ENTERPRISE FINANCIAL SERVICES GROUP, INC.

Income Statement Enterprise Financial Services Group, Inc.

Stocks

EFSG

US29372C1027

Market Closed - OTC Markets 11:39:15 2026-03-13 EDT			5-day change	1st Jan Change
25.87 ^USD	-1.63%		-19.16%	+1.45%

02-05	Enterprise Financial Services Group, Inc. Reports Earnings Results for the Full Year Ended September 30, 2025	CI
01-28	Enterprise Financial Services Group, Inc. announces Annual dividend, payable on February 27, 2026	CI

df5995cbbb9176974aece5b.Ngcu6Vjq6_LkKIRThDkZgryKs9ts5liyNpwGsM2i0eU.fGAd2zeL2IfRa_Q2_VMr99qz3Kk0jwH6B8hw6rnasqR8SxudLYyNv50f4w

Published financial data: ENTERPRISE FINANCIAL SERVICES GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: September	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	17.77M	15.16M	17.35M	20.94M	23.31M
Interest Income On Investments	220K	830K	3.39M	4.14M	4.71M
Interest Income, Total	17.99M	15.99M	20.74M	25.08M	28.02M
Interest On Deposits	1.98M	2.18M	5.78M	9.16M	10.79M
Total Interest On Borrowings	1.55M	1.34M	1.58M	2.07M	2.35M
Interest Expense, Total	3.53M	3.52M	7.37M	11.23M	13.14M
Net Interest Income	14.46M	12.47M	13.37M	13.84M	14.87M
Service Charges On Deposits	343K	362K	351K	374K	388K
Income (Loss) on Real Estate Property	-692K	224K	-192K	601K	2.6M
Total Other Non Interest Income	3.83M	2.6M	1.7M	2.51M	2.84M
Non Interest Income, Total	3.48M	3.19M	1.86M	3.49M	5.82M
Revenues Before Provison For Loan Losses	17.94M	15.66M	15.23M	17.33M	20.7M
Provision For Loan Losses	32.9K	139K	487K	-64.92K	710K
Total Revenues	17.91M	15.52M	14.74M	17.4M	19.99M
Salaries And Other Employee Benefits	6.81M	6.31M	6.33M	6.79M	8.43M
Federal Deposit Insurance	483K	343K	471K	658K	775K
Selling General & Admin Expenses, Total	2.23M	2.48M	2.45M	2.8M	2.88M
Total Other Non Interest Expense	3.11M	2.54M	2.23M	2.72M	3.47M
Non Interest Expense, Total	12.63M	11.67M	11.48M	12.97M	15.56M
EBT, Excl. Unusual Items	5.28M	3.85M	3.26M	4.43M	4.43M
EBT, Incl. Unusual Items	5.28M	3.85M	3.26M	4.43M	4.43M
Income Tax Expense	1.16M	857K	722K	1.01M	965K
Earnings From Continuing Operations	4.11M	2.99M	2.54M	3.42M	3.46M
Net Income to Company	4.11M	2.99M	2.54M	3.42M	3.46M
Minority Interest	-	-	-	-	-
Net Income - (IS)	4.11M	2.99M	2.54M	3.42M	3.46M
Preferred Dividend and Other Adjustments	450K	417K	313K	225K	198K
Net Income to Common Incl Extra Items	3.66M	2.58M	2.22M	3.2M	3.27M
Net Income to Common Excl. Extra Items	3.66M	2.58M	2.22M	3.2M	3.27M
Per Share Items
Net EPS - Basic	3.23	2.22	1.9	2.73	2.78
Basic EPS - Continuing Operations	3.23	2.22	1.9	2.73	2.78
Basic Weighted Average Shares Outstanding	1.13M	1.16M	1.17M	1.17M	1.17M
Net EPS - Diluted	3.23	2.22	1.9	2.73	2.78
Diluted EPS - Continuing Operations	3.23	2.22	1.9	2.73	2.78
Diluted Weighted Average Shares Outstanding	1.13M	1.16M	1.17M	1.17M	1.17M
Normalized Basic EPS	2.91	2.07	1.74	2.36	2.36
Normalized Diluted EPS	2.91	2.07	1.74	2.36	2.36
Dividend Per Share	0.26	0.28	0.28	0.44	0.57
Payout Ratio	16.73	23.99	25.48	16.33	20.82
Supplemental Items
Effective Tax Rate - (Ratio)	22.02	22.27	22.17	22.73	21.78
Current Domestic Taxes	1.37M	822K	832K	558K	1.4M
Total Current Taxes	1.37M	822K	832K	558K	1.4M
Deferred Domestic Taxes	-209K	35.46K	-110K	449K	-432K
Total Deferred Taxes	-209K	35.46K	-110K	449K	-432K
Normalized Net Income	3.3M	2.41M	2.04M	2.77M	2.77M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	247K	248K	25K	250K	250K
Total Stock-Based Compensation	247K	248K	25K	250K	250K

