Enterprise Financial Services Group, Inc. Financial Ratios — EFSG

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Return on Common Equity (%)	- -	13.16	12.64	19.62	25.45	14.93	11.71	15.23	13.72
Return on Assets (%)	- -	0.58	0.58	0.75	1.03	0.75	0.61	0.8	0.73
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.46	19.09	18.64	22.76	29.4	24.58	22.12	26.4	22.24
Profit Margin (%)	11.63	14.28	14.16	17.79	22.93	19.1	17.22	20.4	17.4
Net Income to Common Margin (%)	7.62	10.33	10.48	14.86	20.42	16.44	15.09	19.06	16.4
Effective Tax Rate (%)	36.98	25.21	24.03	21.86	22.02	22.27	22.17	22.73	21.78
Dvd Payout Ratio (%)	- -	- -	18.64	10.41	6.5	11.69	14.96	10.45	16.01
Sustainable Growth Rate (%)	- -	13.16	10.28	17.58	23.8	13.19	9.96	13.64	11.53

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Total Debt	53	50	75	131	64	54	71	63	58
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	53	50	75	131	64	54	71	63	58
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.02	3.36	3.42	3	4.27	4.4	4.73	5.02	5
Long-Term Debt/Equity (%)	237.04	181.04	262.5	427.31	184.8	152.82	198.25	164.12	142.51
Long-Term Debt/Capital (%)	80.06	77.41	82.8	88.14	75.12	71.11	76.26	71.77	68.64
Long-Term Debt/Total Assets (%)	19.48	17.55	24.23	31.08	16.88	13.05	17.14	14.19	11.59
Total Debt/Equity (%)	237.04	181.04	262.5	427.31	184.8	152.82	198.25	164.12	142.51
Total Debt/Capital (%)	80.06	77.41	82.8	88.14	75.12	71.11	76.26	71.77	68.64
Total Debt/Total Assets (%)	19.48	17.55	24.23	31.08	16.88	13.05	17.14	14.19	11.59
Net Debt to Equity	-108.01	-77.79	-110.6	-229.36	-195.62	-312.21	-194.36	-237.07	-302.44
Net Debt/Capital (%)	-57.42	-49.85	-53.57	-89.78	-388.28	320.88	-296.21	2,826.36	318.95
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	-1	-1	-3	-1	-1	-1	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.02	3.36	3.42	3	4.27	4.4	4.73	5.02	5
Long-Term Debt/Equity (%)	237.04	181.04	262.5	427.31	184.8	152.82	198.25	164.12	142.51
Long-Term Debt/Capital (%)	80.06	77.41	82.8	88.14	75.12	71.11	76.26	71.77	68.64
Long-Term Debt/Total Assets (%)	19.48	17.55	24.23	31.08	16.88	13.05	17.14	14.19	11.59
Total Debt/Equity (%)	237.04	181.04	262.5	427.31	184.8	152.82	198.25	164.12	142.51
Total Debt/Capital (%)	80.06	77.41	82.8	88.14	75.12	71.11	76.26	71.77	68.64
Total Debt/Total Assets (%)	19.48	17.55	24.23	31.08	16.88	13.05	17.14	14.19	11.59
CFO/Total Liabilities	0.67	0.92	1.41	1.22	1.42	0.66	1.29	0.97	0.55
CFO/CapEx	3.05	10.39	5.81	7.06	1.69	1.92	8.78	6.03	3.11
Altman's Z-Score	0.11	0.11	0.11	0.09	0.13	0.12	0.13	0.13	0.14

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Market Capitalization	12	10	11	11	15	15	18	18	24
- Cash & Cash Equivalents	24	22	32	71	67	111	69	92	124
+ Preferred Equity and Hybrid Capital	5	5	5	5	5	4	2	2	2
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	53	50	75	131	64	54	71	63	58
Enterprise Value	46	44	60	77	17	-38	21	-8	-40
Total Capital	67	65	91	149	85	77	93	88	85
Total Debt/Capital (%)	80.06	77.41	82.8	88.14	75.12	71.11	76.26	71.77	68.64
Total Debt / EV	1.16	1.14	1.26	1.71	3.84	-1.43	3.31	-8.2	-1.46
EV/Sales	4.11	3.87	4.91	5	0.92	- -	1.46	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	27.4	18.68	15.04	16.13	3.41	- -	4.39	- -	- -
EV/Free Cash Flow to Firm	20.64	17.04	12.83	14.13	2.14	- -	3.94	- -	- -
Diluted Market Cap	12	10	11	11	15	15	18	18	24
Diluted Enterprise Value	46	44	60	77	17	-38	21	-8	-40
EV per Share	52.03	43.93	52.84	67.85	14.62	- -	18.35	- -	- -
TTM Sales	11	11	12	15	18	16	15	17	20
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	2	4	5	5	3	5	4	3
TTM Free Cash Flow to Firm	2	3	5	5	8	4	5	5	3

