Equity awards and tax-share withholdings for Enterprise Financial (EFSC) officer

Rhea-AI Filing Summary

Enterprise Financial Services Corp Chief Credit Officer Kevin L. Handley reported several equity compensation transactions dated February 10, 2026. He acquired 344 shares of common stock at $0 through the exercise of restricted share units and had shares withheld to cover related tax obligations at $59.22 per share.

Handley also received new stock awards of 565 and 455 shares of common stock at $0, granted under the company’s 2018 Stock Incentive Plan. The filing lists multiple non-qualified stock options and restricted share units that vest in 2026–2028, all held as direct ownership.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Handley Kevin L

(Last) (First) (Middle)

150 N MERAMEC

(Street)

ST LOUIS MO 63105

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ENTERPRISE FINANCIAL SERVICES CORP [ EFSC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/10/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/10/2026		M		344	A	$0	5,806	D
Common Stock	02/10/2026		F		163(1)	D	$59.22	5,643	D
Common Stock	02/10/2026		A(2)		565	A	$0	6,208	D
Common Stock	02/10/2026		F		268(1)	D	$59.22	5,940	D
Common Stock	02/10/2026		A(2)		455	A	$0	6,395	D
Common Stock	02/10/2026		F		215(1)	D	$59.22	6,180	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Non Qualified Stock Option (Right to Buy)	$43.81							02/06/2024	02/25/2031	Common Stock	1,612		1,612	D
Non Qualified Stock Option (Right to Buy)	$48.34							02/03/2025	02/24/2032	Common Stock	1,230		1,230	D
Non Qualified Stock Option (Right to Buy)	$54.46							02/10/2026	02/28/2033	Common Stock	1,684		1,684	D
Non Qualified Stock Option (Right to Buy)	$39.5							(3)	02/28/2034	Common Stock	2,576		2,576	D
Non Qualified Stock Option (Right to Buy)	$57.17							(4)	03/04/2035	Common Stock	1,791		1,791	D
Restricted Share Units	(5)							(6)	(6)	Common Stock	492		492	D
Restricted Share Units	(5)							(7)	(7)	Common Stock	599		599	D
Restricted Share Units	(5)							(8)	(8)	Common Stock	380		380	D
Restricted Share Units	(5)	02/10/2026		M			344	(9)	(9)	Common Stock	344	$0	0	D

Explanation of Responses:

1. Withholding of stock to satisfy tax withholding obligation on issuance of common stock.

2. The shares of common stock were awarded pursuant to the Company's 2018 Stock Incentive Plan.

3. This option becomes exercisable in the first quarter of 2027, subject to continued employment by the reporting person.

4. The option becomes exercisable in the first quarter of 2028, subject to continued employment by the reporting person.

5. The RSU's were granted pursuant to the Company's 2018 Stock Incentive Plan. Each RSU represents the right to receive one share of Common Stock, subject to adjustment as provided in the Grant Agreement.

6. The RSU's vest 100% in the first quarter of 2027, subject to continued employment by the reporting person.

7. The RSU's vest 100% in the first quarter of 2028, subject to continued employment by the reporting person.

8. The RSU vest 100% April 14, 2026, subject to continued employment by the reporting person.

9. The RSU vest 100% in the first quarter of 2026, subject to continued employment by the reporting person.

	/s/ Kevin L Handley	02/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transactions did EFSC executive Kevin L. Handley report on February 10, 2026?

Kevin L. Handley reported equity compensation-related transactions on February 10, 2026. He exercised 344 restricted share units into common stock at $0 and had shares withheld to satisfy tax obligations, alongside receiving additional common stock awards under Enterprise Financial Services Corp’s 2018 Stock Incentive Plan.

How many EFSC shares did Kevin L. Handley acquire through awards and RSU exercise?

Handley acquired several hundred EFSC shares through awards and RSU exercise. The filing shows 344 shares from restricted share units at $0, plus separate common stock grants of 565 and 455 shares, all recorded as direct ownership under the 2018 Stock Incentive Plan.

What do the Form 4 code F transactions mean for EFSC’s Kevin L. Handley?

The code F transactions reflect tax-related share dispositions, not open-market sales. Common stock amounts of 163, 268 and 215 shares were withheld at $59.22 per share to satisfy tax obligations arising from equity awards, while Handley’s remaining holdings continued as direct ownership.

What stock option holdings for EFSC common stock does Kevin L. Handley report?

Handley reports multiple non-qualified stock options over EFSC common stock. These options have exercise prices including $43.81, $48.34, $54.46, $39.5 and $57.17, with expiration dates from February 2031 through March 2035, and are listed as directly owned derivative securities.

What restricted share unit (RSU) positions and vesting terms are disclosed for EFSC’s Kevin L. Handley?

The filing lists several RSU positions granted under the 2018 Stock Incentive Plan. RSUs with 492, 599 and 380 underlying shares are disclosed, with vesting 100% in the first quarter of 2026, first quarter of 2027, first quarter of 2028, or on April 14, 2026, subject to continued employment.

What is Kevin L. Handley’s role and relationship to Enterprise Financial Services Corp (EFSC)?

Kevin L. Handley is identified as an officer of Enterprise Financial Services Corp. The Form 4 lists his title as Chief Credit Officer and classifies all reported holdings and transactions as directly owned, reflecting his status as a senior executive rather than a director or 10% owner.