Fiscal Period: September	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	67.47M	111M	69.47M	91.53M	124M
Gross Loans	289M	285M	320M	334M	341M
Allowance For Loan Losses	-977K	-1.01M	-1.66M	-1.62M	-1.53M
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	288M	284M	318M	332M	339M
Gross Property Plant And Equipment	16.23M	16.67M	17.21M	17.65M	18.04M
Accumulated Depreciation	-5.52M	-5.33M	-6.08M	-6.69M	-7.29M
Net Property Plant And Equipment	10.71M	11.34M	11.13M	10.96M	10.75M
Investment in FHLB	2.63M	2.31M	2.97M	2.68M	2.49M
Accrued Interest Receivable	1.24M	1.28M	1.79M	2.13M	1.57M
Other Receivables	749K	647K	903K	-50.93K	358K
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	3.17M	3.81M	2.58M	2.86M	3.69M
Deferred Tax Assets Long-Term (Collected)	399K	363K	662K	213K	645K
Other Real Estate Owned And Foreclosed	2.61M	1.99M	5.68M	4.09M	20.66M
Other Long-Term Assets, Total	74.3K	81.17K	74.47K	76.24K	77.45K
Total Assets	378M	418M	413M	447M	504M
Liabilities
Accrued Expenses, Total	3.06M	2.29M	2.27M	1.94M	3.09M
Interest Bearing Deposits	267M	312M	274M	317M	381M
Institutional Deposits	3.41M	7.05M	20.44M	14.98M	12.04M
Non-Interest Bearing Deposits	5.13M	5.91M	9.73M	9.67M	7.73M
Total Deposits	276M	325M	304M	342M	400M
Current Portion of Long-Term Debt	18M	5M	31.28M	5M	2M
Long-Term Debt	1.26M	-	-	-	-
Federal Home Loan Bank Debt - Long-Term	44.28M	49.28M	39.39M	58.17M	56.17M
Trust Preferred Securities (BS)	195K	195K	195K	195K	195K
Accrued Interest Payable	313K	328K	739K	629K	640K
Other Non Current Liabilities	-	-	136K	55.35K	97.39K
Total Liabilities	343M	382M	378M	408M	463M
Preferred Stock Redeemable	5M	3.75M	2.5M	2.5M	1.5M
Total Preferred Equity	5M	3.75M	2.5M	2.5M	1.5M
Common Stock, Total	600K	600K	600K	600K	600K
Additional Paid In Capital	13.76M	13.83M	13.93M	13.93M	14.29M
Retained Earnings	15.51M	17.78M	18.96M	21.83M	24.57M
Treasury Stock	-373K	-317K	-249K	-249K	-
Total Common Equity	29.49M	31.9M	33.25M	36.11M	39.46M
Minority Interest	-	-	-	-	-
Total Equity	34.49M	35.65M	35.75M	38.61M	40.96M
Total Liabilities And Equity	378M	418M	413M	447M	504M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.16M	1.16M	1.17M	1.17M	1.2M
ECS Total Common Shares Outstanding	1.16M	1.16M	1.17M	1.17M	1.2M
Book Value / Share	25.48	27.4	28.36	30.81	32.87
Tangible Book Value	29.49M	31.9M	33.25M	36.11M	39.46M
Tangible Book Value Per Share	25.48	27.4	28.36	30.81	32.87
Total Debt	63.74M	54.48M	70.87M	63.37M	58.37M
Deposits at Interest - Cash	66.71M	111M	68.64M	90.91M	116M
Net Debt	-3.73M	-56.82M	1.39M	-28.16M	-65.51M
Number Of Offices	1	1	1	1	1