Multiples (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Price/Free Cash Flow	5.36	4.05	2.42	2.04	1.98	3.93	3.23	3.88	7.19
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	46	44	60	77	17	-38	21	-8	-40
Low Price	6.5	10.27	9	5.1	8.5	12.9	12	13.23	15.3
EV/Sales	4.11	3.87	4.91	5	0.92	- -	1.46	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	13.99	8.89	8.83	4.86	4.18	5.81	7.9	5.61	7.38
Price/Earnings Average	9.41	10.83	8.63	4.31	3.33	6.71	7.18	5.41	6.45
Price/Earnings High	15.24	12.96	9.76	5.43	4.64	7.21	8.28	5.83	7.46
Price/Earnings Low	6.74	8.75	7.99	2.53	2.63	5.81	6.31	4.85	5.5
Price/Book Value	1.44	1.09	1.06	0.88	0.95	0.81	0.9	0.8	0.96
Price/Book Value Average	0.97	1.33	1.04	0.78	0.76	0.94	0.82	0.77	0.84
Price/Book Value High	1.57	1.59	1.17	0.98	1.06	1.01	0.94	0.83	0.97
Price/Book Value Low	0.69	1.07	0.96	0.46	0.6	0.81	0.72	0.69	0.71
Price/Tangible Book Value	0.68	0.46	0.48	0.43	0.52	0.47	0.53	0.5	0.61
Price/Tangible Book Value Average	0.46	0.56	0.46	0.38	0.41	0.54	0.48	0.48	0.53
Price/Tangible Book Value High	0.74	0.67	0.53	0.48	0.58	0.58	0.55	0.52	0.62
Price/Tangible Book Value Low	0.33	0.45	0.43	0.22	0.33	0.47	0.42	0.43	0.46
Price/Sales	1.07	0.92	0.93	0.72	0.85	0.96	1.19	1.07	1.21
Price/Sales Average	0.72	1.12	0.9	0.64	0.68	1.1	1.08	1.03	1.06
Price/Sales High	1.16	1.34	1.02	0.81	0.95	1.19	1.25	1.11	1.22
Price/Sales Low	0.51	0.9	0.84	0.38	0.54	0.96	0.95	0.92	0.9
Price/Cash Flow	7.11	4.43	2.83	2.33	3.15	5.98	3.59	4.52	9.51
Price/Cash Flow Average	4.78	5.41	2.77	2.06	2.51	6.91	3.27	4.36	8.31
Price/Cash Flow High	7.74	6.47	3.13	2.6	3.5	7.42	3.77	4.7	9.61
Price/Cash Flow Low	3.42	4.37	2.56	1.21	1.98	5.98	2.87	3.91	7.09
Price/Free Cash Flow Average	3.6	4.93	2.36	1.81	1.58	4.55	2.93	3.74	6.29
Price/Free Cash Flow High	5.83	5.9	2.67	2.28	2.2	4.88	3.38	4.03	7.28
Price/Free Cash Flow Low	2.58	3.98	2.19	1.06	1.25	3.93	2.58	3.35	5.37
EV/Sales Average	3.76	4.07	4.89	4.92	0.75	- -	1.35	- -	- -
EV/Sales High	4.21	4.29	5.01	5.09	1.02	- -	1.51	- -	- -
EV/Sales Low	3.56	3.85	4.82	4.65	0.61	- -	1.22	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.5	10.43	9.95	9.8	13.5	12.9	15.02	15.3	20.51
High Price	14.7	15.21	11	10.95	15	16	15.75	15.91	20.74
Enterprise Value Average	42	46	60	76	13	-36	20	-8	-43
Enterprise Value High	47	49	61	78	18	-35	22	-7	-40
Enterprise Value Low	40	44	59	72	11	-38	18	-10	-46

Shares Outstanding	- -	- -	- -	- -	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1
Revenue per Share	12.66	11.36	10.75	13.57	15.82	13.5	12.61	14.32	16.95
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.96	1.17	1.13	2.02	3.23	2.22	1.9	2.73	2.78
Basic EPS from Cont Ops	1.47	1.62	1.52	2.41	3.63	2.58	2.17	2.92	2.95
Diluted EPS, GAAP	0.96	1.17	1.13	2.02	3.23	2.22	1.9	2.73	2.78
Diluted EPS from Cont Ops	1.47	1.62	1.52	2.41	3.63	2.58	2.17	2.92	2.95
Dividend per Share	0.51	0.45	0.61	0.61	0.61	0.62	0.55	0.48	0.61
Cash Flow per Share	1.9	2.35	3.51	4.21	4.29	2.16	4.18	3.38	2.16
Free Cash Flow per Basic Share	1.28	2.13	2.91	3.61	1.75	1.04	3.7	2.82	1.46
Cash & Equivalents per Share	27.5	21.47	28	62.15	59.47	95.92	59.48	78.09	105.44
Book Value per Share	9.36	9.56	9.37	11.18	14.2	15.84	16.75	19.13	21.42
Tangible Book Value per Share	19.82	22.61	20.91	22.69	25.99	27.49	28.46	30.81	33.58

Enterprise Financial Services Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)