Annual Income Statements for Enterprise Financial Services
This table shows Enterprise Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Enterprise Financial Services
This table shows Enterprise Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
49 |
59 |
55 |
48 |
44 |
44 |
39 |
45 |
50 |
48 |
49 |
Consolidated Net Income / (Loss) |
|
50 |
60 |
56 |
49 |
45 |
45 |
40 |
45 |
51 |
49 |
50 |
Net Income / (Loss) Continuing Operations |
|
50 |
60 |
56 |
49 |
45 |
45 |
40 |
45 |
51 |
49 |
50 |
Total Pre-Tax Income |
|
64 |
76 |
71 |
63 |
57 |
56 |
51 |
57 |
63 |
61 |
61 |
Total Revenue |
|
134 |
156 |
156 |
155 |
154 |
166 |
150 |
156 |
165 |
167 |
166 |
Net Interest Income / (Expense) |
|
124 |
139 |
140 |
141 |
142 |
141 |
138 |
141 |
143 |
146 |
148 |
Total Interest Income |
|
136 |
157 |
169 |
188 |
201 |
207 |
208 |
212 |
216 |
215 |
212 |
Loans and Leases Interest Income |
|
118 |
139 |
153 |
170 |
180 |
185 |
187 |
189 |
192 |
188 |
182 |
Investment Securities Interest Income |
|
13 |
14 |
15 |
16 |
16 |
17 |
18 |
18 |
19 |
22 |
25 |
Deposits and Money Market Investments Interest Income |
|
4.19 |
3.10 |
1.20 |
2.10 |
4.51 |
5.63 |
3.57 |
4.39 |
5.35 |
5.61 |
5.12 |
Total Interest Expense |
|
11 |
18 |
30 |
47 |
59 |
66 |
70 |
71 |
73 |
69 |
64 |
Deposits Interest Expense |
|
8.69 |
15 |
25 |
41 |
55 |
62 |
64 |
66 |
69 |
65 |
59 |
Long-Term Debt Interest Expense |
|
2.42 |
2.48 |
3.74 |
3.71 |
2.61 |
2.48 |
3.51 |
3.25 |
2.75 |
2.68 |
2.85 |
Federal Funds Purchased and Securities Sold Interest Expense |
|
0.30 |
0.66 |
1.10 |
2.12 |
1.31 |
1.54 |
2.01 |
1.50 |
1.31 |
1.34 |
2.15 |
Total Non-Interest Income |
|
9.45 |
17 |
17 |
14 |
12 |
25 |
12 |
15 |
21 |
21 |
18 |
Provision for Credit Losses |
|
0.68 |
2.12 |
4.18 |
6.34 |
8.03 |
18 |
5.76 |
4.82 |
4.10 |
6.83 |
5.18 |
Total Non-Interest Expense |
|
69 |
77 |
81 |
86 |
89 |
93 |
94 |
94 |
98 |
100 |
100 |
Salaries and Employee Benefits |
|
37 |
38 |
43 |
42 |
41 |
40 |
45 |
45 |
45 |
48 |
48 |
Net Occupancy & Equipment Expense |
|
8.04 |
7.85 |
7.77 |
7.62 |
8.03 |
8.31 |
8.67 |
9.54 |
9.92 |
8.78 |
9.24 |
Other Operating Expenses |
|
24 |
31 |
31 |
37 |
40 |
45 |
40 |
40 |
43 |
43 |
42 |
Income Tax Expense |
|
14 |
16 |
16 |
14 |
12 |
11 |
10 |
12 |
12 |
12 |
11 |
Preferred Stock Dividends Declared |
|
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
0.94 |
Basic Earnings per Share |
|
$1.32 |
$1.58 |
$1.47 |
$1.29 |
$1.17 |
$1.16 |
$1.05 |
$1.19 |
$1.33 |
$1.29 |
$1.33 |
