Welcome to our dedicated page for Enterprise Finl Svcs SEC filings (Ticker: EFSC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Enterprise Financial Services Corp (Nasdaq: EFSC) files a range of documents with the U.S. Securities and Exchange Commission as part of its role as a publicly traded financial holding company in the commercial banking industry. Through this page, users can access EFSC’s SEC filings, including current reports on Form 8-K, annual and quarterly reports, and disclosures related to capital markets activity and corporate governance.
Recent Form 8-K filings for EFSC have covered topics such as quarterly financial results, investor and analyst presentation materials, branch acquisitions, temporary suspensions of trading under employee benefit plans, and executive leadership changes. For example, the company has filed 8-Ks to furnish press releases announcing results for quarters ended March 31, June 30, and September 30, to describe the completion of a twelve-branch acquisition by Enterprise Bank & Trust from First Interstate Bank, and to outline changes in executive roles and compensation arrangements.
Other EFSC filings include Regulation FD disclosures providing slide decks used in investor meetings, and notices related to blackout periods for the company’s incentive savings plan, which affect trading in EFSC common stock acquired in connection with employment or service. These documents give investors detailed insight into EFSC’s operations, risk management, capital structure, and governance practices.
On Stock Titan, EFSC filings are updated as they are made available through the SEC’s EDGAR system. AI-powered summaries help explain the key points in lengthy filings, highlighting items such as earnings information, material events, branch transactions, and changes in executive leadership. Users can also review filings that relate to equity compensation, benefit plans, and other regulatory disclosures that are important for understanding Enterprise Financial Services Corp’s public company reporting.
Enterprise Financial Services Corp reported first-quarter 2026 net income of $49.4 million, with diluted EPS of $1.30, down from $1.45 in the prior quarter and $1.31 a year earlier. Net interest income was $166.1 million, slightly lower than the prior quarter, while the tax-equivalent net interest margin edged up to 4.28%.
Loans were $11.7 billion, down $107.6 million sequentially but up $394.0 million year over year. Deposits totaled $14.5 billion, down $84.9 million from the linked quarter and up $1.5 billion from the prior year, with noninterest-bearing deposits at 33% of the total. Asset quality remained controlled, with nonperforming assets at 0.87% of total assets and an allowance for credit losses equal to 1.21% of loans.
The company maintained solid capital, including a tangible common equity to tangible assets ratio of 9.01% and a common equity tier 1 ratio of 11.7%. Tangible book value per common share was $41.38. EFSC returned capital through repurchasing 483,000 shares for $27.3 million and paying $12.2 million in common dividends, and it increased the quarterly common dividend to $0.34 per share for the second quarter of 2026.
Enterprise Financial Services Corp EVP and Chief Accounting Officer Troy Dumlao exercised 380 Restricted Share Units into the same number of shares of common stock. To cover taxes, 168 shares of common stock were withheld at $58.30 per share, leaving him with 8,473 directly owned common shares. He also continues to hold several non-qualified stock option grants with exercise prices between the low $40s and high $50s per share and multiple unvested RSU awards scheduled to vest between the first quarters of 2027 and 2029, along with 400 Depositary Shares representing interests in 5.00% Series A preferred stock.
Enterprise Financial Services Corp Chief Credit Officer Kevin L. Handley exercised 380 Restricted Share Units into an equal number of common shares on April 14, 2026. Of these, 160 shares were withheld at $58.30 per share to cover tax obligations, leaving 6,400 common shares held directly afterward. He continues to hold multiple non-qualified stock option grants and additional RSU awards scheduled to vest in future years under the company’s 2018 Stock Incentive Plan.
Enterprise Financial Services Corp executive Bridget Huffman reported routine equity compensation activity. On April 14, 2026, she exercised 380 Restricted Share Units, receiving the same number of shares of Common Stock at a stated price of $0.00 per share.
To cover taxes, 168 Common shares were withheld at $58.30 per share, leaving her with 7,061 Common shares held directly after these transactions. She also continues to hold several non-qualified stock options and additional RSUs that vest in future years, all subject to continued employment.
