Earnings summaries and quarterly performance for ENTERPRISE FINANCIAL SERVICES.
Executive leadership at ENTERPRISE FINANCIAL SERVICES.
James Lally
Detailed
President and Chief Executive Officer
CEO
BH
Bridget Huffman
Detailed
Senior Executive Vice President and Chief Risk Officer
DB
Doug Bauche
Detailed
Senior Executive Vice President and Chief Banking Officer
KT
Keene Turner
Detailed
Senior Executive Vice President, Chief Financial Officer and Chief Operating Officer
KH
Kevin Handley
Detailed
Chief Credit Officer
MP
Mark Ponder
Detailed
Senior Executive Vice President and Chief Administrative Officer
NI
Nicole Iannacone
Detailed
Senior Executive Vice President, Chief Legal Officer and Corporate Secretary
Board of directors at ENTERPRISE FINANCIAL SERVICES.
LA
Lars Anderson
Detailed
Director
LY
Lina Young
Detailed
Director
LA
Lyne Andrich
Detailed
Director
MM
Marcela Manjarrez
Detailed
Director
MD
Michael DeCola
Detailed
Chair of the Board
MF
Michael Finn
Detailed
Director
MH
Michael Holmes
Detailed
Director
NK
Nevada Kent IV
Detailed
Director
RS
Richard Sanborn
Detailed
Director
SV
Sandra Van Trease
Detailed
Director
SM
Stephen Marsh
Detailed
Director
Research analysts who have asked questions during ENTERPRISE FINANCIAL SERVICES earnings calls.
DD
Damon Del Monte
Keefe, Bruyette & Woods
7 questions for EFSC
Also covers: ALRS, BY, CAC +15 more
BM
Brian Martin
Janney Montgomery Scott
6 questions for EFSC
Also covers: BFIN, BY, FBIZ +10 more
Jeff Rulis
D.A. Davidson & Co.
6 questions for EFSC
Also covers: ALRS, BANR, BMRC +17 more
David Long
Raymond James Financial, Inc.
4 questions for EFSC
Also covers: ALRS, BY, FCNCA +10 more
Andrew Liesch
Piper Sandler
3 questions for EFSC
Also covers: AX, BANR, BOH +13 more
NR
Nathan Race
Piper Sandler & Co.
3 questions for EFSC
Also covers: ALRS, BSVN, BWB +18 more
RP
Ryan Pan
D.A. Davidson & Co.
1 question for EFSC
Also covers: QCRH
Recent press releases and 8-K filings for EFSC.
EFSC Reports Q4 2025 Financial and Strategic Highlights
EFSC
M&A
Earnings
Share Buyback
- As of Q4 2025, ENTERPRISE FINANCIAL SERVICES CORP (EFSC) reported $17.3 billion in Total Assets, $14.6 billion in Total Deposits, and $11.8 billion in Total Loans. The company achieved a 13.3% Return on Average Tangible Common Equity (ROATCE) YTD and a 9.07% Tangible Common Equity (TCE) Ratio.
- EFSC completed the acquisition of 12 branches in Arizona and Kansas on October 10, 2025, which added $609.5 million in Total Deposits and $292.0 million in Total Loans, with an expected mid to high single-digit full year EPS accretion.
- The company repurchased 258,739 shares at an average price of $54.60 per share and has a history of regular dividend increases with a 17% CAGR over the last 11 years.
- Key performance metrics for Q4 2025 included Nonperforming Loans/Loans of 0.70% and an Allowance Coverage Ratio of 1.19% (1.29% adjusted for guaranteed loans).
Jan 29, 2026, 9:31 PM
EFSC Reports Strong Q4 and Full-Year 2025 Earnings, Driven by Strategic Acquisitions and Balance Sheet Growth
EFSC
Earnings
M&A
Guidance Update
- EFSC reported diluted earnings per share of $1.45 for Q4 2025 and $5.31 for the full year 2025, with net interest income expanding to $168 million and a net interest margin of 4.26% in Q4 2025.
- The company achieved 11% balance sheet growth in 2025, driven by organic growth and a branch acquisition that contributed to $1 billion in deposit growth and $217 million in loan growth in Q4 2025.
- EFSC maintained strong capital with a tangible common equity to tangible assets ratio of 9.07% and an 11% increase in tangible book value per share to $41.37 for the year. The quarterly dividend was increased to $0.32 per share, and 67,000 shares were repurchased in Q4 2025.
