NASDAQ$EFSC

Enterprise Financial Services Corp · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Enterprise Financial Services reported Q3 2025, net income of $45.2M, diluted EPS of $1.19.

For Q3 2025, Enterprise Financial Services reported net income of $45.2M, diluted EPS was $1.19. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Net income $45.2M.
  • Diluted EPS $1.19.
  • Enterprise Financial Services highlights operating priorities and capital allocation.

Headline financials

Total Revenue

$158M

Previous: $165M-4.0%
EPS (adj)

$1.19

Previous: $1.32-9.8%
ROAA

1.1%

Previous: 1.4%-18.4%
ROATCE

11.6%

Previous: 14.6%-20.5%
Net interest margin

4.2%

No prior period
Nonperforming assets

0.8%

Previous: 0.2%+277.3%
Allowance to loans

1.3%

Previous: 1.3%+2.4%
Net charge-offs

0.1%

Previous: 0.1%+0.0%
TCE to TA

9.6%

Previous: 9.5%+1.1%
TBV per share

$41.58

Previous: $37.26+11.6%
CET1 Capital Ratio

12.0%

Previous: 11.9%+0.8%
Total Capital Ratio

14.4%

Previous: 14.8%-2.7%
Tier 1 Capital Ratio

13.3%

Previous: 13.2%+0.8%
Capital Expenditures

-$8.96M

Previous: -$5.59M-60.2%
Net Income

$45.2M

Previous: $50.6M-10.6%
Operating Income

$86.7M

Previous: $59M+46.8%

Revenue & EPS history

Enterprise Financial · Revenue · Quarterly

$158M

Q3 2025-4%vs Q3 2024
Beat estimate in 8 of 13 quarters(62%)
ActualEstimate

Forward guidance

The release discusses Enterprise Financial Services's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Enterprise Financial Services cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.9%

Avg return

Earnings day

+1.6%

Avg return

5 days after

+3.9%

Avg return

30 days after

60%

39 / 65 earnings

Positive

+12.9%

Q2 2024

Best reaction

-7.5%

Q3 2018

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.2%+3.2%+5.6%
Q4 2025+2.0%+2.6%+5.5%
Q3 2025-1.9%-4.6%+0.2%
Q2 2025-1.1%-0.5%+5.2%
Q1 2025+0.7%+2.5%+2.5%
Q4 2024+4.3%+4.0%+1.7%
Q3 2024-0.2%-2.7%+10.7%
Q2 2024+12.9%+13.7%+5.1%
Q1 2024-1.2%-2.2%-1.0%
Q4 2023-1.6%-1.6%-5.5%
Q3 2023-5.8%-3.0%+7.4%
Q2 2023-4.4%-3.2%-8.5%
Q1 2023-2.6%-1.3%-4.7%
Q4 2022+8.0%+6.5%+12.4%
Q3 2022+5.7%+10.7%+9.4%
Q2 2022+2.7%+9.8%+10.2%
Q1 2022-3.2%-5.5%-3.1%
Q4 2021+4.0%+4.4%+4.5%
Q3 2021-4.4%-2.9%+0.2%
Q2 2021+2.1%+5.0%+6.8%
Q1 2021-3.4%-2.0%-1.8%
Q4 2020+0.4%-5.1%+17.8%
Q3 2020-3.7%+0.7%+13.1%
Q2 2020+5.8%+3.6%+6.7%
Q1 2020-1.9%-0.0%-2.2%
Q4 2019-3.4%-5.7%-7.2%
Q3 2019+5.4%+6.4%+8.0%
Q2 2019+4.6%+7.3%-2.6%
Q1 2019-3.3%-2.8%-5.6%
Q4 2018+5.2%+12.5%+12.8%
Q3 2018-7.5%-10.4%-6.7%
Q2 2018+1.2%+1.5%+2.9%
Q1 2018+2.9%+5.2%+13.2%
Q4 2017+1.0%+2.0%+0.4%
Q3 2017+0.1%+3.5%+1.4%
Q2 2017-0.5%-1.9%-4.7%
Q1 2017+1.7%-0.4%-3.1%
Q4 2016+2.3%+9.2%+18.3%
Q3 2016-0.3%+0.9%+21.2%
Q2 2016+4.1%+3.9%+10.2%
Q1 2016+0.5%
Q4 2015+7.7%
Q3 2015+11.6%
Q2 2015+0.8%
Q1 2015+0.9%
Q4 2014+4.7%
Q3 2014+1.3%
Q2 2014-0.6%
Q1 2014-5.4%
Q4 2013-4.4%
Q3 2013+3.3%
Q2 2013+4.9%
Q1 2013+4.1%
Q4 2012-5.8%
Q3 2012+1.0%
Q2 2012-3.3%
Q1 2011+0.2%
Q4 2009+7.0%
Q4 2011+7.0%
Q1 2012+7.0%
Q3 2011-4.6%
Q3 2010-4.6%
Q2 2011+1.1%
Q2 2010+0.8%
Q1 2010-0.2%

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