Weighted Average Basic Shares Outstanding |
|
37.22M |
37.28M |
37.31M |
37.38M |
37.39M |
37.47M |
37.49M |
37.37M |
37.13M |
36.98M |
36.93M |
Diluted Earnings per Share |
|
$1.32 |
$1.57 |
$1.46 |
$1.29 |
$1.17 |
$1.15 |
$1.05 |
$1.19 |
$1.32 |
$1.27 |
$1.31 |
Weighted Average Diluted Shares Outstanding |
|
37.22M |
37.28M |
37.31M |
37.38M |
37.39M |
37.47M |
37.49M |
37.37M |
37.13M |
36.98M |
36.93M |
Weighted Average Basic & Diluted Shares Outstanding |
|
37.22M |
37.28M |
37.31M |
37.38M |
37.39M |
37.47M |
37.49M |
37.37M |
37.13M |
36.98M |
36.93M |
Cash Dividends to Common per Share |
|
$0.23 |
- |
$0.25 |
$0.25 |
$0.25 |
- |
$0.25 |
$0.26 |
$0.27 |
- |
$0.29 |
Annual Cash Flow Statements for Enterprise Financial Services
This table details how cash moves in and out of Enterprise Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-110 |
-6.54 |
105 |
-45 |
43 |
-29 |
370 |
1,484 |
-1,730 |
142 |
331 |
Net Cash From Operating Activities |
|
31 |
47 |
83 |
46 |
109 |
92 |
136 |
161 |
217 |
268 |
247 |
Net Cash From Continuing Operating Activities |
|
31 |
47 |
83 |
46 |
109 |
92 |
136 |
161 |
217 |
268 |
247 |
Net Income / (Loss) Continuing Operations |
|
27 |
38 |
49 |
48 |
89 |
93 |
74 |
133 |
203 |
194 |
185 |
Consolidated Net Income / (Loss) |
|
27 |
38 |
49 |
48 |
89 |
93 |
74 |
133 |
203 |
194 |
185 |
Provision For Loan Losses |
|
5.49 |
0.46 |
3.61 |
10 |
6.64 |
6.37 |
65 |
13 |
-0.61 |
37 |
22 |
Depreciation Expense |
|
2.24 |
2.02 |
2.43 |
3.28 |
3.53 |
5.72 |
6.15 |
6.15 |
5.57 |
5.09 |
5.15 |
Amortization Expense |
|
5.06 |
4.35 |
4.15 |
5.02 |
4.19 |
8.52 |
12 |
15 |
14 |
10 |
9.02 |
Non-Cash Adjustments to Reconcile Net Income |
|
-7.55 |
-15 |
-8.46 |
23 |
1.99 |
-7.91 |
-24 |
9.91 |
15 |
14 |
3.11 |
Changes in Operating Assets and Liabilities, net |
|
-0.92 |
17 |
32 |
-44 |
3.23 |
-13 |
0.88 |
-17 |
-20 |
8.71 |
23 |
Net Cash From Investing Activities |
|
-213 |
-337 |
-358 |
-312 |
-332 |
-379 |
-703 |
-23 |
-1,384 |
-1,308 |
-797 |
Net Cash From Continuing Investing Activities |
|
-213 |
-337 |
-358 |
-312 |
-332 |
-379 |
-703 |
-23 |
-1,384 |
-1,308 |
-797 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-1.90 |
-2.11 |
-2.50 |
-2.55 |
-3.04 |
-6.34 |
-2.26 |
-2.50 |
-1.93 |
-6.56 |
-7.48 |
Purchase of Investment Securities |
|
-328 |
-499 |
-508 |
-670 |
-488 |
-965 |
-1,152 |
-447 |
-1,671 |
-1,728 |
-1,230 |
Sale of Property, Leasehold Improvements and Equipment |
|
- |
- |
- |
- |
- |
- |
0.00 |
