EFSC
Enterprise Financial Services Corp
EFSC offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has the edge over EFSC overall, supported by stronger fundamentals and stronger modeled upside.
EFSC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
EFSC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like EFSC.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
EFSC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $40.64 | -35% |
| Fair | 11x | $54.51 | -13% |
| Forward | 11x | $62.38 | — |
| Expensive | 13x | $63.92 | +2.5% |
| Current | 13x | $62.38 | — |
Historical ranges are pointers, not guarantees.
EFSC's PE is in its expensive range at 13x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its fair range.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over EFSC in the historical PE scenario, which offers more potential upside but is not a forecast.
EFSC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
EFSC has the edge over JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
EFSC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.92 | +19% |
| Q3 2026 | $4.98 | -2.9% |
| Q2 2026 | $5.03 | -4.4% |
| Q1 2026 | $5.30 | +4.1% |
| Q4 2025 | $5.31 | +9.9% |
| Q3 2025 | $5.13 | +8.9% |
| Q2 2025 | $5.26 | +15% |
| Q1 2025 | $5.09 | +9.2% |
| Q4 2024 | $4.83 | -4.7% |
EFSC earned $4.98 per share over the past year, down 2.9% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over EFSC on earnings, with more consistent year-over-year improvement.
EFSC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $187.8M | -9.2% |
| Q2 2026 | $182.2M | +5.1% |
| Q1 2026 | $185.2M | +12% |
| Q4 2025 | $193.6M | +16% |
| Q3 2025 | $206.9M | +25% |
| Q2 2025 | $173.4M | +11% |
| Q1 2025 | $166M | +11% |
| Q4 2024 | $167M | +0.5% |
EFSC has the edge over JPM on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 29% | -14 points |
| Q2 2026 | 29% | -8.4 points |
| Q1 2026 | 34% | -2.8 points |
| Q4 2025 | 36% | -0.2 points |
| Q3 2025 | 43% | +4.8 points |
| Q2 2025 | 37% | +0.4 points |
| Q1 2025 | 37% | +3 points |
| Q4 2024 | 36% | +2.9 points |
EFSC's operating margin was 29% last quarter, down 14 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over EFSC on profitability, with a higher operating margin.
EFSC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $71.1M | +51% |
| Q2 2026 | $67M | +14% |
| Q1 2026 | $57.5M | +61% |
| Q4 2025 | $39.8M | -21% |
| Q3 2025 | $47.1M | -47% |
| Q2 2025 | $59M | -21% |
| Q1 2025 | $35.6M | +32% |
| Q4 2024 | $50.1M | -33% |
EFSC has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
EFSC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -337K shares |
| 1 year | -2.6% | -974K shares |
| 3 years | -3.1% | -1.2M shares |
| 5 years | -1.6% | -588K shares |
| Available history | +39% | +10.2M shares |
EFSC has 36M diluted shares, down 2.6% from a year ago, with $88M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $34M |
| Q2 2026 | $22.8M |
| Q1 2026 | $27.2M |
| Q4 2025 | $3.5M |
| Q3 2025 | — |
| Q2 2025 | $14,000 |
| Q1 2025 | $10.6M |
| Q4 2024 | $11.3M |
EFSC spent $88M buying back its own shares over the past year, about four times what it spent the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over EFSC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
EFSC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.9x | Very low |
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 0.9x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.4x | Very low |
| Q1 2025 | 0.6x | Very low |
| Q4 2024 | 0.7x | Very low |
EFSC's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like EFSC.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM has the edge over EFSC on leverage, with a lower net debt burden relative to earnings.
EFSC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.1 | Neutral |
| Stochastic | 43.9 | Neutral |
EFSC's weekly RSI is 52 (neutral) and its Stochastic is 44 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
EFSC PE vs Financial Services Sector
| Metric | EFSC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.8% below |
| PE % | 78 | 63 | 15 pts above |
EFSC has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
EFSC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $60.9 | 2.5% above |
| 20 week MA | $63.4 | 1.6% below |
| 50 week MA | $60.1 | 3.8% above |
| 100 week MA | $57.8 | 7.9% above |
| 200 week MA | $51.1 | 22% above |
EFSC's trend is mixed: it's above four of its five weekly moving averages, and 22% above its 200-week average.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
EFSC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.1 | $35.2 | -27% |
| 2021 | $35.2 | $46.5 | +32% |
| 2022 | $46.5 | $49.1 | +5.6% |
| 2023 | $49.1 | $44.7 | -9.1% |
| 2024 | $44.7 | $56.3 | +26% |
| 2025 | $56.3 | $55.5 | -1.5% |
| 2026 YTD | $55.5 | $62.4 | +12% |
EFSC has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.