Enterprise Financial Services (EFSC) - Net Assets
Based on the latest financial reports, Enterprise Financial Services (EFSC) has net assets worth $2.04 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($17.30 Billion) and total liabilities ($15.26 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Enterprise Financial Services (EFSC) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.04 Billion |
| % of Total Assets | 11.79% |
| Annual Growth Rate | 18.53% |
| 5-Year Change | -84.29% |
| 10-Year Change | 426.84% |
| Growth Volatility | 183.53 |
Enterprise Financial Services - Net Assets Trend (1996–2025)
This chart illustrates how Enterprise Financial Services's net assets have evolved over time, based on quarterly financial data. Also explore Enterprise Financial Services assets under control for the complete picture of this company's asset base.
Annual Net Assets for Enterprise Financial Services (1996–2025)
The table below shows the annual net assets of Enterprise Financial Services from 1996 to 2025. For live valuation and market cap data, see EFSC market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.04 Billion | +11.81% |
| 2024-12-31 | $1.82 Billion | +6.29% |
| 2023-12-31 | $1.72 Billion | +12.73% |
| 2022-12-31 | $1.52 Billion | -88.27% |
| 2021-12-31 | $12.98 Billion | +41.12% |
| 2020-12-31 | $9.20 Billion | +37.17% |
| 2019-12-31 | $6.70 Billion | +1010.45% |
| 2018-12-31 | $603.80 Million | +10.07% |
| 2017-12-31 | $548.57 Million | +41.71% |
| 2016-12-31 | $387.10 Million | +10.34% |
| 2015-12-31 | $350.83 Million | +10.94% |
| 2014-12-31 | $316.24 Million | +13.06% |
| 2013-12-31 | $279.70 Million | +18.65% |
| 2012-12-31 | $235.75 Million | -1.59% |
| 2011-12-31 | $239.56 Million | +30.66% |
| 2010-12-31 | $183.35 Million | +11.86% |
| 2009-12-31 | $163.91 Million | -23.61% |
| 2008-12-31 | $214.57 Million | +23.92% |
| 2007-12-31 | $173.15 Million | +30.19% |
| 2006-12-31 | $132.99 Million | +43.10% |
| 2005-12-31 | $92.94 Million | +27.79% |
| 2004-12-31 | $72.73 Million | +11.22% |
| 2003-12-31 | $65.39 Million | -11.41% |
| 2002-12-31 | $73.81 Million | +17.35% |
| 2001-12-31 | $62.90 Million | -3.77% |
| 2000-12-31 | $65.36 Million | +38.93% |
| 1999-12-31 | $47.04 Million | +60.89% |
| 1998-12-31 | $29.24 Million | +12.17% |
| 1997-12-31 | $26.07 Million | +76.63% |
| 1996-12-31 | $14.76 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Enterprise Financial Services's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 19766.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.02 Billion | 50.06% |
| Common Stock | $370.00K | 0.02% |
| Other Comprehensive Income | $-54.59 Million | -2.68% |
| Other Components | $1.07 Billion | 52.60% |
| Total Equity | $2.04 Billion | 100.00% |
Enterprise Financial Services Competitors by Market Cap
The table below lists competitors of Enterprise Financial Services ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Jinke Property Group Co Ltd
SHE:000656
|
$2.18 Billion |
|
Turpaz Industries Ltd
TA:TRPZ
|
$2.18 Billion |
|
Ashtrom Group Ltd
TA:ASHG
|
$2.18 Billion |
|
Lianhe Chemical Technology Co Ltd
SHE:002250
|
$2.18 Billion |
|
ZIP Co Ltd
AU:ZIP
|
$2.18 Billion |
|
Zhongrun Resources Investment
SHE:000506
|
$2.18 Billion |
|
Dorma Kaba Holding AG
SW:DOKA
|
$2.17 Billion |
|
Zhewen Interactive Group Co Ltd
SHG:600986
|
$2.17 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Enterprise Financial Services's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,824,002,000 to 2,039,386,000, a change of 215,384,000 (11.8%).
- Net income of 201,374,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 62,131,000.
