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EFSC

Enterprise Financial Services Corp

EFSC

Enterprise Financial Services Corp • NASDAQ
$54.61 ▼ -0.73% (-0.40)
Market Cap $2.02 B
52w High $62.60
52w Low $45.22
Dividend Yield 1.28%
P/E 10.65
Volume 53.12K
Outstanding Shares 37.01M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $243.707M ▲ $79.483M ▲ $45.235M ▼ 18.561% ▼ $1.2 ▼ $91.26M ▲
Q2-2025 $209.355M ▲ $75.486M ▲ $51.384M ▲ 24.544% ▼ $1.36 ▲ $66.981M ▲
Q1-2025 $201.639M ▼ $71.159M ▲ $49.961M ▲ 24.777% ▲ $1.33 ▲ $63.42M ▲
Q4-2024 $205.002M ▼ $68.512M ▼ $48.834M ▼ 23.821% ▼ $1.29 ▼ $63.014M ▼
Q3-2024 $208.476M $68.759M $50.585M 24.264% $1.33 $65.3M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.12B ▲ $16.402B ▲ $14.42B ▲ $1.982B ▲
Q2-2025 $2.01B ▲ $16.076B ▲ $14.153B ▲ $1.923B ▲
Q1-2025 $1.811B ▲ $15.677B ▲ $13.809B ▲ $1.868B ▲
Q4-2024 $875.367M ▼ $15.596B ▲ $13.772B ▲ $1.824B ▼
Q3-2024 $2.214B $14.954B $13.122B $1.832B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $45.235M ▼ $49.364M ▼ $-315.809M ▲ $246.88M ▼ $-19.565M ▼ $47.121M ▼
Q2-2025 $51.384M ▲ $61.287M ▲ $-366.53M ▼ $315.093M ▲ $9.85M ▲ $58.967M ▲
Q1-2025 $49.961M ▲ $40.022M ▼ $-365.743M ▼ $43.221M ▼ $-282.5M ▼ $35.621M ▼
Q4-2024 $48.834M ▼ $51.977M ▼ $-333.108M ▼ $618.921M ▲ $337.79M ▲ $50.096M ▼
Q3-2024 $50.585M $89.026M $-283.192M $227.771M $33.605M $88.173M

Five-Year Company Overview

Income Statement

Income Statement EFSC’s income statement shows a bank that has grown steadily over the past several years and maintained solid profitability. Revenue has climbed consistently, suggesting success in expanding its lending and fee-based activities. Profit levels have remained healthy, even as earnings per share have flattened a bit more recently, which can happen when a bank grows its balance sheet, integrates acquisitions, or faces higher funding and operating costs. Overall, EFSC appears to be a mature, consistently profitable regional bank rather than a volatile, boom‑and‑bust story. The main thing to watch going forward is whether it can keep growing earnings faster than its costs in a more challenging interest‑rate and credit environment.

Balance Sheet

Balance Sheet The balance sheet reflects a steadily growing bank with rising total assets and a thicker equity cushion over time. Debt levels look quite manageable relative to the size of the institution, indicating a conservative capital structure for a regional bank. Cash balances have moved around from year to year, which is typical for banks as they respond to funding conditions and loan demand, but current liquidity appears reasonable. The key positives are the growth in equity and scale; the main risk to monitor is asset quality—whether loan performance stays solid as the economy and interest‑rate cycle evolve, since that is what ultimately protects the balance sheet.

Cash Flow

Cash Flow Cash flow trends are stable and reassuring. EFSC regularly generates more cash from its core operations than it spends on investments, leaving room for business growth, technology upgrades, and shareholder returns. Free cash flow has been consistently positive, and capital spending needs appear modest, which is common for a bank that does not require heavy physical infrastructure. The main watchpoint is that banking cash flows can shift quickly if funding costs rise or credit conditions worsen, so the current steady pattern is a strength but not something to take for granted.

Competitive Edge

Competitive Edge EFSC operates as a niche‑focused regional bank, concentrating on privately held businesses and their owners rather than trying to serve every type of customer. That specialization, combined with a relationship‑driven service model, gives it an edge with clients who value tailored advice and a stable banking partner. Its portfolio of specialized lending areas—such as small‑business government‑backed loans, premium finance, and tax‑credit lending—helps diversify its income and differentiate it from more generic regional banks. Geographic diversification across several attractive markets further reduces reliance on any one local economy. The flip side is that it still competes with much larger national banks and nimble fintechs, so preserving its niche identity and service quality is critical to maintaining this advantage.

Innovation and R&D

Innovation and R&D While EFSC does not do “R&D” in the way a tech company might, it has been investing meaningfully in innovation for a bank of its size. It offers a robust digital platform for business clients, including online and mobile banking, remote deposit, payment tools, real‑time alerts, and advanced treasury management services. The recent core system conversion is a major foundational upgrade that should support faster product development, better data use, and improved efficiency if executed well. Beyond technology, programs like “Enterprise University” show a creative approach to deepening client relationships by offering education and advisory value, not just transactions. The opportunity is to turn this upgraded technology and unique programming into more scalable growth; the risk is operational disruption or slower‑than‑expected payoff from these investments.

Summary

EFSC looks like a disciplined, niche‑oriented regional bank with a track record of steady growth and solid profitability. Its focus on privately held businesses, specialized lending segments, and relationship‑based service gives it a clear identity and some protection from pure price competition. Financially, it has grown its asset base, strengthened its equity position, and produced consistent operating and free cash flow, all signs of a relatively conservative and well‑managed institution. At the same time, earnings momentum has leveled off somewhat, and the bank faces the usual sector risks: credit quality in a changing economy, pressure on margins from interest‑rate shifts, ongoing technology demands, and the complexity of acquisitions and expansion. Overall, EFSC combines a focused strategy and healthy financial profile with the typical uncertainties that come with being a growing regional bank in a fast‑evolving competitive and regulatory landscape.

NEWS

October 27, 2025 · 4:05 PM UTC

Enterprise Financial Services Corp Reports Third Quarter 2025 Results

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October 14, 2025 · 10:00 AM UTC

Enterprise Bank & Trust Announces Completion of Branch Acquisition with First Interstate Bank

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October 3, 2025 · 4:05 PM UTC

Enterprise Financial Services Corp Announces Third Quarter 2025 Earnings Release and Conference Call

Read more