EFSC Stock Analysis: Buy, Sell, or Hold?
EFSC - Enterprise Financial Services Corporation
$57.35
0.60 (1.06%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Jan 26, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: EFSC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: EFSC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$76.03
Based on 5.3% avg growth
INTRINSIC VALUE TODAY
$47.21
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: EFSC is currently trading at $57.35, which is considered extended relative to its 30-day fair value range of $54.51 to $56.65. The stock's valuation (Forward PE: 9.6) is in line with its historical norms (10.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.3% over the next few years. This pessimistic expectation contrasts with the company's recent 13.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, EFSC is in a downtrend. The price is approaching resistance at $58.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: EFSC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $65.75 (+15.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, EFSC is in a downtrend. The price is approaching resistance at $58.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: EFSC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $65.75 (+15.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$54.51 -
$56.65
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.5%
Protect Your Profits
Holding EFSC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($65.75)
Fair Price Analysis
30-Day Fair Range
$54.51 -
$56.65
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$54.74
Resistance Level
$58.70
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
9.64
Wall Street Target
$65.75
(+15.9%)
Revenue Growth (YoY)
17.5%
Earnings Growth (YoY)
13.6%
Profit Margin
29.9%
Valuation Discount vs History
-1.3% cheaper
PE vs Historical
9.6 vs 10.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.3%
(market-implied from PE analysis)
1-Year Target
$56.01
(-1%)
2-Year Target
$55.28
(-3%)
3-Year Target
$54.57
(-4%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$56.61
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 6.5%)
$158.78
(+180%)
Base:
(SPY PE: 9.6, Growth: 6.5%)
$68.63
(+21%)
Bear:
(PE: 8.2, Growth: 6.5%)
$58.34
(+3%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.57 | Current EPS (TTM): $5.31
Bull Case
$68.43
(+19%)
Analyst growth 10.9%, PE expands to 11.6
Base Case
$62.21
(+9%)
Market implied 10.9%, PE stable at 10.6
Bear Case
$38.15
(-34%)
Severe decline -20.0%, PE contracts to 9.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.6 to 10.0
Stabilization Target:
$58.88
(+3.7%)
PE Expansion Potential:
+3.7%
Last updated: January 31, 2026 11:13 AM ET
Data refreshes hourly during market hours. Next update: 12:13 PM
Data refreshes hourly during market hours. Next update: 12:13 PM
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Technical Signals Check
Is EFSC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Professional options setups generated by AI based on today's EFSC price and gamma walls.