Fiscal Period: September	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	4.11M	2.99M	2.54M	3.42M	3.46M
Depreciation, Depletion & Amortization	695K	687K	763K	845K	918K
Total Depreciation, Depletion & Amortization	695K	687K	763K	845K	918K
Amortization of Deferred Charges, Total	157K	142K	105K	104K	125K
(Gain) Loss On Sale of Asset - (CF)	636K	-241K	191K	-648K	-2.73M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	32.9K	139K	487K	-64.92K	710K
Stock-Based Compensation (CF)	-	-	-	-	-
Changes in Accrued Interest Receivable	219K	-40.28K	-513K	-334K	556K
Changes in Accrued Interest Payable	-222K	15.03K	410K	-110K	10.95K
Change In Deferred Taxes	-209K	35.46K	-110K	449K	-432K
Change in Other Net Operating Assets (Collected)	-560K	-1.23M	1.01M	302K	-82.21K
Other Operating Activities	-	-	-	-	-
Cash from Operations	4.86M	2.5M	4.88M	3.97M	2.53M
Capital Expenditure	-2.88M	-1.3M	-556K	-657K	-814K
Sale of Property, Plant, and Equipment	-	500	6.35K	31.14K	197K
Net (Increase) Decrease in Loans Originated / Sold - Investing	41.49M	3.88M	-38.94M	-15.37M	-21.65M
Other Investing Activities, Total	1.82M	928K	-770K	3.81M	-177K
Cash from Investing	40.43M	3.5M	-40.26M	-12.19M	-22.44M
Long-Term Debt Issued, Total	7.26M	11M	22.39M	23.78M	1M
Total Debt Issued	7.26M	11M	22.39M	23.78M	1M
Long-Term Debt Repaid, Total	-74.88M	-20.26M	-6M	-31.28M	-6M
Total Debt Repaid	-74.88M	-20.26M	-6M	-31.28M	-6M
Issuance of Common Stock	323K	130K	171K	-	605K
Repurchase of Preferred Stock	-	-	-	-	-1M
Common Dividends Paid	-238K	-301K	-332K	-334K	-523K
Preferred Dividends Paid	-450K	-417K	-313K	-225K	-198K
Common & Preferred Stock Dividends Paid	-688K	-718K	-646K	-559K	-721K
Net Increase (Decrease) in Deposit Accounts - (CF)	19.66M	48.92M	-21.11M	38.34M	58.36M
Other Financing Activities, Total	-	-1.25M	-1.25M	-	-
Cash from Financing	-48.33M	37.82M	-6.45M	30.28M	52.25M
Net Change in Cash	-3.04M	43.82M	-41.82M	22.06M	32.34M
Supplemental Items
Cash Interest Paid	3.75M	3.5M	6.96M	11.34M	13.13M
Cash Income Tax Paid (Refund)	1.2M	1.1M	1.11M	736K	911K
Net Debt Issued / Repaid	-67.63M	-9.26M	16.39M	-7.5M	-5M

