NASDAQ : EFSC
Enterprise Financial Services Corp — Financial statements
Financials · Banks - Regional · United States
Last price 61.81 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 2.21B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 762.11M | 754.46M | 754.93M | 687.85M | 456.01M | 348.62M |
| Interest Income on Investments | 162.80M | 133.95M | 96.12M | 77.07M | 59.08M | 34.62M |
| Total Interest Income | 924.91M | 888.41M | 851.05M | 764.92M | 515.08M | 383.23M |
| Interest Paid on Deposits | 228.67M | 241.10M | 264.61M | 183.72M | 30.16M | 10.67M |
| Interest Paid on Borrowings | 18.60M | 20.57M | 18.35M | 18.60M | 11.02M | 12.37M |
| Total Interest Expense | 247.27M | 261.67M | 282.95M | 202.33M | 41.18M | 23.04M |
| Net Interest Income | 677.64M | 626.74M | 568.10M | 562.59M | 473.90M | 360.19M |
| Trust Income | 11.02M | 10.46M | 10.45M | 10.03M | 10.01M | 10.26M |
| Gain (Loss) on Sale of Investments | -5.99M | |||||
| Other Non-Interest Income | 48.70M | 43.48M | 31.95M | 32.94M | 28.27M | 34.03M |
| Total Non-Interest Income | 74.95M | 73.31M | 60.75M | 59.53M | 56.60M | 59.72M |
| Revenues Before Loan Losses | 752.60M | 700.05M | 628.85M | 622.12M | 530.51M | 419.91M |
| Provision for Loan Losses | 48.80M | 26.34M | 21.51M | 36.60M | -611.00K | 13.38M |
| Revenue | 703.80M | 673.72M | 607.34M | 585.52M | 531.12M | 406.52M |
| Salaries and Employee Benefits | 194.60M | 185.18M | 171.84M | 154.42M | 139.02M | 118.89M |
| Selling, General & Administrative | 70.41M | 63.49M | 54.03M | 47.59M | 46.24M | 38.83M |
| Other Non-Interest Expense | 196.27M | 169.77M | 150.22M | 136.98M | 86.40M | 54.65M |
| Total Non-Interest Expense | 461.28M | 418.44M | 376.09M | 338.99M | 271.66M | 212.37M |
| EBT Excluding Unusual Items | 242.53M | 255.28M | 231.24M | 246.53M | 259.46M | 194.16M |
| Pretax Income | 239.98M | 283.72M | 231.24M | 246.53M | 259.46M | 168.63M |
| Income Tax Expense | 52.45M | 82.34M | 45.98M | 52.47M | 56.42M | 35.58M |
| Net Income | 187.53M | 201.37M | 185.27M | 194.06M | 203.04M | 133.06M |
| Preferred Dividends & Other Adjustments | 3.75M | 3.75M | 3.75M | 3.75M | 4.04M | |
| Net Income to Common | 183.78M | 197.62M | 181.52M | 190.31M | 199.00M | 133.06M |
| Basic Shares Outstanding | 36.60M | 36.99M | 37.36M | 37.37M | 37.38M | 34.44M |
| Diluted Shares Outstanding | 36.83M | 37.24M | 37.57M | 37.51M | 37.50M | 34.50M |
| EPS (Basic) | 5.02 | 5.34 | 4.86 | 5.09 | 5.32 | 3.86 |
| EPS (Diluted) | 4.99 | 5.31 | 4.83 | 5.07 | 5.31 | 3.86 |
| Dividend Per Share | 1.34 | 1.22 | 1.06 | 1.00 | 0.90 | 0.75 |
| Effective Tax Rate | 21.86% | 29.02% | 19.88% | 21.28% | 21.74% | 21.10% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 487.87M | 681.90M | 764.17M | 433.03M | 291.36M | 2.01B |
