Analyst Ratings

Date	Action	Analyst	Rating	Target
Jun-18-26	Reiterated	Piper Sandler	Neutral	$64 → $67
Jan-28-26	Reiterated	DA Davidson	Buy	$65 → $68
Oct-15-25	Reiterated	Piper Sandler	Overweight	$62 → $64
Apr-30-25	Reiterated	DA Davidson	Buy	$61 → $65
Oct-23-24	Reiterated	D.A. Davidson	Buy	$61
Oct-23-24	Reiterated	Piper Sandler	Overweight	$62
Jul-26-23	Downgrade	Raymond James	Outperform → Market Perform
Oct-26-22	Upgrade	DA Davidson	Neutral → Buy
Apr-27-22	Reiterated	Raymond James	Outperform	$53
Nov-06-18	Upgrade	Keefe, Bruyette & Woods	Market Perform → Outperform

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023
Total Revenue	955	912	814	Upgrade your experience to unlock full historical data
Cost of Goods Sold Incl. D&A	285	288	304
Gross Profit	670	624	510
Selling, General and Administrative Excl. Other	167	157	196
Research and Development	0	0	0
Other Operating Expense	217	184	83
Operating Income	286	284	231
Interest Expense	256	262	283
Unusual Expense	—	—	—
Non-Operating Income (Expense)	0	0	0
Net Income Before Taxes	286	284	231
Income Taxes	84	82	46
Consolidated Net Income	200	201	185
Net Income From Continuing Operations	200	201	185
Net Income	200	201	185
EPS (Recurring)	5.33	5.35	4.86
EPS (Basic, Before Extraordinaries)	5.33	5.35	4.86
EPS (Diluted)	5.30	5.31	4.83
EBITDA	298	291	241
Other After Tax Adjustments	—	—	—
Stock Option Compensation Expense	—	—	—
Price To Earnings Ratio	11.72	10.17	—
Price To Sales Ratio	2.41	2.19	—
Gross Margin	70.16	68.42	62.65
Operating Margin	29.95	31.14	28.38
Net Margin	20.94	22.04	22.73
Shares Outstanding	37	37	37
Market Capitalization	2,298	1,998	—
Operating Lease Expense	—	—	—

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
PONDER MARK G	SEVP, Chief Admin. Officer	Apr 28 '26	Sale	60.55	1,250	75,688	0	Apr 29 12:00 AM
Handley Kevin L	Chief Credit Officer	Apr 14 '26	Option Exercise	0.00	760	0	6,560	Apr 16 12:00 AM
Huffman Bridget	SEVP, Chief Risk Officer	Apr 14 '26	Option Exercise	0.00	760	0	7,229	Apr 16 12:00 AM
DUMLAO TROY	EVP, Chief Accounting Officer	Apr 14 '26	Option Exercise	0.00	760	0	8,641	Apr 16 12:00 AM
IANNACONE NICOLE M	SEVP, Chief Legal Officer	Feb 24 '26	Option Exercise	0.00	6,652	0	24,321	Feb 26 12:00 AM
KEENE S TURNER	SEVP, Chief Financial Officer	Feb 24 '26	Option Exercise	0.00	9,978	0	66,488	Feb 26 12:00 AM
PONDER MARK G	SEVP, Chief Admin. Officer	Feb 24 '26	Option Exercise	0.00	6,652	0	8,313	Feb 26 12:00 AM
LALLY JAMES BRIAN	CEO	Feb 24 '26	Option Exercise	0.00	15,964	0	119,198	Feb 26 12:00 AM
BAUCHE DOUGLAS	SEVP, Chief Banking Officer	Feb 24 '26	Option Exercise	0.00	6,652	0	29,887	Feb 26 12:00 AM
KEENE S TURNER	SEVP, Chief Financial Officer	Feb 10 '26	Option Exercise	0.00	3,928	0	59,140	Feb 12 12:00 AM
DUMLAO TROY	EVP, Chief Accounting Officer	Feb 10 '26	Option Exercise	0.00	722	0	7,898	Feb 12 12:00 AM
IANNACONE NICOLE M	SEVP, Chief Legal Officer	Feb 10 '26	Option Exercise	0.00	2,038	0	19,858	Feb 12 12:00 AM
PONDER MARK G	SEVP, Chief Admin. Officer	Feb 10 '26	Option Exercise	0.00	2,012	0	3,866	Feb 12 12:00 AM
Handley Kevin L	Chief Credit Officer	Feb 10 '26	Option Exercise	0.00	688	0	5,806	Feb 12 12:00 AM
Huffman Bridget	SEVP, Chief Risk Officer	Feb 10 '26	Option Exercise	0.00	682	0	6,506	Feb 12 12:00 AM


Market Cap	2.27B	Forward P/E	10.52	EPS next Y	5.91	Insider Trans	0.18%	Shs Float	-	Perf Month	4.46%


Enterprise Value	2.42B	PEG	3.08	EPS next Q	1.35	Inst Own	-	Short Float	-	Perf Quarter	16.90%


Income	199.06M	P/S	2.37	EPS this Y	4.60%	Inst Trans	-	Short Ratio	-	Perf Half Y	9.75%


Sales	954.92M	P/B	1.13	EPS next Y	6.53%	ROA	1.17%	Short Interest	-	Perf YTD	15.02%


Book/sh	55.26	P/C	10.79	EPS next 5Y	6.53%	ROE	10.08%	52W High	64.56 -3.79%	Perf Year	19.53%


Cash/sh	7.08	P/FCF	11.15	EPS past 3/5Y	-	ROIC	1.17%	52W Low	51.18 21.36%	Perf 3Y	-


Dividend Est.	1.30 (2.09%)	EV/EBITDA	8.12	Sales past 3/5Y	19.53% 21.32%	Gross Margin	70.18%	Volatility	1.73% 1.65%	Perf 5Y	-


Dividend TTM	1.30 (2.09%)	EV/Sales	2.54	EPS Y/Y TTM	8.49%	Oper. Margin	29.90%	ATR (14)	1.52	Perf 10Y	-


Dividend Ex-Date	Jun 15, 2026	Quick Ratio	0.00	Sales Y/Y TTM	17.32%	Profit Margin	21.03%	RSI (14)	55.49	Recom	2.22


Dividend Gr. 3/5Y	10.67% 11.12%	Current Ratio	0.00	EPS Q/Q	0.00%	SMA20	0.94%	Beta	0.77	Target Price	67.50


Payout	25.05%	Debt/Eq	0.20	Sales Q/Q	20.79%	SMA50	3.82%	Rel Volume	3.54	Prev Close	61.97


Employees	1,218	LT Debt/Eq	0.25	Earnings	Jul 27	SMA200	8.74%	Avg Volume	247.44K	Price	62.11


IPO Date	Jul 15, 2003	Option/Short	Yes / Yes	EPS/Sales Surpr.	0.77% 11.18%	Net Debt/EBITDA	0.52	Volume	876,335	Change	0.23%

EFSC