Enterprise Financial Services (EFSC) Debt/Equity Ratio: History & Chart

Enterprise Financial Services Corp(EFSC)

Banks - Regional · Clayton, MO

$60.36+0.54 (+0.90%)

Delayed quote: Oct 6, 2026, 10:15 AM EDT

About Enterprise Financial Services Corp

Enterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corporate clients. The company's core deposit offerings encompass checking, savings, and money market accounts, alongside certificates of deposit. On the lending side, EFSC extends a broad portfolio of credit facilities, including commercial and industrial loans, commercial real estate financing, construction and land development loans, residential real estate mortgages, agricultural loans, and consumer credit. Beyond traditional banking, the firm provides specialized business services such as treasury management and international trade support. It also operates a unique tax credit brokerage service, assisting clients with the acquisition and subsequent sale of tax credits. For wealth management, EFSC offers financial and estate planning, investment management, and trust services, catering to businesses, private individuals, institutions, retirement plans, and non-profit organizations. Additionally, its extensive service catalog includes fiduciary duties, expert financial advisory, merchant processing solutions, and various debit and credit card options. The company further embraces modern technology, offering international banking, insurance products, and digital platforms like internet and mobile banking. Operational efficiencies are supported by remote deposit capture, positive pay systems, robust fraud detection and prevention tools, automated payable services, and comprehensive check and statement/document imaging capabilities. Complementing these, its cash management products feature controlled disbursements, repurchase agreements, and sweep investment accounts. Geographically, Enterprise Financial Services Corp maintains a physical presence with banking branches and administrative offices in key markets across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Moreover, it operates a network of specialized SBA loan production offices and deposit production offices in numerous other states. Founded in 1988, Enterprise Financial Services Corp is headquartered in Clayton, Missouri.

Clayton, MO

1,370 employees

www.enterprisebank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: James Brian Lally

View full financials

EFSC Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.33

DEBT TO EQUITY RATIO AVG TTM

0.29

DEBT TO EQUITY RATIO AVG 3Y

0.28

DEBT TO EQUITY RATIO AVG 5Y

0.30

DEBT TO EQUITY RATIO AVG 10Y

0.59

DEBT TO EQUITY RATIO AVG 15Y

0.81

DEBT TO EQUITY RATIO AVG 20Y

0.96

CURRENT VS TTM AVG

+13.78%

CURRENT VS 3Y AVG

+20.83%

CURRENT VS 5Y AVG

+12.19%

CURRENT VS 10Y AVG

-43.32%

CURRENT VS 15Y AVG

-58.66%

CURRENT VS 20Y AVG

-65.04%

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 474 covered companies

CURRENT VS SECTOR MEDIAN

-1.70%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Enterprise Financial Services Corp (EFSC)	$2.18B	0.33	0.29	0.28	0.30
eToro Group Ltd. (ETOR)vs ›	$2.21B	0.03	0.07	0.07	0.07
Brighthouse Financial, Inc. (BHFAP)vs ›	$2.26B	0.48	0.55	0.58	0.45
Ethos Technologies Inc. (LIFE)vs ›	$2.27B	0.04	N/A	N/A	N/A
Encore Capital Group, Inc. (ECPG)vs ›	$2.10B	4.52	4.51	3.75	3.38
First Busey Corporation (BUSEP)vs ›	$2.09B	N/A	N/A	N/A	N/A
Merchants Bancorp (MBIN)vs ›	$2.30B	1.79	1.80	1.20	1.23
Banner Corporation (BANR)vs ›	$2.30B	0.27	0.27	0.33	0.34
Nuveen Quality Municipal Income Fund (NAD)vs ›	$2.35B	0.72	0.70	0.73	0.68
City Holding Company (CHCO)vs ›	$2.01B	0.65	0.65	0.61	0.55

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Enterprise Financial Services Corp (EFSC)

$2.18B

0.33

0.29

0.28

0.30

eToro Group Ltd. (ETOR)vs ›

$2.21B

0.03

0.07

Brighthouse Financial, Inc. (BHFAP)vs ›

$2.26B

0.48

0.55

0.58

0.45

Ethos Technologies Inc. (LIFE)vs ›

$2.27B

0.04

N/A

Encore Capital Group, Inc. (ECPG)vs ›

$2.10B

4.52

4.51

3.75

3.38

First Busey Corporation (BUSEP)vs ›

$2.09B

N/A

Merchants Bancorp (MBIN)vs ›

$2.30B

1.79

1.80

1.20

1.23

Banner Corporation (BANR)vs ›

$2.30B

0.27

0.33

0.34

Nuveen Quality Municipal Income Fund (NAD)vs ›

$2.35B

0.72

0.70

0.73

0.68

City Holding Company (CHCO)vs ›

$2.01B

0.65

0.61

0.55

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The debt to equity ratio for EFSC stock is 0.33.

Is Enterprise Financial Services Corp's debt to equity ratio high or low?

The debt to equity ratio of 0.33 is 12% above its 5-year average of 0.30, around the middle of its 5-year range (0.20–0.44).

What is the TTM average debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The TTM average debt to equity ratio for EFSC stock is 0.29.

What is the 3Y average debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The 3Y average debt to equity ratio for EFSC stock is 0.28.

What is the 5Y average debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The 5Y average debt to equity ratio for EFSC stock is 0.30.

What is the 10Y average debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The 10Y average debt to equity ratio for EFSC stock is 0.59.

What is the 15Y average debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The 15Y average debt to equity ratio for EFSC stock is 0.81.

What is the 20Y average debt to equity ratio for Enterprise Financial Services Corp (EFSC)?

