Enterprise Financial Services Corporation (EFSC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EFSC SEC filings page.
Enterprise Financial Services Corporation (EFSC) reported $767.9M in revenue over the twelve months to Jun 30, 2026, up 14.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Earnings remain cash-backed, but 2025 growth required a larger liability-funded balance sheet while cash conversion and profit margins narrowed.
Revenue rose from$631M in FY2023 to$740M in FY2025, while free-cash-flow margin fell across the same period. That pairing, alongside net margin declining from30.7% to27.2% , points to growth that was less cash- and profit-efficient, not simply larger in scale.
FY2025 assets reached
Net income of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Enterprise Financial Services Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Enterprise Financial Services Corporation earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Enterprise Financial Services Corporation scores 74/100 among other banks.
Enterprise Financial Services Corporation reported revenue of $739.9M in fiscal year 2025, against $637.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Enterprise Financial Services Corporation scores 52/100 among other banks.
Enterprise Financial Services Corporation funded 11.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.0B of equity against $17.3B of assets. Capital ranks banks on that cushion, and Enterprise Financial Services Corporation scores 57/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Enterprise Financial Services Corporation scores 72/100 on it among other banks.
Not available for Enterprise Financial Services Corporation, and counted as zero in the overall score.
Enterprise Financial Services Corporation reported net income of $201.4M in fiscal year 2025, against $185.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Enterprise Financial Services Corporation scores 76/100 among other banks.
Enterprise Financial Services Corporation passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Enterprise Financial Services Corporation generates $0.96 in operating cash flow ($193.5M OCF vs $201.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Enterprise Financial Services Corporation generated $182.2M in revenue in Q2 2026. This represents an increase of 5.1% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.
Enterprise Financial Services Corporation reported $40.9M in net income in Q2 2026. This represents a decrease of 20.4% from the same quarter a year earlier. Against the prior quarter it is down 17.1%.
Enterprise Financial Services Corporation earned $1.09 per diluted share (EPS) in Q2 2026. This represents a decrease of 19.9% from the same quarter a year earlier. Against the prior quarter it is down 16.2%.
Not reported for Q2 2026.
Cash & Balance Sheet
Enterprise Financial Services Corporation generated $67.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 13.6% from the same quarter a year earlier. Against the prior quarter it is up 16.6%.
Enterprise Financial Services Corporation held $552.1M in cash as of Q2 2026; long-term debt is not reported for that period.
Enterprise Financial Services Corporation paid $0.34 per share in dividends in Q2 2026. This represents an increase of 13.3% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.
Margins & Returns
Enterprise Financial Services Corporation's net profit margin was 22.5% in Q2 2026, showing the share of revenue converted to profit. This is down 7.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.2 percentage points.
Enterprise Financial Services Corporation's ROE was 2.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Enterprise Financial Services Corporation spent $22.8M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 162778.6% from the same quarter a year earlier. Against the prior quarter it is down 16.3%.
Enterprise Financial Services Corporation invested $1.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 28.5% from the same quarter a year earlier. Against the prior quarter it is up 61.9%.
Not reported for Q2 2026.
