfield & Son Limited | 55.49 | 117.94 | +53% | 55Fair | $2.2B |
| OFG OFG Bancorp | 51.51 | 60.38 | +15% | 76Good | $2.2B |
| FCF First Commonwealth Financial Corporation | 21.51 | 25.39 | +15% | 44Weak | $2.2B |
| MBINN Merchants Bancorp | 18.80 | 81.74 | +77% | 34No options | $2.5B |
| MBINL Merchants Bancorp | 23.35 | 85.98 | +73% | 33No options | $2.5B |
| MBIN Merchants Bancorp | 53.43 | 114.03 | +53% | 52Fair | $2.5B |
⚖ Compare EFSCP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EFSCP
Is EFSCP the same as Enterprise Financial Services Corp stock?
No. EFSCP is not Enterprise Financial Services Corp's common stock: it is a depositary share of its preferred stock - each one a fraction of a single preferred share. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share. The common stock trades as EFSC (common stock).
Is EFSCP undervalued right now?
By the GLS models, yes: at 16.34 the stock is 51% below the average fair value of 33.30 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of EFSCP and what does it mean?
EFSCP has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for EFSCP?
33.30 per share as of 5 Nov 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 25 Jan 2027, 81 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does EFSCP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EFSCP, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.