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EFSC

Enterprise Financial Services
Chart
$61.34
Latest Week 2026-06-05
Financial ServicesBanks - RegionalMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.93
OS Score
85.0%
Value
81.0%
Quality
67.0%
Momentum
7/9
F-Score
0.830
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.930
↗
Trending Value
✗
◆
Quality × Value
QV 0.830
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 11.4
◇
VC2 Cheapest
✗
📐
EBITDA/EV
12.0%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
Rev +17%
🔄
Shareholder Yield
2.2%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 16%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
85.0%ile
P/E
11.4×
P/S
2.4×
P/B
1.1×
E/P
0.0881
FCF Yield
0.091
EBITDA/EV
0.120
SH Yield
0.022
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
18.00000000
/100 — 1=cheapest
VC2 (Trending Value)
17.00000000
/100
VC3 (Buyback)
17.00000000
/100
P/E of 11.4x places this firmly in deep value territory. FCF yield of 9.1% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
81.0%ile
ROE
0.099
ROA
0.012
Net Margin
0.210
Op Margin
0.299
GPA
0.039
D/E
7.52
Current
33.80
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.170
Earn Growth
0.031
Stability
0.063
lower=better
Accruals
-0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 7.52 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
67.0%ile
6M Return
12.4%
12M Return
18.7%
12-1 Mom
15.7%
Risk-Adj
0.75
Vol 252d
21.1%
Vol 60d
44.5%
↑ Expanding
Max DD 12M
-14.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (45%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.93
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
61.1%
Sector Quality %ile
64.5%
P/E z-score
-0.13
P/B z-score
-0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
RM Regional Management Corp 98.0% 95.0% 90.0% 79.0%
PKBK Parke Bancorp Inc 98.0% 91.0% 86.0% 88.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (85th) and quality (81th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Growth at Reasonable Price
Revenue growing 17% with P/E of 11×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (45%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
70.9% avg (7 factors)
Quality
C
48.6% avg (8 factors)
Momentum
C
51.2% avg (4 factors)
Risk
A
81.5% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.930—1—
Value %ile0.850—1—
Quality %ile0.810—1—
Momentum %ile0.670—0—
F-Score7.000—1—
Confidence1.000—1—
Volatility0.211—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
11.35
Earnings Yield (E/P)
0.0881
Price / Sales
2.39
Price / Book
1.13
Price / Cash Flow
10.75
FCF Yield
9.1%
EBITDA / EV
12.0%
Sales Yield (1/P·S)
0.3924
Shareholder Yield
Div + net buyback / mktcap
2.2%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.9%
Return on Assets
1.2%
Net Margin
21.0%
Operating Margin
29.9%
Gross Profit / Assets
Novy-Marx GPA
3.9%
Debt / Equity
7.52
Current Ratio
33.80
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
MomentumPrice trend strength over different horizons
6M Return
12.4%
12M Return
18.7%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
15.7%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.75
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
17.0%
Earnings Growth (YoY)
3.1%
Earnings Stability (CV)
Lower = more stable
0.063
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
2.2%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
18
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
17
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
17
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity