Inferra AI / Company / EFSC
Enterprise Financial Services Corp
EFSC · Financials
Last earnings Oct 21, 2026
Key results
Net incomequarter
$45.2 million
Net income of $45.2 million, or $1.19 per diluted common share, compared to $1.36 in the linked quarter and $1.32 in the prior year quarter Net interest margin ( NIM ) of 4.23%, quarterly increase of 2 basis points Net interest income of $158.3 million, quarterly increase of $5.5 million Total loans of $11.6 billion
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Highlights Earnings - Net income in the third quarter 2025 was $45.2 million, a decrease of $6.1 million and $5.4 million compared to the linked and prior year quarters, respectively.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Adjusted EPSquarter
$1.20
Adjusted diluted earnings per share 1 was $1.20 in the third quarter 2025, compared to $1.37 and $1.29 in the linked and prior year quarters, respectively.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Revenuequarter
$65.6 million
Pre-provision net revenue ( PPNR ) 2 - PPNR of $65.6 million in the third quarter 2025 decreased $2.5 million from the linked quarter and was relatively stable with the prior year quarter.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
AI analysis
Q3 2025 · reported Oct 27, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $45.2 million | — | — |
| Adjusted EPS | $1.20 | — | — |
| Revenue | $65.6 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
On September 2, 2025, the Company redeemed $63.3 million of subordinated debt that had a floating rate of three-month Term SOFR plus a spread of 5.66%.
Event summary
Our third quarter results demonstrated solid loan and deposit growth, along with continued expansion in net interest income and net interest margin
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
On September 2, 2025, the Company redeemed $63.3 million of subordinated debt that had a floating rate of three-month Term SOFR plus a spread of 5.66%.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The Company s Board of Directors (the Board ) approved a quarterly dividend of $0.32 per share of common stock, payable on December 31, 2025 to stockholders of record as of December 15, 2025.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The Board also declared a cash dividend of $12.50 per share of Series A Preferred Stock (or $0.3125 per depositary share) representing a 5% per annum rate for the period commencing (and including) September 15, 2025 to (but excluding) December 15, 2025.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The dividend will be payable on December 15, 2025 to holders of record of Series A Preferred Stock as of November 28, 2025.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
On September 2, 2025, the Company called $63.3 million of subordinated debt at a floating rate of three-month Term SOFR plus a spread of 5.66% that was replaced by a $63.3 million single advance term loan.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The term loan is payable in quarterly installments on March 31, June 30, September 30 and December 31 with a final installment due on the five year anniversary of the initial advance date.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Strategy & priorities
Our third quarter results demonstrated solid loan and deposit growth, along with continued expansion in net interest income and net interest margin.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Such forward-looking statements are based on management s current expectations and beliefs concerning future developments and their potential effects on the Company including, without limitation, plans, strategies and goals, and statements about the Company s expectations regarding revenue and asset growth, financial performance and profitability, loan and deposit growth, liquidity, yields and returns, loan diversification and credit management, stockholder value creation and the impact of acquisitions.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Such forward-looking statements may include projections based on management s current expectations and beliefs concerning future developments and their potential effects on the Company including, without limitation, plans, strategies and goals, and statements about the Company s expectations regarding revenue and asset growth, financial performance and profitability, loan and deposit growth, liquidity, yields and returns, loan diversification and credit management, stockholder value creation and the impact of acquisitions.
SEC original ↗Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025
Regulatory Capital 10.0% 14.8% 14.6% 14.7% 14.7% 14.4% 6.5% 11.9% 11.8% 11.8% 11.9% 12.0% CET1 Tier 1 Total Risk Based Capital Minimum "Well Capitalized" Ratio 3Q24 4Q24 1Q25 2Q25 3Q25 8.0% 13.2% 13.1% 13.1% 13.2% EFSC Capital Strategy: Low Cost - Highly Flexible High Capital Retention Rate Strong earnings profile Sustainable dividend profile Supporting Robust Asset Growth Organic loan and deposit growth High quality M&A to enhance commercial franchise and geographic diversification Maintain High Quality Capital Stack Minimize WACC over time (preferred, sub debt, etc.
SEC original ↗Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025
Risks & headwinds
Litigation resulting from a business dispute between the owners of the entities resulted in all of the SPE Borrowers filing bankruptcy in the first quarter of 2025, which was subsequently dismissed.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Forward-looking statements are subject to numerous assumptions, risks and uncertainties, which change over time.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Because forward-looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in the forward-looking statements and future results could differ materially from historical performance.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
federal government measures to address higher inflation), impacts of trade and tariff policies, U.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The Company cautions that the preceding list is not exhaustive of all possible risk factors and other factors could also adversely affect the Company s results.
SEC original ↗Enterprise Financial Services Corp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Earnings deck slides
0 decks with slide viewEnterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Enterprise Financial Services Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
32 documentsEarnings releases
7 documentsPresentations
10 documents
Transcripts
0 documentsNo transcripts for Enterprise Financial Services Corp are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.