Enterprise Financial Services Corp (EFSC) Fair Value 2026

EFSC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.7 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Enterprise Financial Services Corp (EFSC) trades at $63.50, versus a $50.57 median fair value across its 5 active models — 20.4% below the current price. QOC: 8.7/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
EFSC
Price
$63.50
Quality Score
8.7/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.7/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Enterprise Financial Services Corp (EFSC) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Enterprise Financial Services Corp (EFSC) appears overvalued as of : the median of 5 independent fair value estimates is $50.57, 20.4% below the current price of $63.50. Estimates range from $42.66 to $90.60. EFSC scores 8.7/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. EFSC’s -20.4% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Enterprise Financial Services Corp Stock in 2026? →

What Fair Value Does Each Model Give EFSC?

5 Intrinsic Value Models vs. Current Price ($63.50)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Medium Conviction
 $50.57 -20.4%
Intrinsic · High Conviction
 $42.66 -32.8%
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What Is EFSC's Fair Value Range?

Spread across 5 independent models · $42.66 to $90.60

CirclFi's 5 active models place Enterprise Financial Services Corp (EFSC) between $42.66 and $90.60 per share, a spread of 95% of the median. The median of that range — $50.57 — is the fair value CirclFi publishes for EFSC, against a current price of $63.50.

Low · Markov DDMHigh · Regime Cross
$42.66median $50.57$90.60
Where the range comes from
Most bearish modelMarkov DDM$42.66
Most bullish modelRegime Cross-Sectional$90.60
Model agreement1 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on EFSC, not a CirclFi price target. How each model works →

What Is Enterprise Financial Services Corp (EFSC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Enterprise Financial Services Corp's intrinsic value is estimated at $50.57, suggesting the stock is overvalued at its current price of $63.50. With 4 out of 5 models flagging downside (-20.4% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at +42.7% (fair value: $90.60), while Markov DDM is the most conservative at -32.8% ($42.66). The spread between these extremes — +75.5% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About EFSC?

5 of 13 models are currently active for EFSC. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for EFSC is $50.57 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does EFSC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, EFSC ranks #20 by Quality of Company score. CirclFi's QOC score of 8.7/10 evaluates 32 fundamental signals. A score of 8.7 places EFSC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Enterprise Financial Services Corp competes in an environment where net interest margin (NIM) often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is EFSC a Value Trap?

CirclFi's Value Trap algorithm assigns EFSC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Enterprise Financial Services Corp. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Enterprise Financial Services Corp is rated at 8.7/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +75.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EFSC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EFSC's 5 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Enterprise Financial Services Corp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

NRIMNorthrim BanCorp, Inc.QOC 8.8CHCOCity Holding CompanyQOC 8.7HBANHuntington Bancshares IncorporatedQOC 8.8SSBSouthState Bank CorporationQOC 8.7IBOCInternational Bancshares CorporationQOC 8.8ONBOld National BancorpQOC 8.7MTBM&T Bank CorporationQOC 8.3FITBFifth Third BancorpQOC 7.9AUBNAuburn National Bancorporation, Inc.QOC 7.3ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: NRIM · CHCO · HBAN · SSB · IBOC · ONB · MTB · FITB · AUBN · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to EFSC?

7 companies across all industries closest to EFSC’s Quality of Company score of 8.7/10.

IOSPInnospec Inc.QOC 8.7DCIDonaldson Company, Inc.QOC 8.7MYRGMYR Group Inc.QOC 8.7MTCHMatch Group, Inc.QOC 8.7ALHAlliance Laundry Holdings Inc.QOC 8.7WMSAdvanced Drainage Systems, Inc.QOC 8.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: IOSP · DCI · MYRG · MTCH · ALH · WMS · NVDA

Where Does EFSC Sit in CirclFi's Banks - Regional Rankings?

EFSC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Enterprise Financial Services Corp’s Valuation?

What is Enterprise Financial Services Corp's intrinsic value in 2026?

CirclFi puts Enterprise Financial Services Corp (EFSC)'s intrinsic value at $50.57 — the median of 5 independent model estimates as of 2026-08-27, ranging from $42.66 to $90.60. The Quality of Company score is 8.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EFSC overvalued or undervalued right now?

At $63.50, 1 of 5 active models suggest EFSC may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $50.57, 20.4% below the current price of $63.50 — a consensus view that EFSC is overvalued. The assessment depends on which methodology best fits Enterprise Financial Services Corp's business model in Banks - Regional.

What does a Quality of Company score of 8.7 mean for EFSC?

Enterprise Financial Services Corp's QOC of 8.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on EFSC?

CirclFi analyzes EFSC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on EFSC?

Of the 5 models currently active on EFSC, Regime Cross-Sectional is the most bullish at $90.60 per share, and Markov DDM is the most bearish at $42.66. CirclFi's published fair value for EFSC is the median of that range, $50.57, not either extreme. The gap between the two ends equals 95% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is EFSC a value trap in 2026?

Enterprise Financial Services Corp's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Enterprise Financial Services Corp (EFSC) has a median fair value of $50.57 — 20.4% below the current price of $63.50 — as of 2026-08-27.” Source: circlfi.com/stock/EFSC/ · Methodology
Primary sources for this EFSC valuation
  • Financial statements: Enterprise Financial Services Corp 10-K and 10-Q filings on SEC EDGAR (CIK 0001025835) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for EFSC as of ; valuations recomputed .

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