Enterprise Financial Services Corp (EFSC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Enterprise Financial Services reported revenue of $739.9M, up 16.0% from $637.8M the year before. Net income was $201.4M (a 27.2% net margin), or $5.31 per diluted share. Net interest income was $626.7M, and the efficiency ratio (noninterest expense / revenue) was 58.1%. Operating activities generated $193.5M of cash, leaving $181.5M of free cash flow. At fiscal year end, Enterprise Financial Services held $17.30B in total assets against $15.26B in total liabilities.
Open the full interactive Enterprise Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Enterprise Financial Services Key Stats
| Share Price | $59.14 |
|---|---|
| Market Cap | $2.17B |
| P/E Ratio | 11.1 |
| Revenue YoY Growth | +16.0% |
| 52-Week Range | $50.83 – $68.15 |
| Shares Outstanding | 36.4 million (basic, 2026 Q2) |
Enterprise Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $270.0M | $360.2M | $473.9M | $562.6M | $568.1M | $626.7M |
| Provision for Credit Losses | $65.4M | $13.4M | -$611,000 | $36.6M | $21.5M | $26.3M |
| Noninterest Income | $54.5M | $67.7M | $59.2M | $68.7M | $69.7M | $113.1M |
| Noninterest Expense | $167.2M | $245.9M | $274.2M | $348.2M | $385.0M | $429.8M |
| Revenue | $324.5M | $427.9M | $533.1M | $631.3M | $637.8M | $739.9M |
| Pre-Tax Income | $91.9M | $168.6M | $259.5M | $246.5M | $231.2M | $283.7M |
| Income Tax | $17.6M | $35.6M | $56.4M | $52.5M | $46.0M | $82.3M |
| Net Income | $74.4M | $133.1M | $203.0M | $194.1M | $185.3M | $201.4M |
| Diluted EPS | $2.76 | $3.86 | $5.31 | $5.07 | $4.83 | $5.31 |
Enterprise Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $206.9M | $193.6M | $185.2M | $182.2M |
| Net Income | $45.2M | $54.8M | $49.4M | $40.9M |
| Diluted EPS | $1.19 | $1.47 | $1.30 | $1.09 |
Enterprise Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $537.7M | $2.02B | — | — | — | — |
| Loans (Net) | $7.09B | $8.87B | $9.60B | $10.75B | $11.08B | $11.66B |
| Total Assets | $9.75B | $13.54B | $13.05B | $14.52B | $15.60B | $17.30B |
| Deposits | $7.99B | $11.34B | $10.83B | $12.18B | $13.15B | $14.61B |
| Total Long-Term Debt | $554.7M | $581.6M | $596.7M | $465.2M | $437.4M | $540.1M |
| Total Liabilities | $8.67B | $12.01B | $11.53B | $12.80B | $13.77B | $15.26B |
| Shareholders' Equity | $1.08B | $1.53B | $1.52B | $1.72B | $1.82B | $2.04B |
Enterprise Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $135.5M | $160.6M | $216.6M | $268.2M | $247.4M | $193.5M |
| Cash From Investing | -$702.8M | -$23.1M | -$1.38B | -$1.31B | -$796.9M | -$1.08B |
| Cash From Financing | $937.8M | $1.35B | -$563.2M | $1.18B | $880.6M | $803.2M |
| Free Cash Flow | $133.3M | $158.1M | $214.7M | $261.7M | $239.9M | $181.5M |
Figures from Enterprise Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Enterprise Financial Services financials page for every line item.
Enterprise Financial Services Company Profile
| Ticker | EFSC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Clayton, Missouri |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001025835 |
Frequently Asked Questions
What was Enterprise Financial Services' revenue in fiscal 2025?
Enterprise Financial Services (EFSC) reported revenue of $739.9M for fiscal 2025.
What is Enterprise Financial Services' annual revenue history?
Enterprise Financial Services' annual revenue by fiscal year: 2020: $324.5M; 2021: $427.9M; 2022: $533.1M; 2023: $631.3M; 2024: $637.8M; 2025: $739.9M.
What was Enterprise Financial Services' net income in fiscal 2025?
Enterprise Financial Services reported net income of $201.4M for fiscal 2025.
What was Enterprise Financial Services' earnings per share (EPS) in fiscal 2025?
Enterprise Financial Services' diluted EPS was $5.31 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Enterprise Financial Services generate in fiscal 2025?
Enterprise Financial Services generated $181.5M of free cash flow in fiscal 2025.
What was Enterprise Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Enterprise Financial Services reported revenue of $182.2M.
How much debt does Enterprise Financial Services have?
Enterprise Financial Services reported $540.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Enterprise Financial Services are outstanding?
Enterprise Financial Services reported a weighted average of 36.4 million basic shares outstanding in 2026 Q2.
What is Enterprise Financial Services' market cap?
Based on its latest closing price, Enterprise Financial Services (EFSC) has a market capitalization of about $2.17B.
When does Enterprise Financial Services' fiscal year end?
Enterprise Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Enterprise Financial Services headquartered?
Enterprise Financial Services lists its business address in Clayton, Missouri in its SEC filings.