- Other factors decreased equity by 48,121,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $201.37 Million | +9.87% |
| Other Comprehensive Income | $62.13 Million | +3.05% |
| Other Changes | $-48.12 Million | -2.36% |
| Total Change | $- | 11.81% |
Book Value vs Market Value Analysis
This analysis compares Enterprise Financial Services's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.08x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.91x to 1.08x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $8.52 | $58.89 | x |
| 1997-12-31 | $11.72 | $58.89 | x |
| 1998-12-31 | $11.63 | $58.89 | x |
| 1999-12-31 | $4.90 | $58.89 | x |
| 2000-12-31 | $5.52 | $58.89 | x |
| 2001-12-31 | $5.73 | $58.89 | x |
| 2002-12-31 | $6.12 | $58.89 | x |
| 2003-12-31 | $6.62 | $58.89 | x |
| 2004-12-31 | $7.23 | $58.89 | x |
| 2005-12-31 | $8.62 | $58.89 | x |
| 2006-12-31 | $11.68 | $58.89 | x |
| 2007-12-31 | $13.78 | $58.89 | x |
| 2008-12-31 | $17.04 | $58.89 | x |
| 2009-12-31 | $12.77 | $58.89 | x |
| 2010-12-31 | $12.43 | $58.89 | x |
| 2011-12-31 | $13.20 | $58.89 | x |
| 2012-12-31 | $12.87 | $58.89 | x |
| 2013-12-31 | $14.62 | $58.89 | x |
| 2014-12-31 | $15.71 | $58.89 | x |
| 2015-12-31 | $17.24 | $58.89 | x |
| 2016-12-31 | $19.10 | $58.89 | x |
| 2017-12-31 | $23.56 | $58.89 | x |
| 2018-12-31 | $25.92 | $58.89 | x |
| 2019-12-31 | $33.15 | $58.89 | x |
| 2020-12-31 | $39.98 | $58.89 | x |
| 2021-12-31 | $44.33 | $58.89 | x |
| 2022-12-31 | $40.59 | $58.89 | x |
| 2023-12-31 | $45.75 | $58.89 | x |
| 2024-12-31 | $48.55 | $58.89 | x |
| 2025-12-31 | $54.69 | $58.89 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Enterprise Financial Services utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.87%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.07%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.48x
- Recent ROE (9.87%) is above the historical average (8.11%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 11.53% | 23.79% | 0.04x | 12.51x | $226.16K |
| 1997 | 8.53% | 22.60% | 0.03x | 11.18x | $-384.14K |
| 1998 | 10.30% | 20.54% | 0.04x | 12.84x | $86.76K |
| 1999 | 7.88% | 15.28% | 0.04x | 13.08x | $-998.07K |
| 2000 | 9.73% | 8.77% | 0.08x | 13.29x | $-146.93K |
| 2001 | -4.88% | -4.94% | 0.06x | 15.32x | $-7.72 Million |
| 2002 | 8.50% | 9.72% | 0.06x | 14.91x | $-879.51K |
| 2003 | 10.59% | 12.98% | 0.06x | 13.88x | $386.23K |
| 2004 | 11.30% | 14.67% | 0.05x | 14.57x | $942.43K |
| 2005 | 12.20% | 14.66% | 0.06x | 13.90x | $2.03 Million |
| 2006 | 11.63% | 13.90% | 0.07x | 11.55x | $2.17 Million |
| 2007 | 10.15% | 12.36% | 0.07x | 11.55x | $263.10K |
| 2008 | 0.86% | 1.28% | 0.06x | 11.62x | $-19.61 Million |
| 2009 | -29.26% | -36.61% | 0.06x | 14.43x | $-64.35 Million |
| 2010 | 3.04% | 4.14% | 0.05x | 15.30x | $-12.76 Million |
| 2011 | 10.61% | 15.76% | 0.05x | 14.10x | $1.47 Million |
| 2012 | 12.00% | 16.21% | 0.05x | 14.11x | $4.72 Million |
| 2013 | 11.84% | 20.42% | 0.05x | 11.33x | $5.13 Million |
| 2014 | 8.59% | 18.31% | 0.05x | 10.36x | $-4.45 Million |
| 2015 | 10.96% | 25.06% | 0.04x | 10.29x | $3.37 Million |
| 2016 | 12.62% | 27.39% | 0.04x | 10.54x | $10.13 Million |
| 2017 | 8.78% | 20.56% | 0.04x | 9.64x | $-6.67 Million |
| 2018 | 14.78% | 32.64% | 0.05x | 9.35x | $28.84 Million |
| 2019 | 10.69% | 26.85% | 0.05x | 8.46x | $6.02 Million |
| 2020 | 6.89% | 21.42% | 0.04x | 9.04x | $-33.51 Million |
| 2021 | 8.70% | 31.56% | 0.03x | 8.85x | $-19.86 Million |
| 2022 | 13.34% | 38.05% | 0.04x | 8.58x | $50.82 Million |
| 2023 | 11.31% | 282.37% | 0.00x | 8.46x | $22.45 Million |
| 2024 | 10.16% | 22.75% | 0.05x | 8.55x | $2.87 Million |
| 2025 | 9.87% | 22.07% | 0.05x | 8.48x | $-2.56 Million |
Industry Comparison
This section compares Enterprise Financial Services's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Enterprise Financial Services (EFSC) | $2.04 Billion | 11.53% | 7.48x | $2.18 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Enterprise Financial Services
Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It provides checking, savings, money market accounts, and certificates of deposit. The company also provides commercial and indus… Read more