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Financials · EFSC

Enterprise Financial Services Corporation (EFSC) financials

For the twelve months ended Sep 30, 2026, Enterprise Financial Services Corporation reported $748.84M of revenue and $187.53M of net income.

Revenue, TTM
$748.84M
Revenue growth, YoY
+5.0%
Net income, TTM
$187.53M
Net income growth, YoY
-4.0%
Net margin
25.0%
Free cash flow, TTM
$235.44M
EPS, diluted, TTM
$4.98
EPS growth, YoY
-2.9%
Cash
$487.87M
P/E
11.87
P/S
2.97
Market cap
$2.23B
Annual revenue$739.86M
FY2016FY2025
Annual net income$201.37M
FY2016FY2025
Annual free cash flow$181.53M
FY2016FY2025

EFSC revenue and earnings growth

EFSC revenueQ3 2026$187.82M

Quarter YoY
-9.2%
QoQ
+3.1%
FY YoY
+16.0%
5Y CAGR
+17.9%
10Y CAGR
+18.0%

EFSC revenue was $187.82M in fiscal Q3 2026 (ended Sep 30, 2026), down 9.2% from a year earlier and up 3.1% from the prior quarter. For the full fiscal 2025 it was $739.86M, up 16.0% from fiscal 2024. Compound annual growth was +17.9% over 5 years and +18.0% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

EFSC net incomeQ3 2026$42.44M

Quarter YoY
-6.2%
QoQ
+3.7%
FY YoY
+8.7%
5Y CAGR
+22.0%
10Y CAGR
+18.0%

EFSC net income was $42.44M in fiscal Q3 2026 (ended Sep 30, 2026), down 6.2% from a year earlier and up 3.7% from the prior quarter. For the full fiscal 2025 it was $201.37M, up 8.7% from fiscal 2024. Compound annual growth was +22.0% over 5 years and +18.0% over 10 years. It rose in 6 of the last 10 fiscal years.

EFSC EPSQ3 2026$1.14

Quarter YoY
-4.2%
QoQ
+4.6%
FY YoY
+9.9%
5Y CAGR
+14.0%
10Y CAGR
+10.9%

EFSC diluted EPS was $1.14 in fiscal Q3 2026 (ended Sep 30, 2026), down 4.2% from a year earlier and up 4.6% from the prior quarter. For the full fiscal 2025 it was $5.31, up 9.9% from fiscal 2024. Compound annual growth was +14.0% over 5 years and +10.9% over 10 years.

