📈 Price History

Ratio Health

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— Good

— Average

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By Category

📊 Sector Averages

About

Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, New Mexico, and in the United States.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding EFSC

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	66.3K	$3.6M	0.00%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

The CEO opened with 'very strong consistent results' and 'very pleased'. Specific numbers were provided (EPS $1.36, ROAA 1.31%, NIM 4.21%, loan growth 4% annualized). Guidance for loan growth to accelerate to 5-7% in H2 was given with clear rationale.

Q3 2025

Confident Specific

Management repeatedly uses phrases like 'another very solid quarter', 'I am confident', 'exceptional' deposit growth, and 'well-positioned balance sheet'. They provide specific dollar figures and percentages for loan growth (6% annualized), net interest income increase ($5.5 million), and dividend increase ($0.01). Acknowledgment of credit issues is offset by detailed explanations and assurance of no expected principal loss.

Q4 2025

Confident Specific

Management uses specific figures (e.g., EPS $1.45, NIM 4.26%, NPA reduction path) and repeatedly states 'clear path', 'well positioned', 'pleased with results', projecting certainty about credit improvement and future growth.

Q1 2026 latest

Confident Specific

The CEO characterized performance as solid and on plan, provided specific guidance on margin (low to mid 4.2%) and loan growth (mid-single-digit), but acknowledged geopolitical uncertainty from the Iran conflict may temper near-term growth.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears stronger after this call due to concrete progress on OREO resolution, stable NIM despite rate headwinds, and capital returns via buybacks and dividend increase. The balance sheet remains well-positioned with strong capital and deposit diversification. However, the lingering geopolitical uncertainty (Iran conflict) and cautious borrower sentiment may delay organic loan growth, making it uneven in the near term. Watch next quarter for closing of OREO sales (expected in Q2 and Q4), loan growth reacceleration especially in core markets, and any further credit cracks from the qualitative reserve build.

AI-generated concall tone analysis · Updated 2026-06-09 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED EFSC Q1 2026: EPS $1.30, NIM 4.28%, ROAA 1.16%

Revenue & Profitability

In Q1 2026, EFSC reported net income of $49 million, diluted EPS of $1.30, and pre-provision earnings of $70 million. Net interest income was $166 million with a net interest margin of 4.28% (up 2 bps). Net charge-offs totaled $4.4 million (15 bps of loans), and the provision for credit losses was $7.2 million. Return on average tangible common equity was 12.53%, and tangible book value per share was $41.38. Adjusted EPS was $1.31.

Outlook

Management is 'bullish on overall mid-single-digit balance sheet growth for the year' but acknowledges that the Iran conflict creates uncertainty, making borrower confidence 'day-to-day' and potentially leading to more uneven loan growth. A quick stabilization could improve the outlook. The net interest margin is expected to remain stable in the low-to-mid 4.2% range, with consistent net interest income growth over the next few quarters.

Growth Drivers

Key growth levers include core C&I and owner-occupied real estate ($97 million growth in Q1), life insurance premium finance ($21 million), and national deposit verticals (20% annualized growth in Q1, up $187 million). The West region, particularly Southern California with new talent hired in 2025, shows a growing pipeline of quality CRE and C&I relationships. The 2026 target is mid-single-digit organic balance sheet growth.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Net interest margin expanded two basis points to 4.28%, driven by a 12 bps drop in cost of deposits to 1.52% and a 15 bps reduction in cost of interest-bearing liabilities. The core efficiency ratio was 60.2% (vs. 58.3% linked quarter) due to seasonal compensation and branch acquisition expenses. Management expects NIM to remain stable in the low-to-mid 4.2% range with a consistent growth in net interest income.

Key Risks

Risks highlighted include the Iran conflict's negative impact on borrower confidence and loan growth, potential credit losses from oil price and market uncertainty (a qualitative factor was added to the allowance), and uneven organic growth. The company continues to work through seven OREO properties (four under contract) from a 2025 relationship, though no losses are expected.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-23

Q2 2026 net income was $41M ($1.09/share), impacted by higher provision expenses from two large charge-offs, though core performance and loan growth remained solid. Net interest income and margin improved, capital levels are strong, and loan growth guidance remains mid-single digits.

Q1 2026 Q1 2026 2026-04-23

Q1 2026 saw stable net interest income, strong capital, and improved asset quality, with EPS at $1.30 and a 1.16% ROAA. Loan growth was offset by paydowns, while deposit costs declined and the dividend was raised. Management expects stable margins and mid-single-digit loan growth for 2026.

Q4 2025 Q4 2025 2026-01-27

Q4 2025 saw strong EPS and net income growth, driven by a successful branch acquisition, robust loan and deposit growth, and improved margins. Asset quality is expected to normalize in 2026 as OREO sales progress, while capital and liquidity remain strong.

Q3 2025 Q3 2025 2025-10-28

Loan and deposit growth remained strong, with net interest margin expanding to 4.23% and robust specialty deposit performance. Asset quality was impacted by a few large non-performing loans, but full recovery is expected. Capital ratios are at record highs, and the recent branch acquisition is set to drive further growth.

Q2 2025 Q2 2025 2025-07-29

Q2 2025 delivered strong EPS growth, margin expansion, and stable asset quality, with all regions contributing to loan and deposit growth. Outlook calls for accelerating loan growth, stable margins, and benefits from a pending branch acquisition.

📊 Analysis Methodology

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