0.00 |
1.70 |
0.36 |
0.00 |
Sale and/or Maturity of Investments |
|
107 |
161 |
152 |
360 |
159 |
593 |
451 |
426 |
288 |
427 |
440 |
Net Cash From Financing Activities |
|
71 |
284 |
380 |
221 |
266 |
257 |
938 |
1,347 |
-563 |
1,181 |
881 |
Net Cash From Continuing Financing Activities |
|
71 |
284 |
380 |
221 |
266 |
257 |
938 |
1,347 |
-563 |
1,181 |
881 |
Net Change in Deposits |
|
-43 |
293 |
449 |
158 |
432 |
102 |
1,133 |
1,518 |
-515 |
1,347 |
970 |
Issuance of Debt |
|
1,228 |
946 |
1,406 |
10 |
2.00 |
187 |
-110 |
-160 |
100 |
-100 |
0.00 |
Repayment of Debt |
|
-1,138 |
-986 |
-1,467 |
-10 |
-103 |
-8.71 |
-90 |
-57 |
-56 |
-5.71 |
-11 |
Repurchase of Common Equity |
|
-0.68 |
-1.19 |
-7.09 |
-20 |
-22 |
-16 |
-15 |
-61 |
-33 |
0.00 |
-30 |
Payment of Dividends |
|
-4.18 |
-5.26 |
-8.21 |
-10 |
-11 |
-17 |
-20 |
-26 |
-38 |
-41 |
-43 |
Other Financing Activities, Net |
|
31 |
37 |
7.98 |
93 |
-32 |
9.44 |
40 |
60 |
-22 |
-19 |
-5.14 |
Cash Interest Paid |
|
15 |
13 |
13 |
25 |
46 |
66 |
35 |
24 |
41 |
195 |
284 |
Cash Income Taxes Paid |
|
8.99 |
16 |
26 |
12 |
10 |
14 |
7.51 |
57 |
46 |
50 |
28 |
Quarterly Cash Flow Statements for Enterprise Financial Services
This table details how cash moves in and out of Enterprise Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Change in Cash & Equivalents |
|
-200 |
-454 |
-6.28 |
37 |
49 |
62 |
-64 |
23 |
34 |
338 |
-283 |
Net Cash From Operating Activities |
|
73 |
29 |
69 |
71 |
49 |
79 |
30 |
77 |
89 |
52 |
40 |
Net Cash From Continuing Operating Activities |
|
73 |
29 |
69 |
71 |
49 |
79 |
30 |
77 |
89 |
52 |
40 |
Net Income / (Loss) Continuing Operations |
|
50 |
60 |
56 |
49 |
45 |
45 |
40 |
45 |
51 |
49 |
50 |
Consolidated Net Income / (Loss) |
|
50 |
60 |
56 |
49 |
45 |
45 |
40 |
45 |
51 |
49 |
50 |
Provision For Loan Losses |
|
0.68 |
2.12 |
4.18 |
6.34 |
8.03 |
18 |
5.76 |
4.82 |
4.10 |
6.83 |
5.18 |
Depreciation Expense |
|
1.38 |
1.31 |
1.27 |
1.27 |
1.27 |
1.27 |
1.25 |
1.34 |
1.32 |
1.24 |
1.33 |
Amortization Expense |
|
3.14 |
3.32 |
4.41 |
3.12 |
4.09 |
-1.37 |
3.21 |
2.45 |
1.25 |
2.11 |
2.53 |
Non-Cash Adjustments to Reconcile Net Income |
|
4.03 |
1.23 |
4.89 |
0.45 |
0.67 |
7.52 |
1.64 |
1.97 |
2.15 |
-2.65 |
-3.37 |
Changes in Operating Assets and Liabilities, net |
|
14 |
-39 |
-1.32 |
10 |
-9.26 |
8.98 |
-22 |
20 |
30 |
-4.40 |
-16 |
Net Cash From Investing Activities |
|
-150 |
-472 |
-278 |
-526 |
-114 |
-389 |
-181 |
-0.07 |
-283 |
-333 |
-366 |