| Investment Securities | 1.95B | 2.09B | 1.83B | 1.73B | 1.64B | 1.34B |
| Trading Asset Securities | 15.36M | 12.48M | 15.14M | 17.79M | 20.61M | 12.87M |
| Mortgage-Backed Securities | 1.92B | 1.71B | 1.03B | 700.38M | 659.40M | 513.86M |
| Total Investments | 3.88B | 3.81B | 2.87B | 2.45B | 2.32B | 1.86B |
| Gross Loans | 12.35B | 11.80B | 11.22B | 10.89B | 9.74B | 9.03B |
| Allowance for Loan Losses | -144.52M | -140.02M | -137.95M | -134.77M | -136.93M | -145.04M |
| Other Adjustments to Gross Loans | -2.62M | -755.00K | -463.00K | -4.23M | -7.29M | -9.14M |
| Net Loans | 12.20B | 11.66B | 11.08B | 10.75B | 9.60B | 8.87B |
| Property, Plant & Equipment | 56.82M | 83.02M | 67.77M | 68.09M | 60.34M | 61.40M |
| Goodwill | 416.97M | 416.97M | 365.16M | 365.16M | 365.16M | 365.16M |
| Other Intangible Assets | 16.95M | 21.18M | 8.48M | 12.32M | 16.92M | 22.29M |
| Loans Held for Sale | 202.00K | 928.00K | 110.00K | 359.00K | 1.23M | 6.39M |
| Accrued Interest Receivable | 63.40M | 58.30M | 52.40M | 66.70M | 48.10M | 30.60M |
| Restricted Cash | 14.60M | |||||
| Long-Term Deferred Tax Assets | 59.33M | 85.36M | 76.71M | 88.96M | 40.89M | |
| Other Real Estate Owned & Foreclosed | 95.58M | 81.54M | 3.96M | 5.74M | 269.00K | 3.49M |
| Other Long-Term Assets | 557.16M | 413.14M | 285.60M | 284.60M | 243.47M | 237.40M |
| Total Assets | 17.79B | 17.30B | 15.60B | 14.52B | 13.05B | 13.54B |
| Interest Bearing Deposits | 10.08B | 9.45B | 8.39B | 7.98B | 6.19B | 6.77B |
| Institutional Deposits | 289.90M | 268.20M | 234.60M | |||
| Non-Interest Bearing Deposits | 5.04B | 4.87B | 4.48B | 3.96B | 4.64B | 4.58B |
| Total Deposits | 15.13B | 14.61B | 13.15B | 12.18B | 10.83B | 11.34B |
| Short-Term Borrowings | 176.22M | 302.90M | 263.31M | 266.38M | 21.58M | 15.79M |
| Current Portion of Leases | 7.65M | |||||
| Long-Term Debt | 36.20M | 94.94M | 36.20M | 47.63M | 324.12M | 353.86M |
| Federal Home Loan Bank Debt, Long-Term | 64.00M | 100.00M | 50.00M | |||
| Long-Term Leases | 19.49M | 26.15M | 28.64M | 18.04M | 14.87M | |
| Trust Preferred Securities | 258.41M | 93.69M | 156.55M | 155.98M | 155.43M | 154.90M |
| Other Long-Term Liabilities | 213.38M | 133.50M | 143.72M | 127.52M | 83.59M | 75.02M |
| Total Liabilities | 15.88B | 15.26B | 13.77B | 12.80B | 11.53B | 12.01B |
| Preferred Stock, Non-Redeemable | 71.99M | 71.99M | 71.99M | 71.99M | 71.99M | 71.99M |
| Total Preferred Equity | 71.99M | 71.99M | 71.99M | 71.99M | 71.99M | 71.99M |
| Common Stock | 358.00K | 370.00K | 370.00K | 374.00K | 373.00K | 398.00K |
| Additional Paid-In Capital | 976.90M | 1.00B | 990.73M | 995.21M | 982.66M | 1.02B |
