EFSC vs. AX

Last updated Jun 3, 2026

EFSC (Enterprise Financial Services Corp) and AX (Axos Financial, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, EFSC returned 6.39%/yr vs 12.99%/yr for AX. A 0.73 correlation means they provide meaningful diversification when combined.

Performance

EFSC vs. AX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Enterprise Financial Services Corp (EFSC) and Axos Financial, Inc. (AX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, EFSC achieves a 13.21% return, which is significantly higher than AX's 1.85% return.

EFSC

• 1D: 1.81%
• 1M: 3.18%
• YTD: 13.21%
• 6M: 12.27%
• 1Y: 19.05%
• 3Y*: 15.25%
• 5Y*: 6.39%
• 10Y*: 9.71%

AX

• 1D: 1.62%
• 1M: 0.39%
• YTD: 1.85%
• 6M: 7.54%
• 1Y: 26.37%
• 3Y*: 28.52%
• 5Y*: 12.99%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

EFSC vs. AX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018
EFSC Enterprise Financial Services Corp	13.21%	-2.14%	29.29%	-6.64%	6.02%	36.90%	-25.74%	29.99%	-27.67%
AX Axos Financial, Inc.	1.85%	23.35%	27.93%	42.86%	-31.64%	48.97%	23.94%	20.25%	-27.25%

Correlation

The correlation between EFSC and AX is 0.72, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.72
Correlation (3Y) Calculated over the trailing 3-year period	0.75
Correlation (5Y) Calculated over the trailing 5-year period	0.74
Correlation (All Time) Calculated using the full available price history since Oct 2, 2018	0.73

The correlation between EFSC and AX has been stable across timeframes, ranging from 0.72 to 0.75 - a consistent structural relationship.

Fundamentals

Market Cap EFSC : $2.26B AX : $5.07B
EPS EFSC : $5.39 AX : $8.22
PE Ratio EFSC : 11.27 AX : 10.68
PEG Ratio EFSC : 1.15 AX : 0.49
PS Ratio EFSC : 2.37 AX : 10.61
PB Ratio EFSC : 1.16 AX : 1.65
Total Revenue (TTM) EFSC : $954.93M AX : $479.42M
Gross Profit (TTM) EFSC : $670.18M AX : $302.17M
EBITDA (TTM) EFSC : $290.91M AX : $826.17M

Return for Risk

EFSC vs. AX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

EFSC

EFSC Risk / Return Rank: 61
EFSC Sharpe Ratio Rank: 65
EFSC Sortino Ratio Rank: 59
EFSC Omega Ratio Rank: 57
EFSC Calmar Ratio Rank: 63
EFSC Martin Ratio Rank: 62

AX

AX Risk / Return Rank: 63
AX Sharpe Ratio Rank: 66
AX Sortino Ratio Rank: 59
AX Omega Ratio Rank: 61
AX Calmar Ratio Rank: 67
AX Martin Ratio Rank: 65

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

EFSC vs. AX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Enterprise Financial Services Corp (EFSC) and Axos Financial, Inc. (AX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	EFSC	AX	Difference
Sharpe ratio Return per unit of total volatility	0.79	0.82	-0.04
Sortino ratio Return per unit of downside risk	1.25	1.23	+0.02
Omega ratio Gain probability vs. loss probability	1.15	1.17	-0.02
Calmar ratio Return relative to maximum drawdown	1.14	1.38	-0.24
Martin ratio Return relative to average drawdown	2.35	2.85	-0.50
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

EFSC vs. AX - Sharpe Ratio Comparison

The current EFSC Sharpe Ratio is 0.79, which is comparable to the AX Sharpe Ratio of 0.82. The chart below compares the historical Sharpe Ratios of EFSC and AX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	EFSC	AX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.79	0.82	-0.04
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.22	0.32	-0.10
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.30	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.21	0.29	-0.09

Drawdowns

EFSC vs. AX - Drawdown Comparison

The maximum EFSC drawdown since its inception was -77.62%, which is greater than AX's maximum drawdown of -59.57%. Use the drawdown chart below to compare losses from any high point for EFSC and AX.

Drawdown Indicators

	EFSC	AX	Difference
Max Drawdown Largest peak-to-trough decline	-77.62%	-59.57%	-18.05%
Max Drawdown (1Y) Largest decline over 1 year	-15.28%	-19.04%	+3.76%
Max Drawdown (3Y) Largest decline over 3 years	-25.03%	-34.92%	+9.89%
Max Drawdown (5Y) Largest decline over 5 years	-38.76%	-46.31%	+7.55%
Max Drawdown (10Y) Largest decline over 10 years	-57.17%	—	—
Current Drawdown Current decline from peak	-1.14%	-13.13%	+11.99%
Average Drawdown Average peak-to-trough decline	-27.01%	-20.58%	-6.43%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.41%	9.19%	-1.78%

Volatility

EFSC vs. AX - Volatility Comparison

Enterprise Financial Services Corp (EFSC) and Axos Financial, Inc. (AX) have volatilities of 5.58% and 5.57%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	EFSC	AX	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.58%	5.57%	+0.01%
Volatility (6M) Calculated over the trailing 6-month period	17.05%	24.15%	-7.10%
Volatility (1Y) Calculated over the trailing 1-year period	24.41%	32.14%	-7.73%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.84%	40.79%	-11.95%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	33.00%	44.21%	-11.21%

Dividends

EFSC vs. AX - Dividend Comparison

EFSC's dividend yield for the trailing twelve months is around 2.07%, while AX has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AX Axos Financial, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EFSC Enterprise Financial Services Corp	2.07%	2.26%	1.88%	2.24%	1.84%	1.59%	2.06%	1.29%	1.25%	0.97%	0.95%	0.93%

Financials

EFSC vs. AX - Profitability Comparison

The chart below illustrates the profitability comparison between Enterprise Financial Services Corp and Axos Financial, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

EFSC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported a gross profit of 177.99M and revenue of 244.18M. Therefore, the gross margin over that period was 72.9%.

AX - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Axos Financial, Inc. reported a gross profit of -657.74M and revenue of -1.06B. Therefore, the gross margin over that period was 62.2%.

EFSC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported an operating income of 62.86M and revenue of 244.18M, resulting in an operating margin of 25.7%.

AX - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Axos Financial, Inc. reported an operating income of -325.40M and revenue of -1.06B, resulting in an operating margin of 30.8%.

EFSC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported a net income of 49.36M and revenue of 244.18M, resulting in a net margin of 20.2%.

AX - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Axos Financial, Inc. reported a net income of 124.68M and revenue of -1.06B, resulting in a net margin of -11.8%.

Frequently Asked Questions

Can I hold both EFSC and AX in my portfolio?

EFSC and AX have a correlation of 0.72, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, EFSC or AX?

EFSC has higher volatility (5.58%) compared to AX (5.57%). In terms of maximum drawdown, EFSC dropped -77.62% vs AX's -59.57%.

Which has better risk-adjusted returns?

AX currently has the higher Sharpe Ratio (0.82 vs 0.79), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.