Net Cash From Continuing Investing Activities |
|
-150 |
-472 |
-278 |
-526 |
-114 |
-389 |
-181 |
-0.07 |
-283 |
-333 |
-366 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-0.32 |
-0.61 |
-0.68 |
-0.92 |
-0.59 |
-4.36 |
-2.95 |
-1.79 |
-0.85 |
-1.88 |
-4.40 |
Purchase of Investment Securities |
|
-220 |
-545 |
-426 |
-616 |
-216 |
-470 |
-302 |
-65 |
-377 |
-486 |
-517 |
Sale and/or Maturity of Investments |
|
69 |
74 |
148 |
91 |
102 |
85 |
125 |
66 |
95 |
154 |
155 |
Net Cash From Financing Activities |
|
-123 |
-11 |
203 |
492 |
114 |
372 |
87 |
-53 |
228 |
619 |
43 |
Net Cash From Continuing Financing Activities |
|
-123 |
-11 |
203 |
492 |
114 |
372 |
87 |
-53 |
228 |
619 |
43 |
Net Change in Deposits |
|
-35 |
-228 |
325 |
465 |
290 |
266 |
77 |
29 |
183 |
681 |
-112 |
Issuance of Debt |
|
- |
100 |
0.00 |
50 |
-150 |
- |
125 |
-47 |
72 |
-150 |
205 |
Repayment of Debt |
|
-204 |
151 |
-111 |
-14 |
-17 |
136 |
-103 |
-17 |
-7.46 |
116 |
-25 |
Repurchase of Common Equity |
|
- |
- |
- |
- |
- |
- |
- |
- |
-9.79 |
-11 |
-11 |
Payment of Dividends |
|
-9.50 |
-9.88 |
-10 |
-10 |
-10 |
-10 |
-10 |
-11 |
-11 |
-11 |
-12 |
Other Financing Activities, Net |
|
125 |
-23 |
-1.74 |
1.39 |
0.96 |
-20 |
-2.43 |
1.47 |
1.08 |
-5.26 |
-2.06 |
Cash Interest Paid |
|
11 |
18 |
27 |
47 |
55 |
66 |
71 |
72 |
72 |
70 |
64 |
Cash Income Taxes Paid |
|
16 |
16 |
0.00 |
22 |
12 |
16 |
0.02 |
14 |
13 |
0.95 |
6.64 |
Annual Balance Sheets for Enterprise Financial Services
This table presents Enterprise Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
3,277 |
3,608 |
4,081 |
5,289 |
5,646 |
7,334 |
9,752 |
13,537 |
13,054 |
14,519 |
15,596 |
Cash and Due from Banks |
|
43 |
48 |
54 |
91 |
92 |
75 |
100 |
209 |
230 |
193 |
271 |
Federal Funds Sold |
|
0.04 |
0.09 |
0.45 |
1.22 |
1.71 |
3.06 |
1.52 |
1.36 |
1.75 |
2.88 |
5.71 |
Interest Bearing Deposits at Other Banks |
|
63 |
47 |
145 |
64 |
107 |
93 |
444 |
1,811 |
68 |
241 |
489 |
Trading Account Securities |
|
463 |
513 |
556 |
742 |
814 |
1,173 |
961 |
1,366 |
2,310 |
2,435 |
2,864 |
Loans and Leases, Net of Allowance |
|
2,487 |
2,782 |
3,115 |
4,054 |
4,307 |
5,271 |
7,088 |
-145 |
9,600 |
10,749 |
11,082 |
Loans and Leases |
|
2,518 |
2,815 |
3,158 |
4,097 |
4,350 |
5,314 |
7,225 |
- |
9,737 |
10,884 |
11,220 |
Allowance for Loan and Lease Losses |
|
30 |
33 |
43 |
43 |
43 |
43 |
137 |
145 |
137 |
135 |
138 |
Loans Held for Sale |
|
4.03 |
6.60 |
9.56 |
3.16 |
0.39 |
5.57 |
14 |
- |
1.23 |
0.36 |
