Enterprise Financial Services (EFSC) earnings

ENTERPRISE FINANCIAL SERVICES CORP· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Enterprise Financial Services earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	40.9 $ million	−20.4% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$61.35 +0.56% · +$0.34

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +10.9% 1Y

1Y: $55.31 on 22 Oct 2025 → $61.35. High $68.52 (16 Jul 2026), low $51.99 (17 Nov 2025).

Previous close: $61.01
52-week range: $51.99 – $68.52
One year: +12.82%

Overview

Symbol: EFSC
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: −20% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Interest	73	69	64	—	—	—	—	—
Profit before tax	63	61	61	64	89	70	63	52
Tax rate	19.4%	19.5%	18.1%	20.0%	49.0%	21.5%	21.5%	21.7%
Net profit	51	49	50	51	45	55	49	41
EPS ($ per share)	1.33	—	1.33	1.36	1.20	—	1.31	1.10

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	0	0	0	0	0	0	0	0
Reserves	305	381	417	493	598	750	878	1,021
Total liabilities	5,042	6,467	8,673	12,008	11,532	12,803	13,772	15,261
Fixed assets	32	60	53	48	43	43	45	59
Total assets	5,646	7,334	9,752	13,537	13,054	14,519	15,596	17,301

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	109	92	136	161	217	268	247	194
Cash from investing	-332	-379	-703	-23	-1,384	-1,308	-797	-1,079
Cash from financing	266	257	938	1,347	-563	1,181	881	803
Net cash flow	—	-29	370	1,484	-1,730	142	331	-82
Capital expenditure	-3	-6	-2	-2	-2	-7	-7	-12
Free cash flow	106	86	133	158	215	262	240	182

Source: Inve data · cash flow · to Dec 2025

EFSC operating KPIs by quarter

EFSC operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Net interest margin	4.3% Net interest income expanded by $2.6 million to $169 million, and net interest margin expanded 2 basis points to 4.30% when compared to the linked quarter. Source: earnings call transcript	4.3% Net interest income expanded by $5.9 million to $175 million, and net interest margin remained stable at 4.30% when compared to the linked quarter. Source: earnings call transcript	0 pt
Return on tangible common equity (ROTCE)	10% Our operating results drove a 1% return on average assets and a 10% return on average tangible common equity. Source: earnings call transcript	10.74% Capital levels at quarter end moved into our target range as our tangible common equity to tangible assets ratio came in at 8.13% Return on tangible common equity for the quarter was 10.74%, a slight improvement to the 10.39% that we reported in the linked quarter. Source: earnings call transcript	+0.7 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

86 filings between Dec 31, 2025 and Aug 14, 2026.

Open market

decisions to buy or sell

Purchases

None

No insider bought shares.

Sales

$75.7K

2 sales by 1 insider

Compensation

not trading decisions

24: Award — granted as compensation
16: Option exercise — converted options into shares
32: Tax withheld — shares kept back by the company to cover tax

Also filed: 9 other filings, 3 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
PONDER MARK G	—	$75.7K	Apr 28, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Aug 14, 2026	Manjarrez Marcela Director	Award	978	$0
Aug 14, 2026	Young Lina A Director	Award	978	$0
Aug 14, 2026	DECOLA MICHAEL A Director	Award	2,935	$0
Aug 14, 2026	Andrich Lyne Director	Award	978	$0
Aug 14, 2026	SANBORN RICHARD Director	Award	978	$0
Aug 14, 2026	MARSH STEPHEN P Director	Award	1,057	$0
Aug 14, 2026	KENT NEVADA A Director	Award	1,057	$0
Aug 14, 2026	Holmes Michael Director	Award	1,956	$0
Jun 30, 2026	DUMLAO TROY EVP, Chief Accounting Officer	Other	462	$21.2K
Jun 30, 2026	IANNACONE NICOLE M SEVP, Chief Legal Officer	Other	462	$21.2K
Jun 30, 2026	KEENE S TURNER SEVP, Chief Financial Officer	Other	462	$21.2K
Jun 30, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Other	462	$21.2K
Jun 30, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Other	453	$20.8K
Jun 30, 2026	LALLY JAMES BRIAN CEO	Other	462	$21.2K
Jun 30, 2026	Huffman Bridget SEVP, Chief Risk Officer	Other	267	$12.3K
Apr 28, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Sale	625	$38.1K
Apr 28, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Sale	625	$37.6K
Apr 27, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Gift	200	$0
Apr 27, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Gift	1,250	$0
Apr 27, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Gift	1,250	$0
Apr 14, 2026	Huffman Bridget SEVP, Chief Risk Officer	Option exercise	380	$0
Apr 14, 2026	DUMLAO TROY EVP, Chief Accounting Officer	Tax withheld	168	$9.8K
Apr 14, 2026	DUMLAO TROY EVP, Chief Accounting Officer	Option exercise	380	$0
Apr 14, 2026	Handley Kevin L Chief Credit Officer	Tax withheld	160	$9.3K
Apr 14, 2026	Handley Kevin L Chief Credit Officer	Option exercise	380	$0
Apr 14, 2026	Huffman Bridget SEVP, Chief Risk Officer	Tax withheld	168	$9.8K
Feb 24, 2026	KEENE S TURNER SEVP, Chief Financial Officer	Tax withheld	2,169	$124.9K
Feb 24, 2026	KEENE S TURNER SEVP, Chief Financial Officer	Option exercise	4,989	$0
Feb 24, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Tax withheld	1,466	$84.4K
Feb 24, 2026	IANNACONE NICOLE M SEVP, Chief Legal Officer	Option exercise	3,326	$0
Feb 24, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Option exercise	3,326	$0
Feb 24, 2026	IANNACONE NICOLE M SEVP, Chief Legal Officer	Tax withheld	1,466	$84.4K
Feb 24, 2026	LALLY JAMES BRIAN CEO	Tax withheld	3,502	$201.6K
Feb 24, 2026	PONDER MARK G SEVP, Chief Admin. Officer	Option exercise	3,326	$0
Feb 24, 2026	LALLY JAMES BRIAN CEO	Option exercise	7,982	$0
Feb 24, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Tax withheld	1,466	$84.4K
Feb 10, 2026	LALLY JAMES BRIAN CEO	Tax withheld	1,673	$99.1K
Feb 10, 2026	LALLY JAMES BRIAN CEO	Option exercise	4,176	$0
Feb 10, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Tax withheld	609	$36.1K
Feb 10, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Tax withheld	845	$50.0K
Feb 10, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Award	1,711	$0
Feb 10, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Tax withheld	460	$27.2K
Feb 10, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Option exercise	1,043	$0
Feb 10, 2026	Huffman Bridget SEVP, Chief Risk Officer	Tax withheld	222	$13.1K
Feb 10, 2026	Huffman Bridget SEVP, Chief Risk Officer	Award	451	$0
Feb 10, 2026	BAUCHE DOUGLAS SEVP, Chief Banking Officer	Award	1,377	$0
Feb 10, 2026	Huffman Bridget SEVP, Chief Risk Officer	Tax withheld	277	$16.4K
Feb 10, 2026	Huffman Bridget SEVP, Chief Risk Officer	Award	560	$0
Feb 10, 2026	Huffman Bridget SEVP, Chief Risk Officer	Tax withheld	169	$10.0K
Feb 10, 2026	Huffman Bridget SEVP, Chief Risk Officer	Option exercise	341	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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