Fiscal Period: September	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	1.03	0.75	0.61	0.8	0.73
Return On Equity %	12.61	8.53	7.1	9.21	8.71
Return on Common Equity	13.27	8.39	6.82	9.22	8.64
Shareholders Value Added	800K	-691K	-1.37M	-738K	-1.07M
Margin Analysis
SG&A Margin	50.46	56.61	59.55	55.11	56.59
Net Interest Income / Total Revenues %	80.74	80.34	90.7	79.57	74.41
EBT Excl. Non-Recurring Items Margin %	29.46	24.8	22.1	25.46	22.16
Income From Continuing Operations Margin %	22.97	19.28	17.2	19.68	17.33
Net Income Margin %	22.97	19.28	17.2	19.68	17.33
Net Avail. For Common Margin %	20.46	16.59	15.07	18.38	16.34
Normalized Net Income Margin	18.41	15.5	13.81	15.91	13.85
Asset quality
Nonperforming Loans / Total Loans %	1.45	1.62	0.33	0.98	1.79
Nonperforming Loans / Total Assets %	1.11	1.11	0.26	0.73	1.21
Nonperforming Assets / Total Assets %	1.8	1.59	1.63	1.64	5.27
NPAs / Loans and OREO	2.33	2.31	2.07	2.17	7.33
NPAs / Equity	19.74	18.6	18.87	19.03	64.76
Allowance for Credit Losses / Net Charge-offs %	437.1	907.82	277.74	2.97K	202.06
Allowance for Credit Losses / Nonperforming Loans %	23.28	21.69	155.53	49.73	25.1
Allowance for Credit Losses / Total Loans %	0.34	0.35	0.52	0.49	0.45
Provision for Loan Losses / Net Charge-offs %	14.71	125.85	81.46	-118.91	93.69
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.9	7.72	7.84	8.06	7.95
Total Average Equity / Total Average Assets %	8.15	8.82	8.59	8.64	8.37
Total Equity + Allowance for Loan Losses / Total Loans %	12.25	12.84	11.69	12.05	12.46
Gross Loans / Total Deposits %	104.9	87.88	105.32	97.58	85.16
Net Loans / Total Deposits %	104.55	87.57	104.77	97.11	84.78
Tier 1 Capital Ratio %	11.91	12.4	11.2	11.6	11.34
Total Capital Ratio %	12.25	12.63	11.61	11.99	11.66
Core Tier 1 Capital Ratio	11.91	12.4	11.2	11.6	11.34
Coverage Ratio	3.86	4.37	-	-	-
Leverage Ratio %	8.77	8.74	8.42	8.5	8.1
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.41	3.87	3.06	3.14	2.88
EBT + Interest Expense / Interest Expense	2.5	2.09	1.44	1.39	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	17	-13.75	7.2	3.53	7.44
Non Interest Income, 1 Yr. Growth %	14.87	-8.36	-41.79	87.91	66.89
Provision For Loan Losses, 1 Yr. Growth %	-94.58	323.9	249.17	-113.33	-1.19K
Total Revenues, 1 Yr. Growth %	21.15	-13.33	-5.05	18.03	14.89
Earnings From Cont. Operations, 1 Yr. Growth %	50.29	-27.27	-15.29	35.04	1.19
Net Income, 1 Yr. Growth %	50.29	-27.27	-15.29	35.04	1.19
Normalized Net Income, 1 Yr. Growth %	50.6	-27.04	-15.39	36	-0.03
Diluted EPS Before Extra, 1 Yr. Growth %	60.18	-31.27	-14.4	43.61	1.87
Dividend Per Share, 1 Yr. Growth %	23.81	9.62	0	56.14	28.09
Gross Loans, 1 Yr. Growth %	-12.7	-1.37	12.06	4.35	2.16
Allowance For Loan Losses, 1 Yr. Growth %	-16.33	2.93	65.03	-2.36	-5.54
Net Loans, 1 Yr. Growth %	-12.66	-1.39	11.87	4.38	2.2
Non Performing Loans, 1 Yr. Growth %	-57.23	10.49	-76.99	205.37	87.11
Non Performing Assets, 1 Yr. Growth %	-51.16	-2.62	1.74	8.91	261.07
Total Assets, 1 Yr. Growth %	-10.67	10.61	-0.98	8.02	12.74
Total Deposits, 1 Yr Growth %	7.67	17.73	-6.5	12.62	17.06
Tangible Book Value, 1 Yr. Growth %	14.57	8.15	4.23	8.62	9.27
Common Equity, 1 Yr. Growth %	14.57	8.15	4.23	8.62	9.27
Total Equity, 1 Yr. Growth %	12.2	3.35	0.28	8.01	6.08
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	23.61	0.45	-3.85	5.35	5.47
Non Interest Income, 2 Yr. CAGR %	12.82	2.6	-26.97	4.58	77.09