0.11 |
Premises and Equipment, Net |
|
15 |
15 |
15 |
33 |
32 |
60 |
53 |
48 |
43 |
43 |
45 |
Goodwill |
|
30 |
30 |
30 |
117 |
117 |
210 |
261 |
365 |
365 |
365 |
365 |
Intangible Assets |
|
4.16 |
3.08 |
2.15 |
11 |
8.55 |
26 |
23 |
22 |
17 |
12 |
8.48 |
Other Assets |
|
167 |
164 |
154 |
173 |
167 |
416 |
806 |
60 |
419 |
477 |
465 |
Total Liabilities & Shareholders' Equity |
|
3,277 |
3,608 |
4,081 |
5,289 |
5,646 |
7,334 |
9,752 |
13,537 |
13,054 |
14,519 |
15,596 |
Total Liabilities |
|
2,961 |
3,258 |
3,694 |
4,741 |
5,042 |
6,467 |
8,673 |
906 |
11,532 |
12,803 |
13,772 |
Non-Interest Bearing Deposits |
|
643 |
717 |
867 |
1,124 |
1,101 |
1,327 |
2,712 |
- |
4,643 |
3,959 |
4,484 |
Interest Bearing Deposits |
|
1,849 |
2,067 |
2,367 |
3,033 |
3,487 |
4,444 |
5,274 |
800 |
6,186 |
8,218 |
8,662 |
Short-Term Debt |
|
- |
270 |
277 |
254 |
221 |
231 |
301 |
- |
324 |
298 |
281 |
Long-Term Debt |
|
441 |
167 |
106 |
291 |
190 |
398 |
254 |
- |
255 |
156 |
157 |
Other Long-Term Liabilities |
|
28 |
35 |
77 |
38 |
42 |
67 |
132 |
106 |
123 |
172 |
189 |
Total Equity & Noncontrolling Interests |
|
316 |
351 |
387 |
549 |
604 |
867 |
1,079 |
1,529 |
1,522 |
1,716 |
1,824 |
Total Preferred & Common Equity |
|
316 |
351 |
387 |
549 |
604 |
867 |
1,079 |
1,529 |
1,522 |
1,716 |
1,824 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
72 |
72 |
72 |
72 |
Total Common Equity |
|
316 |
351 |
387 |
549 |
604 |
867 |
1,079 |
1,457 |
1,450 |
1,644 |
1,752 |
Common Stock |
|
208 |
211 |
213 |
350 |
351 |
527 |
698 |
1,019 |
983 |
996 |
991 |
Retained Earnings |
|
108 |
142 |
182 |
225 |
305 |
381 |
417 |
493 |
598 |
750 |
878 |
Accumulated Other Comprehensive Income / (Loss) |
|
1.68 |
0.22 |
-1.74 |
-3.82 |
-9.28 |
18 |
37 |
19 |
-130 |
-101 |
-117 |
Quarterly Balance Sheets for Enterprise Financial Services
This table presents Enterprise Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Total Assets |
|
12,995 |
13,326 |
13,871 |
14,025 |
14,613 |
14,616 |
14,954 |
15,677 |
Cash and Due from Banks |
|
264 |
211 |
203 |
191 |
158 |
177 |
211 |
260 |
Federal Funds Sold |
|
1.06 |
2.75 |
0.96 |
1.70 |
1.05 |
1.71 |
2.53 |
8.11 |
Interest Bearing Deposits at Other Banks |
|
489 |
78 |
124 |
183 |
215 |
218 |
216 |
215 |
Trading Account Securities |
|
1,526 |
2,339 |
1,617 |
2,280 |
1,686 |
2,461 |
2,714 |
3,109 |
Loans and Leases, Net of Allowance |
|
9,214 |
9,874 |
10,371 |
10,475 |
10,893 |
10,861 |
10,940 |
11,156 |
Loans and Leases |
|