EFSC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $182.2M+5.1% | $185.2M+11.6% | $193.6M+15.9% | $206.9M+25.5% | $173.4M+11.1% | $166.0M+10.8% | $167.0M+0.5% | $164.9M+7.3% |
| SG&A Expenses | $53.1M+5.9% | $55.8M+15.7% | $50.7M+6.5% | $49.6M+9.4% | $50.2M+12.7% | $48.2M+6.5% | $47.6M+20.0% | $45.4M+11.3% |
| Interest Expense | $60.6M-8.5% | $58.9M-8.3% | $64.1M-7.1% | $67.1M-7.9% | $66.2M-6.9% | $64.3M-8.2% | $69.0M+4.0% | $72.8M+22.9% |
| Income Tax | $11.3M-11.6% | $13.5M+21.9% | $15.0M+27.2% | $43.4M+256.1% | $12.8M+9.1% | $11.1M+8.2% | $11.8M+7.4% | $12.2M-1.5% |
| Net Income | $40.9M-20.4% | $49.4M-1.2% | $54.8M+12.2% | $45.2M-10.6% | $51.4M+13.1% | $50.0M+23.7% | $48.8M+9.7% | $50.6M+13.3% |
| EPS (Basic) | $1.10-19.1% | $1.31-1.5% | $1.45+12.4% | $1.20-9.8% | $1.36+14.3% | $1.33+26.7% | $1.29+11.2% | $1.33+13.7% |
| EPS (Diluted) | $1.09-19.9% | $1.30-0.8% | $1.45+14.2% | $1.19-9.8% | $1.36+14.3% | $1.31+24.8% | $1.27+9.5% | $1.32+12.8% |
| Diluted Shares (Avg) | 37M-1.3% | 37M-0.4% | N/A | 37M-0.4% | 37M-1.0% | 37M-0.8% | N/A | 37M-0.1% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
EFSC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $17.4B+8.2% | $17.2B+9.9% | $17.3B+10.9% | $16.4B+9.7% | $16.1B+10.0% | $15.7B+7.3% | $15.6B+7.4% | $15.0B+6.6% |
| Cash & Equivalents | $552.1M+12.3% | $634.5M+31.7% | $681.9M-10.8% | $472.0M+10.7% | $491.5M+25.1% | $481.7M+30.4% | $764.2M+76.5% | $426.4M+15.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $417.0M+14.2% | $417.0M+14.2% | $417.0M+14.2% | $365.2M0.0% | $365.2M0.0% | $365.2M0.0% | $365.2M0.0% | $365.2M0.0% |
| Total Liabilities | $15.4B+8.5% | $15.2B+10.1% | $15.3B+10.8% | $14.4B+9.9% | $14.2B+10.1% | $13.8B+7.2% | $13.8B+7.6% | $13.1B+5.7% |
| Total Equity | $2.0B+6.1% | $2.0B+8.3% | $2.0B+11.8% | $2.0B+8.2% | $1.9B+9.5% | $1.9B+7.9% | $1.8B+6.3% | $1.8B+13.7% |
| Retained Earnings | $1.1B+11.4% | $1.0B+14.6% | $1.0B+16.3% | $980.5M+15.9% | $947.9M+16.9% | $908.6M+16.7% | $877.6M+17.1% | $845.8M+18.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
EFSC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $68.7M+12.0% | $58.5M+46.2% | $42.8M-17.6% | $49.4M-44.6% | $61.3M-19.9% | $40.0M+33.9% | $52.0M-34.2% | $89.0M+80.0% |
| Stock-Based Compensation | N/A | $4.3M+37.6% | N/A | N/A | N/A | $3.1M+31.7% | N/A | N/A |
| Capital Expenditures | $1.7M-28.5% | $1.0M-76.7% | $3.0M+60.6% | $2.2M+163.0% | $2.3M+29.8% | $4.4M+49.0% | $1.9M-56.9% | $853K+44.6% |
| Free Cash Flow | $67.0M+13.6% | $57.5M+61.4% | $39.8M-20.5% | $47.1M-46.6% | $59.0M-21.1% | $35.6M+32.2% | $50.1M-32.9% | $88.2M+80.4% |
| Investing Cash Flow | -$364.5M+0.6% | $91.1M+124.9% | -$30.9M+90.7% | -$315.8M-11.5% | -$366.5M-531102.9% | -$365.7M-102.6% | -$333.1M+14.4% | -$283.2M-147.3% |
| Financing Cash Flow | $213.4M-32.3% | -$197.1M-556.0% | $198.0M-68.0% | $246.9M+8.4% | $315.1M+693.6% | $43.2M-50.3% | $618.9M+66.2% | $227.8M+100.3% |
| Dividends Paid | $12.3M+11.3% | $12.2M+13.6% | $11.8M+13.9% | $11.5M+14.0% | $11.1M+13.9% | $10.7M+14.3% | $10.4M+11.0% | $10.1M+7.7% |
| Share Buybacks | $22.8M+162778.6% | $27.2M+156.6% | $3.5M-68.8% | $0-100.0% | $14K-99.8% | $10.6M | $11.3M | $9.8M |
Not reported in any period shown, so not listed: Depreciation & Amortization.