| Retained Earnings | 1.06B | 1.02B | 877.63M | 749.51M | 597.57M | 492.68M |
| Treasury Stock | -73.53M | |||||
| Comprehensive Income & Other | -196.83M | -54.59M | -116.72M | -101.02M | -130.33M | 18.78M |
| Total Common Equity | 1.85B | 1.97B | 1.75B | 1.64B | 1.45B | 1.46B |
| Shareholders' Equity | 1.92B | 2.04B | 1.82B | 1.72B | 1.52B | 1.53B |
| Total Liabilities & Equity | 17.79B | 17.30B | 15.60B | 14.52B | 13.05B | 13.54B |
| Total Debt | 534.84M | 518.66M | 482.21M | 498.63M | 619.17M | 589.42M |
| Net Cash (Debt) | -30.93M | 176.62M | 298.98M | -43.96M | -299.17M | 1.44B |
| Net Cash Per Share | -0.84 | 4.74 | 7.96 | -1.17 | -7.98 | 41.67 |
| Filing Date Shares Outstanding | 35.68M | 36.82M | 36.98M | 37.47M | 37.28M | 37.82M |
| Total Common Shares Outstanding | 35.77M | 36.97M | 36.99M | 37.42M | 37.25M | 37.82M |
| Book Value Per Share | 51.58 | 53.22 | 47.37 | 43.94 | 38.93 | 38.53 |
| Tangible Book Value | 1.41B | 1.53B | 1.38B | 1.27B | 1.07B | 1.07B |
| Tangible Book Value Per Share | 39.45 | 41.37 | 37.27 | 33.85 | 28.67 | 28.28 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 187.53M | 201.37M | 185.27M | 194.06M | 203.04M | 133.06M |
| Depreciation & Amortization | 14.60M | 11.43M | 10.07M | 11.34M | 14.01M | 14.15M |
| Gain (Loss) on Sale of Assets | -4.86M | -6.25M | -3.09M | -233.00K | 39.00K | -931.00K |
| Gain (Loss) on Sale of Investments | 5.08M | 3.68M | 4.09M | 3.40M | 5.64M | 7.34M |
| Total Asset Writedown | 3.44M | |||||
| Provision for Credit Losses | 48.80M | 26.34M | 21.51M | 36.60M | -611.00K | 13.38M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 661.00K | -603.00K | 379.00K | 975.00K | 5.54M | 4.19M |
| Change in Other Net Operating Assets | -37.74M | -50.25M | 23.35M | 8.71M | -19.98M | -17.26M |
| Other Operating Activities | 5.42M | -6.38M | -5.49M | 1.48M | 688.00K | -1.68M |
| Operating Cash Flow | 242.74M | 193.51M | 247.40M | 268.24M | 216.64M | 160.57M |
| Capital Expenditures | -7.30M | -11.98M | -7.47M | -6.56M | -1.93M | -2.50M |
| Sale of Property, Plant and Equipment | 939.00K | 357.00K | 1.70M | |||
| Cash Acquisitions | 277.29M | 277.04M | 212.64M | |||
| Investment in Securities | -491.49M | -875.24M | -436.47M | -114.40M | -665.73M | -387.44M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -640.81M | -402.34M | -373.13M | -1.19B | -722.68M | 138.46M |
| Other Investing Activities | 4.63M | -70.38M | 8.72M | 5.66M | 2.33M | 9.82M |
| Investing Cash Flow | -839.52M | -1.08B | -796.87M | -1.31B | -1.38B | -23.11M |
| Short-Term Debt Issued | 100.00M | |||||
| Long-Term Debt Issued | 111.42M | 59.92M | ||||
| Total Debt Issued | -42.74M | 111.42M | 100.00M | 59.92M | ||
