EFSC PEER ANALYSIS

Enterprise Financial Services — metric-by-metric comparison with peers and the industry median

EFSCEnterprise Financial Services

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

EFSCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	EFSC	BFL	KLNMA	BOQ	EQB	BEN	Ind. Median
P/E	12.15	3.26●	10.20	40.81	25.58	—	12.96
P/B	1.21	0.74	2.79	0.69●	1.53	1.00	1.29
EV/EBITDA	8.70	-1.43●	7.18	67.01	54.45	—	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	EFSC	BFL	KLNMA	BOQ	EQB	BEN	Ind. Median
Current Ratio	—	33.68●	—	0.05	0.09	0.03	0.31
Debt/Equity	20.4%	9.1%	0.0%●	258.4%	496.5%	142.6%	38.0%
NetDebt/EBITDA	0.52	-3.30●	-0.00	49.89	40.36	—	-0.58

Profitability
Metric	EFSC	BFL	KLNMA	BOQ	EQB	BEN	Ind. Median
Net Margin	21.0%	30.2%	58.1%●	2.0%	6.6%	—	20.6%
ROE	10.3%	24.2%	34.1%●	1.6%	6.1%	—	10.9%
ROA	1.2%	2.9%	5.4%●	0.1%	0.4%	—	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	EFSC	BFL	KLNMA	BOQ	EQB	BEN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	3.1%	—	42.3%●	-67.9%	-49.0%	—	19.4%
Div. Yield	1.9%	22.5%●	—	6.5%	1.6%	6.1%	2.5%
Payout	25.1%	68.7%	—	256.1%	43.2%	—	31.4%

Valuation
Metric	EFSC	NIC	BLX	SYBT	BANR	NBTB	Ind. Median
P/E	12.15	18.98	10.85●	16.01	11.30	14.30	12.96
P/B	1.21	1.12●	1.47	2.08	1.18	1.37	1.29
EV/EBITDA	8.70	4.79●	19.52	10.97	8.98	10.04	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	EFSC	NIC	BLX	SYBT	BANR	NBTB	Ind. Median
Current Ratio	—	0.15	0.27	0.08	2.11●	1.29	0.31
Debt/Equity	20.4%	8.0%●	255.0%	38.2%	11.6%	8.4%	38.0%
NetDebt/EBITDA	0.52	-9.49●	8.84	-0.97	0.19	0.04	-0.58

Profitability
Metric	EFSC	NIC	BLX	SYBT	BANR	NBTB	Ind. Median
Net Margin	21.0%	25.4%	38.7%●	25.1%	24.8%	19.7%	20.6%
ROE	10.3%	7.7%	15.0%●	13.8%	10.8%	10.6%	10.9%
ROA	1.2%	1.1%	1.8%●	1.6%	1.3%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	EFSC	NIC	BLX	SYBT	BANR	NBTB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	3.1%	3.4%	12.2%	17.7%	16.1%	27.9%●	19.4%
Div. Yield	1.9%	0.8%	4.4%●	1.6%	2.9%	2.9%	2.5%
Payout	25.1%	15.9%	44.0%	26.1%	33.2%	41.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.