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Enterprise Financial Services (EFSC)
:EFSC
US Market
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Enterprise Financial Services (EFSC) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 27, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
1.29
Last Year’s EPS
1.32
Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 28, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call revealed a strong financial performance with consistent growth in earnings, net interest income, and deposits. The company's capital position remains robust, and there is optimism for continued growth. However, challenges such as economic uncertainty and increased legal expenses were acknowledged.
Company Guidance
During the second quarter of fiscal year 2025, Enterprise Financial Services Corp. reported an earnings per share of $1.36, marking an increase from $1.31 in the previous quarter and $1.19 in the same quarter of 2024. The company's net interest income improved by $5.2 million, contributing to a net interest margin expansion of 6 basis points, reaching 4.21%. Loan growth was recorded at 4% annualized, or $110 million, with a yield improvement of 14 basis points, reaching 7.26%. Deposits grew by $73 million in the quarter, with a year-over-year increase of nearly $800 million, maintaining a loan-to-deposit ratio of 86%. Additionally, the tangible common equity ratio remained strong at 9.42%, supporting a 13.96% return on tangible common equity. The company announced a dividend increase to $0.31 per share for the third quarter. Asset quality was stable, with negligible net charge-offs and a noted $3 million recovery. Looking ahead, the company anticipates further opportunities for growth, buoyed by a strong balance sheet and favorable economic conditions.
Strong Quarterly Earnings
Enterprise Financial Services Corp reported earnings per share of $1.36 for the second quarter of 2025, a $0.05 increase over the previous quarter and a $0.17 increase from the same quarter last year.
Net Interest Income Growth
Net interest income increased by $5.2 million, marking the fifth consecutive quarter of growth, with net interest margin expanding by 6 basis points to 4.21%.
Loan and Deposit Growth
Loan growth was 4% annualized, amounting to $110 million, with deposits growing by $73 million net of broker deposits. Year-over-year, core deposits grew by almost $800 million.
Strong Capital Position
The company's tangible common equity to tangible assets ratio was 9.42%, with a 13.96% return on tangible common equity. Tangible book value per share increased 15% on an annualized basis.
Positive Client Outlook
Most clients continue to perform well, with sales and profits in line with 2024, suggesting solid performance for the remainder of 2025 and into 2026.
Dividend Increase
The company increased its dividend by $0.01 per share for the third quarter of 2025 to $0.31 per share.

Enterprise Financial Services (EFSC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

EFSC Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 27, 2025
2025 (Q3)
1.29 / -
1.32
Jul 28, 2025
2025 (Q2)
1.21 / 1.36
1.1914.29% (+0.17)
Apr 28, 2025
2025 (Q1)
1.17 / 1.31
1.0524.76% (+0.26)
Jan 27, 2025
2024 (Q4)
1.18 / 1.28
1.1610.34% (+0.12)
Oct 21, 2024
2024 (Q3)
1.14 / 1.32
1.1712.82% (+0.15)
Jul 22, 2024
2024 (Q2)
1.06 / 1.19
1.29-7.75% (-0.10)
Apr 22, 2024
2024 (Q1)
1.11 / 1.05
1.46-28.08% (-0.41)
Jan 22, 2024
2023 (Q4)
1.19 / 1.16
1.58-26.58% (-0.42)
Oct 23, 2023
2023 (Q3)
1.24 / 1.17
1.32-11.36% (-0.15)
Jul 24, 2023
2023 (Q2)
1.29 / 1.29
1.198.40% (+0.10)
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
Jul 28, 2025
$56.38$56.62+0.43%
Apr 28, 2025
$51.69$51.37-0.62%
Jan 27, 2025
$56.92$59.38+4.32%
Oct 21, 2024
$50.73$52.15+2.80%
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 (EFSC) report earnings?
Enterprise Financial Services (EFSC) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).
    What is Enterprise Financial Services (EFSC) earnings time?
    Enterprise Financial Services (EFSC) earnings time is at Oct 27, 2025, 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 2025 (Q3) is 1.29.
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