Stock fact sheet · data as of
Enterprise Financial Services Group, Inc. (EFSG): fair value, margin of safety and Wheel Score
Ticker symbol EFSG · Financial Services · Banks - Regional · United States · Blend
Is EFSG undervalued?
EFSG closed at 29.70 on 5 Nov 2026, 21% below the GLS average fair value of 37.64 from 9 models (6 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
There is a wide gap between DDM (8.39) and Graham Growth (59.08). 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 EFSG, so the nightly engine files it under Blend (value score 72, growth score 68, out of 100).
Nine valuation models for EFSG
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 | 54.75 | +84% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 52.09 | +75% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 59.08 | +99% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.64 | -47% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 26.53 | -11% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 51.92 | +75% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 32.28 | +9% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.39 | -72% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 38.09 | +28% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -260.96 | -979% | 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 Group, Inc. 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 4.6/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 3.5%, ROE 8.5%, ROA 0.7% - with debt at 1.43 times equity and negative free cash flow.
The dividend yield is 1.92% at a payout ratio of 0%; 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 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 3.5% |
|---|---|---|---|
| GLS Moat | 4.6 / 10 | ROE | 8.5% |
| Debt / equity | 1.43 | ROA | 0.7% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 28: No options
No options are listed on Enterprise Financial Services Group, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 28, 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 0k shares a day on a market cap of $36M, with a beta of 0.16 - a low beta, so day-to-day moves are smaller than the market's; 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 | Fails | market cap $36M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Good | 21% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.6/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.16, $36M 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
No upcoming earnings date is recorded for EFSG in the nightly calendar.
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 Group, Inc. 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 |
|---|---|---|---|---|---|
| FBPA The Farmers Bank of Appomattox | 33.00 | 43.42 | +24% | 30No options | $36M |
| HRBK Harbor Bankshares Corporation | 28.95 | 29.03 | +0% | 19No options | $35M |
| FPBC First Pacific Bancorp | 8.30 | 15.34 | +46% | 28No options | $36M |
| FMFP First Community Financial Corporation | 12.93 | 10.30 | -26% | 15No options | $37M |
| BKUT Bank of Utica | 685.00 | 3,170.95 | +78% | 30No options | $34M |
| IBWC IBW Financial Corporation | 52.80 | 25.36 | -108% | 16No options | $34M |
| CNBZ CNB Corporation | 27.75 | 59.73 | +54% | 32No options | $34M |
| EXCH Exchange Bankshares, Inc. | 64.30 | 90.79 | +29% | 33No options | $38M |
| AMFC AMB Financial Corp. | 42.00 | 43.88 | +4% | 20No options | $38M |
| PFBN Pacific Alliance Bank | 11.87 | 8.19 | -45% | 17No options | $38M |
| RBNK RiverBank Holding Company | 34.19 | 91.78 | +63% | 31No options | $39M |
| PPAL Peoples Trust Company of St. Albans | 60.10 | 201.81 | +70% | 31No options | $33M |
⚖ Compare EFSG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EFSG
Is EFSG undervalued right now?
By the GLS models, moderately: at 29.70 the stock trades 21% below the average fair value of 37.64 (data as of 5 Nov 2026).
What is the Wheel Score of EFSG and what does it mean?
EFSG 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 EFSG?
37.64 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 Group, Inc. report earnings next?
No upcoming earnings date is recorded for EFSG in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does EFSG have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EFSG, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.