ENTERPRISE FINANCIAL SERVICES CORP (EFSC) Enterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corporate clients. The company's core deposit offerings encompass checking, savings, and money market accounts, alongside certificates of deposit. On the lending side, EFSC extends a broad portfolio of credit facilities, including commercial and industrial loans, commercial real estate financing, construction and land development loans, residential real estate mortgages, agricultural loans, and consumer credit. Beyond traditional banking, the firm provides specialized business services such as treasury management and international trade support. It also operates a unique tax credit brokerage service, assisting clients with the acquisition and subsequent sale of tax credits. For wealth management, EFSC offers financial and estate planning, investment management, and trust services, catering to businesses, private individuals, institutions, retirement plans, and non-profit organizations. Additionally, its extensive service catalog includes fiduciary duties, expert financial advisory, merchant processing solutions, and various debit and credit card options. The company further embraces modern technology, offering international banking, insurance products, and digital platforms like internet and mobile banking. Operational efficiencies are supported by remote deposit capture, positive pay systems, robust fraud detection and prevention tools, automated payable services, and comprehensive check and statement/document imaging capabilities. Complementing these, its cash management products feature controlled disbursements, repurchase agreements, and sweep investment accounts. Geographically, Enterprise Financial Services Corp maintains a physical presence with banking branches and administrative offices in key markets across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Moreover, it operates a network of specialized SBA loan production offices and deposit production offices in numerous other states. Founded in 1988, Enterprise Financial Services Corp is headquartered in Clayton, Missouri.
Sector: State Commercial Banks
Industry: Banks - Regional
Enterprise Financial Services Corp NASDAQ:EFSC Financial Services · Banks - Regional
Mkt Cap $2.22B
Div Yield 2.18%
AH Close $61.60 +0.41%vs close AH Close $61.60 +0.41% vs close
Mkt Cap $2.22B
Div Yield 2.18%
All Press Release SEC Filings News
Press Release ⚠ 4
Enterprise Financial Services Corp Reports Third Quarter 2026 Results
EFSC reported Q3 2026 net income of $42.4 million, or $1.14 per diluted share, up from $1.09 in the linked quarter but down from $1.19 a year ago; adjusted diluted EPS was $1.17.
Net interest income rose $5.9 million sequentially to $174.6 million with NIM stable at 4.30%, while loans grew $452.3 million to $12.3 billion and deposits rose $624.4 million to $15.1 billion.
Credit costs are rising: the provision jumped to $18.1 million from $8.4 million a year ago and nonperforming assets climbed to 1.03% of total assets, driven by a $15.5 million CRE foreclosure and new agricultural and C&I nonaccruals.
The bank still returned $46.5 million to shareholders via $34.0 million of buybacks at an average $64.74 and $12.5 million in dividends, and raised the quarterly dividend $0.01 to $0.36 for Q4 2026.
• 4d ago AI analysis › Press Release
Enterprise Financial Services Corp Announces Third Quarter 2026 Earnings Release and Conference Call
Enterprise Financial Services Corp (Nasdaq: EFSC) will release its third quarter 2026 financial results on Wednesday, October 21, 2026.
The company will host a conference call and webcast at 10:00 a.m. CT on Thursday, October 22, 2026, with pre-registration available and a replay posted for at least two weeks.
EFSC is a financial holding company with approximately $17.4 billion in assets, headquartered in Clayton, Missouri; this release contains no earnings figures or guidance.
• 16d ago AI analysis › News
Enterprise Financial Services (EFSC) Could Be a Great Choice
zacks.com • 19d ago SEC Filing ⚠ 1
EFSC: 8-K · leadership change
Enterprise Financial Services Corp filed an 8-K disclosing that director Sandra A. Van Trease resigned from the boards of the company and its wholly-owned subsidiary Enterprise Bank & Trust, effective August 19, 2026.
Ms. Van Trease chaired the Nominating and Governance Committee and served on the Audit, Human Capital and Compensation, and Executive Committees of the company's board.
She stated the resignation was not the result of any disagreement with management or the boards, and no successor was named in the filing. The report contains no financial figures, making this a routine governance event for the St. Louis-based bank holding company.