9,355 |
10,012 |
10,513 |
10,617 |
11,028 |
11,000 |
11,080 |
11,299 |
Allowance for Loan and Lease Losses |
|
141 |
138 |
141 |
142 |
135 |
139 |
140 |
143 |
Loans Held for Sale |
|
0.79 |
0.26 |
0.55 |
0.21 |
0.61 |
0.61 |
0.30 |
0.00 |
Premises and Equipment, Net |
|
44 |
42 |
42 |
41 |
44 |
45 |
44 |
48 |
Goodwill |
|
365 |
365 |
365 |
365 |
365 |
365 |
365 |
365 |
Intangible Assets |
|
18 |
16 |
15 |
13 |
11 |
10 |
9.40 |
7.63 |
Other Assets |
|
1,073 |
398 |
1,133 |
476 |
1,239 |
478 |
451 |
508 |
Total Liabilities & Shareholders' Equity |
|
12,995 |
13,326 |
13,871 |
14,025 |
14,613 |
14,616 |
14,954 |
15,677 |
Total Liabilities |
|
11,549 |
11,733 |
12,253 |
12,413 |
12,882 |
12,860 |
13,122 |
13,809 |
Non-Interest Bearing Deposits |
|
4,643 |
4,193 |
3,881 |
3,852 |
3,805 |
3,928 |
3,934 |
4,285 |
Interest Bearing Deposits |
|
6,415 |
6,962 |
7,739 |
8,057 |
8,448 |
8,354 |
8,531 |
8,749 |
Short-Term Debt |
|
197 |
- |
- |
- |
- |
178 |
171 |
256 |
Long-Term Debt |
|
155 |
469 |
505 |
338 |
476 |
234 |
306 |
362 |
Other Long-Term Liabilities |
|
138 |
109 |
128 |
165 |
152 |
165 |
180 |
157 |
Commitments & Contingencies |
|
- |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
1,446 |
1,593 |
1,618 |
1,612 |
1,732 |
1,755 |
1,832 |
1,868 |
Total Preferred & Common Equity |
|
1,446 |
1,593 |
1,618 |
1,612 |
1,732 |
1,755 |
1,832 |
1,868 |
Preferred Stock |
|
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
Total Common Equity |
|
1,374 |
1,521 |
1,546 |
1,540 |
1,660 |
1,683 |
1,760 |
1,796 |
Common Stock |
|
980 |
985 |
989 |
992 |
996 |
994 |
993 |
989 |
Retained Earnings |
|
548 |
642 |
681 |
715 |
779 |
811 |
846 |
909 |
Accumulated Other Comprehensive Income / (Loss) |
|
-153 |
-106 |
-123 |
-168 |
-115 |
-122 |
-79 |
-101 |
Annual Metrics And Ratios for Enterprise Financial Services
This table displays calculated financial ratios and metrics derived from Enterprise Financial Services' official financial filings.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
-7.62% |
5.29% |
16.63% |
28.64% |
-9.34% |
0.00% |
12.72% |
31.87% |
24.57% |
18.43% |
1.03% |
EBITDA Growth |
|
-19.91% |
33.97% |
25.70% |
16.44% |
-21.99% |
76.15% |
-15.14% |
71.97% |
46.80% |
-6.18% |
-6.28% |
EBIT Growth |
|
-18.04% |
42.29% |
28.15% |
15.57% |
-23.43% |
75.20% |
-20.76% |
83.40% |
53.86% |
-4.99% |
-6.20% |
NOPAT Growth |
|
-17.92% |
41.50% |
27.01% |
-1.32% |
85.14% |
3.95% |
-19.79% |
78.88% |
52.60% |
-4.42% |
-4.53% |
Net Income Growth |