| Short-Term Debt Repaid | -100.00M | -160.00M | ||||
| Long-Term Debt Repaid | -67.77M | -17.01M | -26.29M | -79.74M | -57.14M | |
| Total Debt Repaid | -123.37M | -67.77M | -17.01M | -126.29M | -79.74M | -217.14M |
| Net Debt Issued (Repaid) | -166.11M | 43.65M | -17.01M | -126.29M | 20.26M | -157.22M |
| Repurchase of Common Stock | -87.59M | -14.14M | -29.64M | -32.92M | -60.59M | |
| Preferred Stock Issued | 75.00M | |||||
| Common Dividends Paid | -48.84M | -45.09M | -39.55M | -37.37M | -33.60M | -26.15M |
| Preferred Dividends Paid | -3.75M | -3.75M | -3.75M | -3.75M | -4.04M | |
| Total Dividends Paid | -52.59M | -48.84M | -43.30M | -41.12M | -37.64M | -26.15M |
| Net Increase (Decrease) in Deposit Accounts | 917.33M | 821.13M | 970.12M | 1.35B | -514.65M | 1.52B |
| Other Financing Activities | 1.67M | 1.38M | 440.00K | 1.40M | 1.77M | -2.50M |
| Financing Cash Flow | 612.70M | 803.17M | 880.61M | 1.18B | -563.19M | 1.35B |
| Net Cash Flow | 15.92M | -82.27M | 331.14M | 141.67M | -1.73B | 1.48B |
| Free Cash Flow | 235.44M | 181.53M | 239.93M | 261.68M | 214.71M | 158.07M |
| Free Cash Flow Margin | 33.45% | 26.95% | 39.50% | 44.69% | 40.43% | 38.88% |
| Free Cash Flow Per Share | 6.39 | 4.88 | 6.39 | 6.98 | 5.73 | 4.58 |
| Cash Interest Paid | 245.41M | 260.02M | 284.36M | 195.39M | 40.74M | 23.96M |
| Cash Income Tax Paid | 72.90M | 82.87M | 28.14M | 50.12M | 46.01M | 56.84M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.27B | 2.00B | 2.09B | 1.67B | 1.82B | 1.81B |
| Last Close Price | 61.81 | 53.09 | 54.25 | 41.96 | 44.95 | 42.40 |
| PE Ratio | 12.75 | 10.11 | 11.54 | 8.77 | 9.16 | 13.58 |
| PS Ratio | 3.13 | 2.97 | 3.45 | 2.85 | 3.43 | 4.45 |
| PB Ratio | 1.20 | 0.98 | 1.15 | 0.97 | 1.20 | 1.18 |
| P/FCF Ratio | 9.37 | 11.01 | 8.73 | 6.38 | 8.49 | 11.43 |
| P/OCF Ratio | 9.09 | 10.33 | 8.46 | 6.22 | 8.41 | 11.25 |
| Debt / Equity Ratio | 0.28 | 0.25 | 0.26 | 0.29 | 0.41 | 0.39 |
| Debt / FCF Ratio | 2.27 | 2.86 | 2.01 | 1.91 | 2.88 | 3.73 |
| Net Debt / Equity Ratio | 0.02 | -0.09 | -0.16 | 0.03 | 0.20 | -0.94 |
| Net Debt / FCF Ratio | 0.13 | -0.97 | -1.25 | 0.17 | 1.39 | -9.09 |
| Return on Equity (ROE) | 9.62% | 10.42% | 10.47% | 11.98% | 13.31% | 10.20% |
| Return on Assets (ROA) | 1.10% | 1.22% | 1.23% | 1.41% | 1.53% | 1.14% |
| Earnings Yield | 7.84% | 10.08% | 8.85% | 11.62% | 11.14% | 7.36% |
| FCF Yield | 10.67% | 9.08% | 11.46% | 15.68% | 11.78% | 8.75% |
| Dividend Yield | 2.26% | 2.26% | 1.87% | 2.24% | 1.84% | 1.57% |
| Payout Ratio | 27.64% | 24.25% | 23.37% | 21.19% | 18.54% | 19.66% |
| Buyback Yield / Dilution | 1.42% | 0.87% | -0.16% | -0.02% | -8.71% | -27.82% |
| Total Shareholder Return | 3.75% | 3.13% | 1.71% | 2.22% | -6.87% | -26.25% |