EFSCENTERPRISE FINANCIAL SERVICES CORP
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear96% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear31% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $133M | $203M | $194M | $185M | $201M | 8.7% |
| Operating cash flow | $161M | $217M | $268M | $247M | $194M | 22% |
| Capex | $3M | $2M | $7M | $7M | $12M | 60% |
| Stock-based comp | $6M | $8M | $10M | $11M | $13M | 24% |
| Buybacks | $61M | $33M | $0 | $30M | $14M | 52% |
| Dividends | $26M | $34M | $37M | $40M | $45M | 14% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.