SEC 8-K • 2mo ago AI analysis › SEC Filing ⚠ 4
EFSC: 10-Q · periodic report
Enterprise Financial Services Corp reported second quarter 2026 net income of $40.9 million, a decrease from $51.4 million in the prior year quarter. The decline was primarily driven by a higher provision for credit losses of $14.2 million, compared to $3.5 million in the prior year quarter, largely due to specific charge-offs in C&I and Sponsor Finance relationships. Net interest income increased to $168.7 million, benefitting from higher yields, while noninterest income fell to $13.5 million due to lower tax credit income and investment security losses.
The company's balance sheet expanded to $17.4 billion in total assets, supported by the issuance of $175 million in 6.25% fixed-to-floating rate subordinated notes due 2036 to bolster capital. Total loans grew by 1% to $11.9 billion, and deposits decreased by 1% to $14.5 billion. The company also repaid the full $56.5 million outstanding balance on its 2025 Term Loan.
Despite the earnings decline, the Board of Directors authorized the repurchase of up to 2 million additional shares of common stock and declared a quarterly dividend of $0.35 per share. Asset quality remained stable with a nonperforming asset ratio of 0.92% and the ACL on loans to total loans ratio at 1.17%.
SEC 10-Q • 2mo ago AI analysis › SEC Filing
EFSC: 8-K · other
Enterprise Financial Services Corp filed a current report to furnish an investor presentation detailing its second quarter 2026 performance and strategic outlook. The company reported total assets of $17.4 billion and a tangible common equity ratio of 9.04%. Net interest margin improved to 4.29% while adjusted return on average tangible common equity reached 11.7% year-to-date.
Management emphasized capital deployment through the repurchase of approximately 382,000 shares for $22.9 million during the quarter. The Board also authorized an additional 2 million shares for future repurchases and issued $175 million in subordinated notes.
The presentation highlighted a diversified loan portfolio of $11.9 billion and total deposits of $14.5 billion, supporting a disciplined growth strategy focused on commercial banking and specialty lending.
SEC 8-K • 2mo ago News
Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings Call Transcript
seekingalpha.com • 3mo ago News
Enterprise Financial Services Q2 Earnings Call Highlights
marketbeat.com • 3mo ago News
Enterprise Financial Services (EFSC) Q2 Earnings and Revenues Miss Estimates
zacks.com • 3mo ago News
Compared to Estimates, Enterprise Financial Services (EFSC) Q2 Earnings: A Look at Key Metrics
zacks.com • 3mo ago Press Release ⚠ 4
Enterprise Financial Services Corp Reports Second Quarter 2026 Results
Enterprise Financial Services Corp reported second quarter net income of $40.9 million, or $1.09 per share, a decrease from both the linked and prior year quarters driven by elevated credit costs.
Net interest margin improved two basis points to 4.30%, but asset quality weakened as the provision for credit losses nearly doubled sequentially to $14.2 million and net charge-offs totaled $13.6 million.
The company returned $22.9 million to shareholders through buybacks and increased the quarterly dividend by $0.01 to $0.35, while also issuing $175 million in subordinated notes to bolster capital.
• 3mo ago AI analysis › News
Analysts Estimate Enterprise Financial Services (EFSC) to Report a Decline in Earnings: What to Look Out for
zacks.com • 3mo ago Press Release
Enterprise Financial Services Corp Announces Second Quarter 2026 Earnings Release and Conference Call
Enterprise Financial Services Corp will release its second quarter 2026 financial results on Wednesday, July 22, 2026.
A conference call to discuss the results is scheduled for 10:00 a.m. CT on Thursday, July 23, accessible via dial-in or webcast.
Pre-registration is available for the call, and a replay will be accessible on the company's website for at least two weeks following the event.
• 3mo ago AI analysis › News
Why Enterprise Financial Services (EFSC) is a Great Dividend Stock Right Now
zacks.com • 3mo ago SEC Filing
EFSC: 8-K · debt financing
Enterprise Financial Services Corp completed the issuance and sale of $175 million aggregate principal amount of its 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036. The notes were sold under a registration statement on Form S-3, with net proceeds of approximately $172.8 million intended for general corporate purposes including repayment of indebtedness and organic growth.
The notes bear interest at a fixed rate of 6.25% until July 1, 2031, after which the rate becomes floating based on Three-Month Term SOFR plus 232 basis points. The offering was managed by representatives Keefe, Bruyette & Woods, Inc. and Raymond James & Associates, Inc.
