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Enterprise Financial Services Corp. (EFSC)
NASDAQ:EFSC
Earnings Data
Report Date
Apr 27, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.29Last Year’s EPS
1.31Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed mostly positive operating and financial momentum: stronger-than-expected earnings, expanding net interest income and margin, robust deposit gathering, successful integration of a strategic branch acquisition, and continued capital returns and tangible book value growth. Counterbalancing these positives are elevated NPAs/OREO and a Q4 spike in net charge-offs driven largely by the resolution of a major Southern California relationship, some noninterest income volatility and one-time acquisition-related expense pressure. Management communicated a clear action plan and timeline to resolve the largest credit items and expects NPAs to normalize within 1–2 quarters while defending margin and pursuing mid-single-digit loan growth in 2026.Company Guidance
Strong Quarterly and Annual Earnings
Q4 diluted EPS of $1.45, up from $1.19 in the linked quarter (+21.8%) and $1.28 in Q4 2024 (+13.3%). Full-year 2025 net income of $201 million or $5.31 per diluted share. Adjusted Q4 EPS was $1.36, up $0.16 from the prior-quarter adjusted EPS of $1.20 (+13.3%).
Robust Net Interest Income and Margin
Net interest income expanded to $168 million in Q4, an increase of $10 million vs. the linked quarter and $22 million YoY. Quarterly net interest margin was 4.26% (tax equivalent), up 3 basis points from the prior quarter. Management expects NIM run-rate around 4.2% into 2026.
Balance Sheet Growth Exceeds Target
Balance sheet grew 11% for 2025 (exceeding mid- to high-single-digit goal). Loans grew $217 million in Q4 and $580 million for the year; adjusted organic loan growth was in line with mid-single-digit expectations when accounting for SBA sales, OREO transfers and participations sold.
Exceptional Deposit Growth and Funding Mix
Deposits grew $1.0 billion in Q4 and ~11% year-over-year (~$1.5 billion), including $609 million from the branch acquisition. Organic deposit growth for the year was 6.5% (~$854 million). Noninterest-bearing deposits increased (DDA to total deposits improved to 33.4%) and quarterly cost of deposits declined to 1.64%.
Strategic Branch Acquisition and Successful Integration
Branch purchase in Arizona and Kansas accelerated market strategy, contributed materially to Q4 NII and deposits (approx. $609 million acquired deposits), and management reports positive feedback from onboarding clients and associates.
Capital Returns and Tangible Book Value Growth
Tangible book value per share of $41.37 remained stable vs. the linked quarter and grew ~11% for the year. Repurchased ~258,000 shares in 2025 (avg $54.60) and repurchased 67,000 shares in Q4 (avg $52.64). Increased annual dividend by $0.16 to $1.22 for 2025 and raised quarterly dividend by $0.01 for early 2026.
Solid Capital and Profitability Metrics
Tangible common equity to tangible assets ~9.07% (9.1% reported), common equity Tier 1 ratio 11.6%, return on average assets ~1.27%-1.3% and return on tangible common equity ~14% in Q4 — demonstrating strong capital and earnings generation.
Progress Toward Resolving Major Real Estate Relationship
Following a favorable bankruptcy ruling, 6 of 7 Southern California properties were moved into OREO in December. Management expects receipt of purchase-sale agreements and anticipates materially reducing NPAs and OREO over the next 1–2 quarters, with proceeds at or above carrying value expected on several assets.
Diversified Loan Portfolio and Specialty Lending Momentum
Commercial-related categories (C&I, owner-occupied CRE, SBA, sponsor finance) represent just over 50% of the portfolio; specialty lines like SBA owner-occupied CRE originations topped $250 million for the year and life insurance premium finance and tax credit finance grew, with the Southwest market showing outperformance.
EFSC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EFSC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $55.92 | ― | ― |
Sep 30, 2025 | $57.65 | $56.98 | -1.16% |
Jul 28, 2025 | $55.77 | $56.01 | +0.43% |
Apr 28, 2025 | $51.14 | $50.82 | -0.63% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Enterprise Financial Services Corp. (EFSC) report earnings?
Enterprise Financial Services Corp. (EFSC) is schdueled to report earning on Apr 27, 2026, After Close (Confirmed).
What is Enterprise Financial Services Corp. (EFSC) earnings time?
Enterprise Financial Services Corp. (EFSC) earnings time is at Apr 27, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EFSC EPS forecast?
EFSC EPS forecast for the fiscal quarter 2026 (Q1) is 1.29.