Is EFSC halal?
Enterprise Financial Services C
Not halal
Enterprise Financial Services C did not pass AAOIFI screening. The failed check is shown below.
Checked: 16 October 2026
Exchange
NASDAQ
Price
59.84
Day
+0.96%
Market cap
$2.16B
Industry
Banks - Regional
Sector
Financial Services
What the company does
Enterprise Financial Services is a business bank in St. Louis and the Southwest: commercial loans, deposits and specialty lending (SBA, life-insurance premium, tax-credit). Revenue comes from loan interest and fees.
What was checked
The AAOIFI standard has four steps: business activity first, then three financial ratios. Fail one and the stock is not halal.
Business activity
Prohibited activity: Banks - Regional
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $413.10M ÷ 36-month average market cap $1.89B = 21.9%
21.9%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $3.48B ÷ 36-month average market cap $1.89B = 184.5%
184.5%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $886.32M ÷ annual revenue $616.38M (2025) = 143.8%
143.8%
Fail
Figures from the company's filings (2026-03-31), USD. Market cap is a 36-month average (the S&P Shariah index approach), so a one-day price move does not flip the verdict. Today's market cap: $2.16B.
In the lists
- In the S&P 500
- Not in the S&P 500
- Held by funds
- Not held by any tracked fund
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- Halal investingBlogWhy a company's cash affects whether its stock is halalLots of cash sounds like a good sign — but halal screening checks it separately. What counts, what doesn't, and where we are stricter than AAOIFI.
- Halal investingBlogAAOIFI Shariah Standard No. 21 in plain languageThe most widely used standard for halal stock screening: the two-step test, the three ratios and how it differs from other methods.
Halal is the first question. The second: when to enter?
Our scanner watches 1454 halal stocks around the clock and fires a signal with entry, TP and SL when a technical setup completes. The full signal history — with outcomes — is public.
This is neither investment advice nor a fatwa. Screening is based on public financial statements and AAOIFI standard No. 21; data may lag. For a personal decision consult your own scholar.