SEC 8-K • 4mo ago AI analysis › SEC Filing ⚠ 3
EFSC: 424B5 · prospectus supplement
Enterprise Financial Services Corp filed a preliminary prospectus supplement for an offering of Fixed-to-Floating Rate Subordinated Notes due 2036. The specific terms, including the aggregate principal amount and interest rates, are currently redacted in this 'Subject to Completion' filing.
The notes will bear a fixed interest rate for the first five years, transitioning to a floating rate based on Three-Month Term SOFR plus a spread thereafter. They are intended to qualify as Tier 2 regulatory capital for the company's bank subsidiary, Enterprise Bank & Trust.
As of March 31, 2026, the company reported total assets of $17.2 billion and total deposits of $14.5 billion. The proceeds from the offering will be used for general corporate purposes, including potential acquisitions, organic growth, and regulatory capital investments.
SEC 424B5 • 4mo ago AI analysis › News
Enterprise Financial Services (EFSC) Could Be a Great Choice
zacks.com • 4mo ago SEC Filing ⚠ 4
EFSC: 8-K · other
Enterprise Financial Services Corp (EFSC) reported Q1 2026 net income of $49.4 million, or $1.30 per diluted share, down from $54.8 million ($1.45 EPS) in Q1 2025. The decline was driven by a $2.0 million drop in net interest income to $166.1 million, reflecting margin compression and purchase accounting accretion, though the net interest margin remained stable at 4.28%.
Total assets stood at $17.2 billion, with loans at $11.7 billion and deposits at $14.5 billion. The bank maintained a strong capital position with a CET1 ratio of 11.7% and tangible common equity to tangible assets of 9.01%. Credit quality remained robust, with nonperforming loans at 0.56% of total loans and net charge-offs of just $4.4 million.
Post-quarter, EFSC repurchased approximately 300,000 shares for $17.8 million and repositioned its investment portfolio, selling $179 million of lower-yielding securities to improve net interest margin by an estimated 2 basis points. Enterprise Bank & Trust also became a member of the Federal Reserve System, transitioning its primary regulator from the FDIC to the Federal Reserve Board.
SEC 8-K • 4mo ago News
Enterprise Financial Services Corp (EFSC) Shares Surge 3.4% -- What GF Score of 71 Tells Investors
gurufocus.com • 4mo ago News
Enterprise Financial Services (EFSC) Could Be a Great Choice
zacks.com • 5mo ago SEC Filing
EFSC: 8-K · proxy statement
Enterprise Financial Services Corp (EFSC) reported the voting results from its annual meeting of stockholders held on May 13, 2026. All twelve director nominees were elected to serve one-year terms expiring in 2027, with no contested elections or significant withholdings indicating governance dissent.
The stockholders also ratified the appointment of Deloitte & Touche LLP as the independent registered public accounting firm for fiscal year 2026, with over 31.5 million votes in favor. Additionally, the advisory non-binding vote to approve executive compensation (say-on-pay) was approved, receiving approximately 28.1 million votes for and 890,000 votes against.
SEC 8-K • 5mo ago News
Compared to Estimates, Enterprise Financial Services (EFSC) Q1 Earnings: A Look at Key Metrics
zacks.com • 6mo ago News
Enterprise Financial Services (EFSC) Q1 Earnings and Revenues Top Estimates
zacks.com • 6mo ago SEC Filing ⚠ 3
EFSC: 8-K · earnings release
Enterprise Financial Services Corp reported first quarter 2026 net income of $49.4 million, or $1.30 per diluted share, representing a decline from the linked quarter due to seasonal factors including lower day counts and tax credit timing, but remaining flat compared to the prior year.
The bank achieved a stable net interest margin of 4.28% while improving asset quality, as the ratio of nonperforming assets to total assets decreased to 0.87% and total loans dipped slightly to $11.7 billion.
Capital return initiatives included a $0.01 increase in the quarterly dividend to $0.34 per share and the repurchase of 483,000 shares for $27.3 million, driving tangible book value per share to $41.38.
SEC 8-K • 6mo ago AI analysis › Press Release ● Major
Enterprise Financial Services Corp Reports First Quarter 2026 Results
businesswire.com • 6mo ago News
Enterprise Financial Services (EFSC) Could Be a Great Choice
zacks.com • 6mo ago 2 fund position changes (13F filings)Recent SEC filings with analysis