EFSC free cash flowQ3 2026$71.13M

Quarter YoY
+51.0%
QoQ
+6.2%
FY YoY
-24.3%
5Y CAGR
+6.4%
10Y CAGR
+14.9%

EFSC free cash flow was $71.13M in fiscal Q3 2026 (ended Sep 30, 2026), up 51.0% from a year earlier and up 6.2% from the prior quarter. For the full fiscal 2025 it was $181.53M, down 24.3% from fiscal 2024. Compound annual growth was +6.4% over 5 years and +14.9% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$739.86M$637.80M$631.32M$533.07M$427.94M$324.50M$287.89M$230.25M$211.70M$164.55M
Interest expense-$282.95M$202.33M$41.18M$23.04M$34.78M$66.42M$45.90M$25.23M$13.73M
Pre-tax income$283.72M$231.24M$246.53M$259.46M$168.63M$91.95M$116.04M$104.58M$86.52M$74.84M
Income tax$82.34M$45.98M$52.47M$56.42M$35.58M$17.56M$23.30M$15.36M$38.33M$26.00M
Net income$201.37M$185.27M$194.06M$203.04M$133.06M$74.38M$92.74M$89.22M$48.19M$48.84M
EPS, basic$5.34$4.86$5.09$5.32$3.86$2.76$3.56$3.86$2.10$2.44
EPS, diluted$5.31$4.83$5.07$5.31$3.86$2.76$3.55$3.83$2.07$2.41
Diluted shares37.2M37.6M37.5M37.5M34.5M27.0M26.2M23.3M23.2M20.3M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$681.90M$764.17M$433.03M$291.36M$2.02B$537.70M$167.26M$196.55M$153.32M$198.80M
Goodwill$416.97M$365.16M$365.16M$365.16M$365.16M$260.57M$210.34M$117.34M$117.34M$30.33M
Total assets$17.30B$15.60B$14.52B$13.05B$13.54B$9.75B$7.33B$5.65B$5.29B$4.08B
Total liabilities$15.26B$13.77B$12.80B$11.53B$12.01B$8.67B$6.47B$5.04B$4.74B$3.69B
Shareholders' equity$2.04B$1.82B$1.72B$1.52B$1.53B$1.08B$867.18M$603.80M$548.57M$387.10M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$193.51M$247.40M$268.24M$216.64M$160.57M$135.51M$92.46M$108.81M$45.79M$82.52M
Capital expenditures$11.98M$7.47M$6.56M$1.93M$2.50M$2.26M$6.34M$3.04M$2.55M$2.50M
Free cash flow$181.53M$239.93M$261.68M$214.71M$158.07M$133.25M$86.12M$105.77M$43.24M$80.03M
Investing cash flow-$1.08B-$796.87M-$1.31B-$1.38B-$23.11M-$702.83M-$378.52M-$331.62M-$312.44M-$358.06M
Financing cash flow$803.17M$880.61M$1.18B-$563.19M$1.35B$937.76M$256.77M$266.04M$221.17M$380.18M
Dividends paid$45.09M$39.55M$37.37M$33.60M$26.15M$19.80M$16.57M$10.85M$10.25M$8.21M
Share repurchases$14.14M$29.64M$0$32.92M$60.59M$15.35M$15.53M$19.39M$16.64M$4.89M
Stock-based compensation$13.49M$10.87M$10.15M$8.01M$6.02M$4.18M$4.03M$3.45M$3.43M$3.37M
Depreciation and amortization$6.80M$5.10M$5.10M$5.60M$6.10M$6.20M$5.70M$3.50M$3.30M$2.40M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY16.0%1.0%18.4%24.6%31.9%12.7%25.0%8.8%28.6%16.6%
Net income growth, YoY8.7%-4.5%-4.4%52.6%78.9%-19.8%3.9%85.1%-1.3%27.0%
EPS growth, YoY9.9%-4.7%-4.5%37.6%39.9%-22.3%-7.3%85.0%-14.1%27.5%
Net margin27.2%29.0%30.7%38.1%31.1%22.9%32.2%38.7%22.8%29.7%
Free cash flow margin24.5%37.6%41.5%40.3%36.9%41.1%29.9%45.9%20.4%48.6%
Return on equity9.9%10.2%11.3%13.3%8.7%6.9%10.7%14.8%8.8%12.6%
Return on assets1.2%1.2%1.3%1.6%1.0%0.8%1.3%1.6%0.9%1.2%

Source: XBRL data Enterprise Financial Services Corporation files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

EFSC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
EFSC$748.84M+5.0%$187.53M25.0%$2.23B
JPM$203.15B+13.2%$65.98B32.5%$908.40B
BAC$120.16B+5.4%$32.24B26.8%$349.70B
WFC$87.23B+5.4%$22.97B26.3%$257.44B
C$85.22B+5.6%$14.31B16.8%$202.38B
UBS$49.57B+2.0%$7.80B15.7%$152.60B
MFG¥8.79T+7.6%¥1.16T13.2%$123.62B
COF$63.01B+31.2%$10.87B17.2%$117.80B
BNSC$37.74B+12.1%C$7.79B20.6%$113.63B

EFSC FAQ

8 questions
  • What is EFSC revenue?
    Enterprise Financial Services Corporation (EFSC) reported $748.84M of revenue for the twelve months ended Sep 30, 2026. That is up 5.0% from the year before. Revenue for fiscal 2025 was $739.86M.
  • Is EFSC profitable?
    Yes. Enterprise Financial Services Corporation earned $187.53M in net income for the twelve months ended Sep 30, 2026, a net margin of 25.0%.
  • How much cash and debt does EFSC have?
    Enterprise Financial Services Corporation reported $487.87M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is EFSC revenue growing?
    Enterprise Financial Services Corporation's revenue changed +16.0% in fiscal 2025, to $739.86M. Its compound annual growth rate was +17.9% over 5 years and +18.0% over 10 years.
  • What is EFSC free cash flow?
    Enterprise Financial Services Corporation generated $235.44M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $242.74M less capital expenditures.
  • What is EFSC earnings per share?
    Diluted earnings per share were $4.98 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did EFSC last report financial results?
    The latest statements here come from Enterprise Financial Services Corporation's 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this EFSC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Enterprise Financial Services Corporation files with the SEC. It is provided for information only and is not investment advice.