- Non-performing assets increased to 95 basis points of total assets in Q4 2025, largely due to $70 million in Southern California commercial real estate loans moving to OREO, with management expecting significant reduction in NPAs in the next two quarters. For 2026, the company anticipates a net interest margin run rate of approximately 4.2%, about 5% growth in fee income, and mid-single-digit loan growth.
Jan 27, 2026, 4:00 PM
Enterprise Financial Services Corporation Reports Strong Q4 and Full Year 2025 Results
EFSC
Earnings
Dividends
Share Buyback
- Enterprise Financial Services Corporation (EFSC) reported strong financial results for Q4 and full year 2025, with diluted EPS of $1.45 for Q4 2025 and $5.31 for the full year 2025.
- The company achieved significant balance sheet growth in 2025, growing by 11%, exceeding its mid- to high single-digit goal, driven by organic growth and a branch purchase. Net interest income expanded to $168 million in Q4 2025, a $10 million increase from the linked quarter, and the net interest margin improved slightly to 4.26%.
- EFSC demonstrated strong capital management, increasing its quarterly dividend by $0.01 to $0.32 per share for Q4 2025 and repurchasing 67,000 shares at an average price of $52.64 in Q4.
- While non-performing assets (NPAs) were elevated at 95 basis points, management sees a clear path to reduce them to historical levels of 35-40 basis points over the next one to two quarters, with Q4 2025 net charge-offs at approximately $20 million.
- For 2026, the company expects 6%-8% balance sheet growth and mid-single-digit loan growth, with deposit gathering expected to exceed loan growth.
Jan 27, 2026, 4:00 PM
EFSC Reports Strong Q4 and Full-Year 2025 Earnings, Exceeds Balance Sheet Growth Goals
EFSC
Earnings
Guidance Update
Dividends
- EFSC reported diluted earnings per share of $1.45 for Q4 2025 and $5.31 for the full year 2025, with adjusted EPS for Q4 2025 at $1.36. Net interest income expanded to $168 million in Q4 2025, and the net interest margin improved slightly to 4.26%.
- The company achieved 11% balance sheet growth for FY 2025, exceeding its goal, and reported $1 billion in deposit growth for Q4 2025, which included contributions from a branch acquisition.
- Non-performing assets increased to 95 basis points of total assets in Q4 2025, but management anticipates a significant reduction to 35-40 basis points over the next one to two quarters.
- For 2026, EFSC projects balance sheet growth of 6%-8% and mid-single-digit loan growth, with deposit gathering expected to exceed loan growth. The company also increased its quarterly dividend to $0.33 per share for Q1 2026 and repurchased $3.5 million of common stock in Q4 2025.
Jan 27, 2026, 4:00 PM
Enterprise Financial Services Corp Reports Fourth Quarter and Full Year 2025 Results
EFSC
Earnings
Dividends
M&A
- Enterprise Financial Services Corp reported diluted earnings per common share of $1.45 for the fourth quarter of 2025 and $5.31 for the full year 2025, with net income of $54.8 million and $201.4 million, respectively.
- For Q4 2025, the company's Net Interest Margin (NIM) was 4.26%, and it achieved a Return on Average Assets (ROAA) of 1.27% and a Return on Average Tangible Common Equity (ROATCE) of 14.02%.
- Total loans increased by $217.2 million to $11.8 billion and total deposits increased by $1.0 billion to $14.6 billion in Q4 2025, partly due to a branch acquisition that added $292.0 million in loans and $609.5 million in deposits.
- The company repurchased 67,000 shares in Q4 2025 and 258,739 shares for the full year 2025, and increased its quarterly dividend by $0.01 to $0.33 per common share for the first quarter of 2026.
Jan 26, 2026, 10:20 PM
Enterprise Financial Services Corp Reports Strong Q4 and Full Year 2025 Results
EFSC
Earnings
Dividends
M&A
- Net income for Q4 2025 was $54.8 million, or $1.45 per diluted common share, and for the full year 2025, it was $201.4 million, or $5.31 per diluted common share.
- Net interest income for Q4 2025 reached $168.2 million with a Net Interest Margin (NIM) of 4.26%.