Enterprise Financial Services Corp is asking stockholders to vote at its virtual 2026 annual meeting on May 13, 2026 to elect 12 directors, ratify Deloitte & Touche LLP as auditor for 2026, and approve executive compensation in an advisory vote. The Board recommends voting FOR all three proposals and uses a majority voting policy for uncontested director elections.
The record date is March 19, 2026, when 36,841,052 common shares were outstanding. The proxy outlines an independent board with an independent chair, key committees, and a director compensation mix that includes required stock grants. It also describes a pay‑for‑performance program, where 2025 STIP payouts reached 119–125% of target and long‑term incentives paid at 74% of target based on metrics such as EPS, return on average tangible common equity and total stockholder return.
The Vanguard Group amended its Schedule 13G/A for Enterprise Financial Services Corp, reporting 0 shares beneficially owned and 0% ownership following an internal realignment effective January 12, 2026.
The filing states certain Vanguard subsidiaries and business divisions now report disaggregated holdings in reliance on SEC Release No. 34-39538; Vanguard no longer is deemed to beneficially own securities held by those entities.
Enterprise Financial Services Corp (EFSC) released an investor presentation outlining its recent financial performance and balance sheet profile. The company reported total assets of $17.3 billion and a market capitalization of $2.1 billion as of late February 2026, with a 2025 full-year return on average assets of 1.24% and return on average tangible common equity of 13.3%.
For 4Q25, EFSC generated net income of $54.8 million, or $1.45 in diluted EPS, on net interest income of $168.2 million and a net interest margin of 4.26%. Credit metrics included nonperforming loans equal to 0.70% of total loans, nonperforming assets equal to 0.95% of total assets and an allowance for credit losses of 1.19% of loans, or 1.29% when adjusted for guaranteed loans.
The presentation highlights a diversified commercial banking model with $11.8 billion in loans and $14.6 billion in deposits at 4Q25, including 33.4% noninterest-bearing deposits and a 1.64% cost of total deposits. EFSC reported a CET1 capital ratio of 11.6% and a tangible common equity to tangible assets ratio of 9.07%, supported by a $3.7 billion investment portfolio, diverse liquidity sources and a range of specialty lending and deposit verticals across stable Midwest and higher-growth Western and Southwest markets.
ENTERPRISE FINANCIAL SERVICES CORP reported that Chief Credit Officer Kevin L. Handley acquired 1,140 Restricted Share Units on March 4, 2026 as an equity award. The RSUs were granted under the 2018 Stock Incentive Plan and each unit represents one share of common stock. Related footnotes describe RSUs that vest 100% in the first quarter of 2027 and later years, and stock options that become exercisable in future periods, all subject to Mr. Handley’s continued employment.
IANNACONE NICOLE M reported acquisition or exercise transactions in this Form 4 filing.
ENTERPRISE FINANCIAL SERVICES CORP senior executive Nicole M. Iannacone, SEVP and Chief Legal Officer, reported an award of 1,471 Restricted Share Units on March 4, 2026. The RSUs were granted at no cost under the company’s 2018 Stock Incentive Plan.
Each RSU represents the right to receive one share of common stock, and this grant vests 100% in the first quarter of 2029, subject to her continued employment. The Form 4 also updates her directly held balances of stock options, RSUs, and common stock, including 22,855 common shares held directly after the reported date.
Enterprise Financial Services Corp senior executive Mark G. Ponder reported an equity award and updated holdings. On March 4, 2026, he acquired 1,508 Restricted Share Units (RSUs) as a grant at a stated price of $0.00 per unit, leaving 1,508 RSUs of this grant outstanding afterward.
The RSUs were granted under the company’s 2018 Stock Incentive Plan, with each RSU representing the right to receive one share of common stock, and vesting subject to continued employment as described in the award terms. The filing also lists several outstanding Non Qualified Stock Option awards, including positions with 4,521 and 7,460 options outstanding following the reported date, that become exercisable in future quarters subject to continued employment.
Ponder’s common stock holdings include 23,726 shares held directly, 1,517 shares held indirectly through a unitized stock fund in the company’s 401(k) Plan, and 200 shares held indirectly through a self-directed IRA. Additional RSU awards vest over time, in some cases 100% in specified future first quarters or in installments, all conditioned on continued employment.