Provision For Loan Losses, 2 Yr. CAGR %	-45.16	-52.08	284.72	-31.77	20.74
Total Revenues, 2 Yr. CAGR %	20.62	2.47	-9.28	5.86	16.45
Earnings From Cont. Operations, 2 Yr. CAGR %	54.3	4.55	-21.51	6.96	16.89
Net Income, 2 Yr. CAGR %	54.3	4.55	-21.51	6.96	16.89
Normalized Net Income, 2 Yr. CAGR %	52.3	4.82	-21.43	7.27	16.6
Diluted EPS Before Extra, 2 Yr. CAGR %	69.31	4.92	-23.3	10.87	20.95
Dividend Per Share, 2 Yr. CAGR %	11.27	16.5	4.7	24.96	41.42
Gross Loans, 2 Yr. CAGR %	5.75	-7.21	5.13	8.13	3.25
Allowance For Loan Losses, 2 Yr. CAGR %	10.42	-7.2	30.33	26.94	-3.97
Net Loans, 2 Yr. CAGR %	5.73	-7.2	5.03	8.06	3.28
Non Performing Loans, 2 Yr. CAGR %	-45.8	-31.25	-49.57	-16.17	139.03
Non Performing Assets, 2 Yr. CAGR %	-41.54	-31.04	-0.46	5.27	98.3
Total Assets, 2 Yr. CAGR %	10.15	-0.6	4.65	3.42	10.36
Total Deposits, 2 Yr CAGR %	16.23	12.59	4.92	2.62	14.82
Tangible Book Value, 2 Yr. CAGR %	11.57	11.31	6.17	6.4	8.94
Common Equity, 2 Yr. CAGR %	11.57	11.31	6.17	6.4	8.94
Total Equity, 2 Yr. CAGR %	9.59	7.68	1.8	4.07	7.04
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	15.47	9.63	2.65	-1.45	6.04
Non Interest Income, 3 Yr. CAGR %	20.23	5.26	-15.07	0.08	22.21
Provision For Loan Losses, 3 Yr. CAGR %	-50.9	8.43	-7.09	25.43	72.02
Total Revenues, 3 Yr. CAGR %	15.34	8.04	-0.1	-0.96	8.79
Earnings From Cont. Operations, 3 Yr. CAGR %	36.23	20.08	-2.53	-5.95	5
Net Income, 3 Yr. CAGR %	36.23	20.08	-2.53	-5.95	5
Normalized Net Income, 3 Yr. CAGR %	34.35	19.17	-2.4	-5.66	4.78
Diluted EPS Before Extra, 3 Yr. CAGR %	40.28	25.36	-1.96	-5.47	7.79
Dividend Per Share, 3 Yr. CAGR %	-	10.72	10.72	19.62	25.99
Gross Loans, 3 Yr. CAGR %	5.96	3.32	-1.19	4.87	6.1
Allowance For Loan Losses, 3 Yr. CAGR %	2.93	7.86	12.43	18.37	15.03
Net Loans, 3 Yr. CAGR %	5.98	3.3	-1.23	4.82	6.07
Non Performing Loans, 3 Yr. CAGR %	-26.76	-31.27	-52.27	-8.09	9.56
Non Performing Assets, 3 Yr. CAGR %	-25.55	-30.7	-21.49	2.57	58.75
Total Assets, 3 Yr. CAGR %	9.76	10.3	-0.73	5.77	6.44
Total Deposits, 3 Yr CAGR %	10.29	16.73	5.83	7.43	7.22
Tangible Book Value, 3 Yr. CAGR %	9.19	10.42	8.9	6.98	7.35
Common Equity, 3 Yr. CAGR %	9.19	10.42	8.9	6.98	7.35
Total Equity, 3 Yr. CAGR %	7.61	7.47	5.15	3.83	4.74
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.68	5.85	7.32	7.9	3.77
Non Interest Income, 5 Yr. CAGR %	18.76	11.77	-1.51	4.99	13.95
Provision For Loan Losses, 5 Yr. CAGR %	-30.75	13.17	11.87	-9.91	3.17
Total Revenues, 5 Yr. CAGR %	9.8	6.58	4.78	7.16	6.22
Earnings From Cont. Operations, 5 Yr. CAGR %	23.56	18.06	9.27	14.65	4.82
Net Income, 5 Yr. CAGR %	23.44	18.06	9.27	14.65	4.82
Normalized Net Income, 5 Yr. CAGR %	18.86	13.21	8.41	14.26	4.8
Diluted EPS Before Extra, 5 Yr. CAGR %	20.71	18.25	10.18	19.35	6.63
Dividend Per Share, 5 Yr. CAGR %	-	-	-	16.21	22.1
Gross Loans, 5 Yr. CAGR %	4.48	4.16	5.63	5.22	0.56
Allowance For Loan Losses, 5 Yr. CAGR %	-8.5	-4.38	13.12	15.12	5.56
Net Loans, 5 Yr. CAGR %	4.55	4.2	5.6	5.18	0.55
Non Performing Loans, 5 Yr. CAGR %	-15.49	-17.38	-36.92	-25.59	-9.08
Non Performing Assets, 5 Yr. CAGR %	-13.15	-15.55	-16.38	-18.09	13.73
Total Assets, 5 Yr. CAGR %	6.94	8.75	7.69	7.5	3.57
Total Deposits, 5 Yr CAGR %	5.27	10.43	8.11	10.86	9.34
Tangible Book Value, 5 Yr. CAGR %	12.08	12.72	7.97	8.79	8.92
Common Equity, 5 Yr. CAGR %	12.08	12.72	7.97	8.79	8.92
Total Equity, 5 Yr. CAGR %	9.71	9.58	5.25	6.1	5.91