- Total loans increased to $11.8 billion and total deposits grew to $14.6 billion by the end of Q4 2025, including contributions from a branch acquisition that added $292.0 million in loans and $609.5 million in deposits.
- The company repurchased 67,000 shares during Q4 2025 and increased its quarterly dividend by $0.01 to $0.33 per common share for Q1 2026.
Jan 26, 2026, 9:05 PM
EFSC Presents Q3 2025 Investor Update
EFSC
M&A
Earnings
New Projects/Investments
- Enterprise Financial Services Corp (EFSC) reported $16.4 billion in Total Assets, $13.6 billion in Total Deposits, and $11.6 billion in Total Loans as of Q3 2025.
- The company completed the acquisition of 12 branches in Arizona and Kansas on October 10, 2025, a transaction that required no capital raise or share issuance and is anticipated to be mid to high single digit full year EPS accretive.
- Key financial metrics for Q3 2025 include a Tangible Common Equity (TCE) Ratio of 9.60%, a CET1 Ratio of 12.0% (11.2% adjusted for unrealized losses), and $6.8 billion in available liquidity.
- EFSC's strategic focus includes differentiated deposit verticals, a balanced loan portfolio, and a Net Interest Margin (NIM) of 3.41% for Q3 2025.
Oct 29, 2025, 8:06 PM
EFSC Reports Q3 2025 Earnings with Loan and Deposit Growth, Completes Branch Acquisition
EFSC
Earnings
M&A
Dividends
- Enterprise Financial Services Corp reported diluted earnings per share of $1.19 for Q3 2025, with net interest income improving by $5.5 million and net interest margin expanding by two basis points to 4.23%.
- The company achieved an annualized loan growth of 6% and deposit growth of $240 million (net of brokered CDs) in Q3 2025.
- EFSC completed the acquisition of 12 branches (10 in Arizona and two in Kansas City), which garnered approximately $650 million of deposits and $300 million in loans.
- Non-performing assets increased by $22 million to 83 basis points, primarily due to specific loans, but management expects them to return to historical levels. The company's capital position remains strong, with a tangible common equity ratio of 9.6% and a CET1 ratio of 12%. The quarterly dividend was increased by $0.01 to $0.32 per share for Q4 2025.
Oct 28, 2025, 3:00 PM
EFSC Reports Q3 2025 Earnings, Loan and Deposit Growth, and Acquisition Impact
EFSC
Earnings
M&A
Guidance Update
- EFSC reported $1.19 per diluted share for Q3 2025, with net interest income improving by $5.5 million and net interest margin expanding by two basis points to 4.23%.
- The company achieved an annualized loan growth of 6% and client deposit growth of $241 million in the linked quarter. A recent acquisition of 12 branches added approximately $650 million in deposits and $300 million in loans, and is projected to be five basis points accretive to net interest margin in Q4.
- Non-performing assets increased by $22 million to 83 basis points of total assets, largely due to a $12 million life insurance premium finance loan and $68.4 million in commercial real estate loans, which management expects to fully collect. The quarter's results also included a $24 million recapture of solar tax credits, offset by an anticipated $30 million insurance recovery.
- Capital metrics remained strong, with the tangible common equity ratio at 9.6% and the CET1 ratio at a historical high of 12%. The quarterly dividend was increased by $0.01 to $0.32 per share for Q4 2025.
Oct 28, 2025, 3:00 PM
Enterprise Financial Services Corp Reports Third Quarter 2025 Results
EFSC
Earnings
Dividends
M&A
- Enterprise Financial Services Corp reported net income of $45.2 million and diluted earnings per common share of $1.19 for the third quarter of 2025.
- Net interest income increased to $158.3 million, a $5.5 million increase from the linked quarter, with a Net Interest Margin (NIM) of 4.23%.
- The company reported solid growth in its portfolio, with total loans reaching $11.6 billion (a $174.3 million quarterly increase) and total deposits growing to $13.6 billion (a $250.6 million quarterly increase).
- Third quarter results included $30.1 million in anticipated insurance proceeds from a pending claim related to a solar tax credit recapture event, which impacted noninterest income and income tax expense.
- The Board of Directors approved an increase in the quarterly common stock dividend by $0.01 to $0.32 per share for the fourth quarter of 2025.
Oct 27, 2025, 8:06 PM
Quarterly earnings call transcripts for ENTERPRISE FINANCIAL SERVICES.
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