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EFSC

Enterprise Financial ServicesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Loan and deposit growth lifted net interest income despite stable 4.30% NIM. Credit normalization could let stronger pre-provision earnings reach shareholders.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.1.
What can break
OREO and loan-workout costs, plus lower tax-credit income, pressured noninterest results. SEC earnings exhibit
Momentum
44
Value
60
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $65.00 · Bull $72.00 · Bear $52.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $69.57
Why
Momentum44 · Δ7d +1.5
Value60 · Δ7d -0.1
Sentiment57 · Δ7d -17.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • OREO and loan-workout costs, plus lower tax-credit income, pressured noninterest results. SEC earnings exhibit
  • • Q3 provision rose to $18.1 million from $14.2 million in Q2; nonperforming assets rose to $182.9 million from $160.4 million. [#SEC-8K-2026-10-21] SEC earnings exhibit
  • • The $1.17 adjusted EPS missed $1.38 consensus by $0.21; higher provisions, rising nonperforming assets and lower tangible capital could persist rather than prove temporary.

Catalyst clock

2026-10-30

Q3 earnings miss meets stronger core growth

Lead driver: Value · See fundamentals
Momentum
44
8% active weight
Current posture
7d trendSoftening
Δ7d
+1.5
Δ21d
-1.9
Value
60
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.5
Sentiment
57
45% active weight
Current posture
7d trendSoftening
Δ7d
-17.4
Δ21d
-25.9
Why this grade

Composite grade B. Momentum 44.0 / Value 60.0 / Sentiment 56.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
25%
Probability
Target price
$72.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$65.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$2.23B
Beta
0.85
Shares Out
35.78M
P/E (TTM)
10.7
P/S (TTM)
2.86
P/FCF (TTM)
14.12
Rev YoY
+1.4%
EPS YoY
-19.7%
Gross Margin
-
Op Margin
+26.9%
Net Debt
$300.47M
Current Ratio
0.05
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data