The earnings call reflected a strong financial performance with significant growth in earnings per share, net interest income, and deposits. The company maintained a strong capital position and increased its dividend, signaling confidence in future growth. While there were challenges related to economic uncertainty and increased expenses, the overall sentiment was positive due to the company's strategic growth and financial achievements.

Company Guidance -

Q3 2025

During the Enterprise Financial Services Corp.'s second-quarter earnings call for 2025, the company reported strong financial performance, highlighting several key metrics. Earnings per diluted share increased to $1.36 compared to $1.31 in the first quarter and $1.19 in the same quarter of the previous year. The adjusted return on assets was 1.31%, with a pre-provision ROAA of 1.72%. Net interest income grew by $5.2 million, and the net interest margin expanded by 6 basis points to 4.21%. Loan growth was annualized at 4%, equating to $110 million, while deposits increased by $73 million net of brokered deposits. The tangible common equity to tangible assets ratio was 9.42%, with a return on tangible common equity of 13.96%. Additionally, the company announced a dividend increase to $0.31 per share for the third quarter. Asset quality remained stable, with net charge-offs being negligible and nonperforming assets slightly decreasing. The company expressed confidence in continued growth and financial performance for the remainder of 2025 and into 2026.

Earnings Per Share Growth

Earnings per diluted share increased to $1.36 from $1.31 in the previous quarter and $1.19 in the second quarter of 2024.

Net Interest Income and Margin Expansion

Net interest income increased by $5.2 million, and net interest margin expanded by 6 basis points to 4.21%, marking the fifth consecutive quarter of net interest income growth.

Loan and Deposit Growth

Annualized loan growth was 4%, totaling $110 million, with all geographic markets showing loan growth. Deposits grew by $73 million in the quarter, and the core deposit base grew by $800 million year-over-year.

Strong Capital and Liquidity Position

Tangible common equity to tangible assets ratio was 9.42%, and return on tangible common equity was 13.96%. The company is in a strong liquidity position with expected addition of $700 million in well-priced deposits.

Dividend Increase

The company increased its dividend by $0.01 per share for the third quarter of 2025, bringing it to $0.31 per share.

Positive Asset Quality Trends

Nonperforming assets decreased slightly, and net charge-offs were negligible, aided by a $3 million recovery on a previously charged-off loan.

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

Daily Earnings Calendar >

EFSC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.29 / -	1.32	―	―	―
Jul 28, 2025	2025 (Q2)	1.21 / 1.36	1.19	14.29% (+0.17)
Apr 28, 2025	2025 (Q1)	1.17 / 1.31	1.05	24.76% (+0.26)
Jan 27, 2025	2024 (Q4)	1.18 / 1.28	1.16	10.34% (+0.12)
Oct 21, 2024	2024 (Q3)	1.14 / 1.32	1.17	12.82% (+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	1.19	8.40% (+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 Corp. (EFSC) report earnings?

Enterprise Financial Services Corp. (EFSC) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Enterprise Financial Services Corp. (EFSC) earnings time?

Enterprise Financial Services Corp. (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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing