NASDAQ$EFSC

Enterprise Financial Services Corp · Q4 2024 earnings

Q4 2024 earnings · · After market close · Investor relations

Briefing

Demonstrated commitment to driving long-term shareholder value through strong financial results, share repurchases, and an increased common stock dividend.

Enterprise Financial Services Corp reported strong fourth quarter and full year 2024 financial results, driven by a focus on clients, associates, and a diversified business model. The company reported diluted earnings per share of $1.28 for the fourth quarter and $4.83 for the full year 2024. Earnings resulted in a 1.27% ROAA and a 13.63% ROATCE for the fourth quarter.

  • Net income of $48.8 million, or $1.28 per diluted common share, compared to $1.16 in the prior year quarter.
  • Net interest income of $146.4 million, quarterly increase of $2.9 million.
  • Total loans of $11.2 billion, quarterly increase of $140.5 million, or 5% annualized.
  • Total deposits of $13.1 billion, quarterly increase of $681.2 million.

Headline financials

Total Revenue

$167M

Previous: $166M+0.5%
EPS (adj)

$1.32

Previous: $1.21+9.1%
ROAA

1.3%

Previous: 1.2%+3.3%
ROATCE

13.6%

Previous: 14.4%-5.2%
Net interest margin

4.1%

Previous: 4.2%-2.4%
Capital Expenditures

-$1.88M

Previous: $4.36M-143.1%
Net Income

$48.8M

Previous: $44.5M+9.7%
Operating Income

$60.6M

Previous: $55.5M+9.2%

Revenue & EPS history

Enterprise Financial · Revenue · Quarterly

$167M

Q4 2024+0.5%vs Q4 2023
Beat estimate in 8 of 13 quarters(62%)
ActualEstimate

Forward guidance

As we look to 2025, we expect to continue to leverage these investments and capitalize on opportunities to grow and strengthen the Company.

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 Q4 2024

Historical avgQ4 2024

+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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