EFSC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.5%-7.2pp | 26.7%-3.4pp | 28.3%-0.9pp | 21.9%-8.8pp | 29.6%+0.5pp | 30.1%+3.1pp | 29.2%+2.4pp | 30.7%+1.6pp |
| Return on Equity | 2.0%-0.7pp | 2.4%-0.2pp | 2.7%0.0pp | 2.3%-0.5pp | 2.7%+0.1pp | 2.7%+0.3pp | 2.7%+0.1pp | 2.8%0.0pp |
| Return on Assets | 0.2%-0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%-0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp |
| Debt-to-Equity | 7.53+0.2x | 7.52+0.1x | 7.48-0.1x | 7.27+0.1x | 7.360.0x | 7.390.0x | 7.55+0.1x | 7.16-0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 36.8%+2.8pp | 31.0%+9.6pp | 20.6%-9.4pp | 22.8%-30.7pp | 34.0%-13.9pp | 21.5%+3.5pp | 30.0%-14.9pp | 53.5%+21.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Enterprise Financial Services Corporation EFSC | FY2025 | $739.9M | $201.4M | 27.2% | $2.2B | 55/100 |
| First Merchants Corp FRME | FY2025 | $662.9M | $226.0M | 34.1% | $2.5B | 65/100 |
| Trustmark Corp TRMK | FY2025 | $799.8M | $224.1M | 28.0% | $2.6B | 38/100 |
| Pacific Premier Bancorp Inc PPBI | FY2024 | $619.8M | $158.8M | 25.6% | $2.4B | 46/100 |
| Banner Corp. BANR | FY2025 | N/A | $195K | N/A | $2.5B | — |
| CUSTOMERS BANCORP INC CUBI | FY2025 | $818.3M | $224.1M | 27.4% | $2.5B | 41/100 |
Where Enterprise Financial Services Corporation Ranks
Frequently Asked Questions
What is Enterprise Financial Services Corporation's annual revenue?
Enterprise Financial Services Corporation (EFSC) reported $739.9M in total revenue for fiscal year 2025. This represents a 16.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Enterprise Financial Services Corporation's revenue growing?
Enterprise Financial Services Corporation (EFSC) revenue grew by 16.0% year-over-year, from $637.8M to $739.9M in fiscal year 2025.
Is Enterprise Financial Services Corporation profitable?
Yes, Enterprise Financial Services Corporation (EFSC) reported a net income of $201.4M in fiscal year 2025, with a net profit margin of 27.2%.
What is Enterprise Financial Services Corporation's net profit margin?
Enterprise Financial Services Corporation (EFSC) had a net profit margin of 27.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Enterprise Financial Services Corporation pay dividends?
Yes, Enterprise Financial Services Corporation (EFSC) paid $1.22 per share in dividends during fiscal year 2025.
What is Enterprise Financial Services Corporation's return on equity (ROE)?
Enterprise Financial Services Corporation (EFSC) has a return on equity of 9.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Enterprise Financial Services Corporation's free cash flow?
Enterprise Financial Services Corporation (EFSC) generated $181.5M in free cash flow during fiscal year 2025. This represents a -24.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Enterprise Financial Services Corporation's operating cash flow?
Enterprise Financial Services Corporation (EFSC) generated $193.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Enterprise Financial Services Corporation's total assets?
Enterprise Financial Services Corporation (EFSC) had $17.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Enterprise Financial Services Corporation's capital expenditures?
Enterprise Financial Services Corporation (EFSC) invested $12.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Enterprise Financial Services Corporation's debt-to-equity ratio?
Enterprise Financial Services Corporation (EFSC) had a debt-to-equity ratio of 7.48 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Enterprise Financial Services Corporation's return on assets (ROA)?
Enterprise Financial Services Corporation (EFSC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Enterprise Financial Services Corporation's P/E ratio?
Enterprise Financial Services Corporation (EFSC) trades at 11.4x earnings, its market capitalization divided by net income of $190.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.2B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Enterprise Financial Services Corporation's price-to-sales ratio?
Enterprise Financial Services Corporation (EFSC) trades at 2.8x sales, its market capitalization divided by revenue of $767.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.2B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Enterprise Financial Services Corporation's Piotroski F-Score?
Enterprise Financial Services Corporation (EFSC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Enterprise Financial Services Corporation's earnings high quality?
Enterprise Financial Services Corporation (EFSC) has an earnings quality ratio of 0.96x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Enterprise Financial Services Corporation?
Enterprise Financial Services Corporation (EFSC) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.