The 20Y average debt to equity ratio for EFSC stock is 0.96.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.33
2026-03-31	0.20
2025-12-31	0.25
2025-09-30	0.34
2025-06-30	0.34
2025-03-31	0.33
2024-12-31	0.24
2024-09-30	0.26
2024-06-30	0.24
2024-03-31	0.28
2023-12-31	0.26
2023-09-30	0.21
2023-06-30	0.31
2023-03-31	0.29
2022-12-31	0.38
2022-09-30	0.24
2022-06-30	0.30
2022-03-31	0.29
2021-12-31	0.37
2021-09-30	0.35
2021-06-30	0.44
2021-03-31	0.44
2020-12-31	0.51
2020-09-30	0.78
2020-06-30	0.78
2020-03-31	0.67
2019-12-31	0.73
2019-09-30	0.95
2019-06-30	0.90
2019-03-31	0.69
2018-12-31	0.68
2018-09-30	1.16
2018-06-30	1.13
2018-03-31	0.92
2017-12-31	0.99
2017-09-30	1.07
2017-06-30	0.98
2017-03-31	0.94
2016-12-31	1.70
2016-09-30	0.99
2016-06-30	0.90
2016-03-31	1.06
2015-12-31	1.25
2015-09-30	0.95
2015-06-30	0.96
2015-03-31	0.77
2014-12-31	1.39
2014-09-30	1.18
2014-06-30	1.27
2014-03-31	1.29
2013-12-31	1.17
2013-09-30	1.30
2013-06-30	1.87
2013-03-31	1.52
2012-12-31	1.74
2012-09-30	1.34
2012-06-30	1.20
2012-03-31	1.13
2011-12-31	1.43
2011-09-30	1.17
2011-06-30	1.16
2011-03-31	1.52
2010-12-31	1.70
2010-09-30	1.50
2010-06-30	1.50
2010-03-31	1.56
2009-12-31	1.54
2009-09-30	2.94
2009-06-30	1.68
2009-03-31	1.86
2008-12-31	2.23
2008-09-30	1.92
2008-06-30	1.82
2008-03-31	1.49
2007-12-31	1.31
2007-09-30	1.18
2007-06-30	0.94
2007-03-31	0.91
2006-12-31	0.57
2006-09-30	0.68
2006-06-30	1.25
2006-03-31	1.19
2005-12-31	0.73
2005-09-30	0.67
2005-06-30	0.73
2005-03-31	1.20
2004-12-31	0.56
2004-09-30	0.46
2004-06-30	1.07
2004-03-31	0.46
2003-12-31	0.61
2003-09-30	0.30
2003-06-30	0.50
2003-03-31	0.53
2002-12-31	0.54
2002-09-30	0.56

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.33

2026-03-31

0.20

2025-12-31

0.25

2025-09-30

0.34

2025-06-30

0.34

2025-03-31

0.33

2024-12-31

0.24

2024-09-30

0.26

2024-06-30

0.24

2024-03-31

0.28

2023-12-31

0.26

2023-09-30

0.21

2023-06-30

0.31

2023-03-31

0.29

2022-12-31

0.38

2022-09-30

0.24

2022-06-30

0.30

2022-03-31

0.29

2021-12-31

0.37

2021-09-30

0.35

2021-06-30

0.44

2021-03-31

0.44

2020-12-31

0.51

2020-09-30

0.78

2020-06-30

0.78

2020-03-31

0.67

2019-12-31

0.73

2019-09-30

0.95

2019-06-30

0.90

2019-03-31

0.69

2018-12-31

0.68

2018-09-30

1.16

2018-06-30

1.13

2018-03-31

0.92

2017-12-31

0.99

2017-09-30

1.07

2017-06-30

0.98

2017-03-31

0.94

2016-12-31

1.70

2016-09-30

0.99

2016-06-30

0.90

2016-03-31

1.06

2015-12-31

1.25

2015-09-30

0.95

2015-06-30

0.96

2015-03-31

0.77

2014-12-31

1.39

2014-09-30

1.18

2014-06-30

1.27

2014-03-31

1.29

2013-12-31

1.17

2013-09-30

1.30

2013-06-30

1.87

2013-03-31

1.52

2012-12-31

1.74

2012-09-30

1.34

2012-06-30

1.20

2012-03-31

1.13

2011-12-31

1.43

2011-09-30

1.17

2011-06-30

1.16

2011-03-31

1.52

2010-12-31

1.70

2010-09-30

1.50

2010-06-30

1.50

2010-03-31

1.56

2009-12-31

1.54

2009-09-30

2.94

2009-06-30

1.68

2009-03-31

1.86

2008-12-31

2.23

2008-09-30

1.92

2008-06-30

1.82

2008-03-31

1.49

2007-12-31

1.31

2007-09-30

1.18

2007-06-30

0.94

2007-03-31

0.91

2006-12-31

0.57

2006-09-30

0.68

2006-06-30

1.25

2006-03-31

1.19

2005-12-31

0.73

2005-09-30

0.67

2005-06-30

0.73

2005-03-31

1.20

2004-12-31

0.56

2004-09-30

0.46

2004-06-30

1.07

2004-03-31

0.46

2003-12-31

0.61

2003-09-30

0.30

2003-06-30

0.50

2003-03-31

0.53

2002-12-31

0.54

2002-09-30

0.56

Debt to Equity Ratio: 0.33

EFSC Debt to Equity Ratio

EFSC Average Debt to Equity Ratio Chart

EFSC Current vs Average Debt to Equity Ratio Chart

EFSC Debt to Equity Ratio Metrics

EFSC Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

EFSC Debt to Equity Ratio History

Related Metrics