|
-17.92% |
41.50% |
27.01% |
-1.32% |
85.14% |
3.95% |
-19.79% |
78.88% |
52.60% |
-4.42% |
-4.53% |
EPS Growth |
|
-21.97% |
40.00% |
27.51% |
-14.11% |
85.02% |
-7.31% |
-22.25% |
39.86% |
37.56% |
-4.52% |
-4.73% |
Operating Cash Flow Growth |
|
7.46% |
49.83% |
74.88% |
-44.51% |
137.62% |
-15.03% |
46.57% |
18.49% |
34.92% |
23.82% |
-7.77% |
Free Cash Flow Firm Growth |
|
-270.12% |
106.02% |
805.53% |
-509.77% |
160.63% |
-332.40% |
83.68% |
-17,067.11% |
198.78% |
-98.83% |
-25.57% |
Invested Capital Growth |
|
24.78% |
4.10% |
-2.33% |
42.03% |
-7.11% |
47.33% |
9.20% |
673.18% |
-83.36% |
3.24% |
4.22% |
Revenue Q/Q Growth |
|
-1.22% |
2.15% |
3.68% |
7.09% |
-15.63% |
0.00% |
11.45% |
3.72% |
6.18% |
1.69% |
0.13% |
EBITDA Q/Q Growth |
|
8.64% |
12.34% |
6.40% |
7.56% |
-33.52% |
185.15% |
13.87% |
9.88% |
3.76% |
-9.00% |
3.62% |
EBIT Q/Q Growth |
|
11.70% |
14.39% |
6.48% |
8.32% |
-35.99% |
170.31% |
15.75% |
10.34% |
4.76% |
-7.82% |
2.26% |
NOPAT Q/Q Growth |
|
9.45% |
13.97% |
6.43% |
-11.23% |
21.85% |
6.38% |
-0.21% |
19.68% |
4.74% |
-7.38% |
2.38% |
Net Income Q/Q Growth |
|
9.45% |
13.97% |
6.43% |
-11.23% |
21.85% |
6.38% |
-0.21% |
19.68% |
4.74% |
-7.38% |
2.38% |
EPS Q/Q Growth |
|
8.00% |
14.55% |
6.64% |
-14.46% |
21.97% |
3.20% |
-2.82% |
6.93% |
5.57% |
-7.65% |
2.55% |
Operating Cash Flow Q/Q Growth |
|
-33.85% |
14.56% |
134.04% |
-32.71% |
18.22% |
-19.96% |
7.44% |
13.97% |
-10.78% |
23.03% |
-9.84% |
Free Cash Flow Firm Q/Q Growth |
|
-1,288.29% |
-79.60% |
263.92% |
14.29% |
368.51% |
-32.21% |
-142.74% |
-4,219.66% |
3,128.63% |
115.84% |
152.63% |
Invested Capital Q/Q Growth |
|
12.52% |
17.60% |
1.68% |
-3.47% |
-19.91% |
-9.24% |
3.74% |
551.94% |
16.84% |
11.27% |
-2.07% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
36.08% |
45.91% |
49.48% |
44.79% |
38.54% |
45.25% |
34.07% |
44.43% |
52.36% |
41.48% |
38.48% |
EBIT Margin |
|
30.63% |
41.39% |
45.48% |
40.86% |
34.51% |
40.31% |
28.33% |
39.41% |
48.67% |
39.05% |
36.26% |
Profit (Net Income) Margin |
|
20.28% |
27.25% |
29.68% |
22.77% |
46.49% |
32.21% |
22.92% |
31.09% |
38.09% |
30.74% |
29.05% |
Tax Burden Percent |
|
66.20% |
65.84% |
65.26% |
55.70% |
85.31% |
79.92% |
80.90% |
78.90% |
78.26% |
78.72% |
80.12% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.03% |
157.90% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
33.80% |
34.16% |
34.74% |
44.30% |
14.69% |
20.08% |
19.10% |
21.10% |
21.74% |
21.28% |
19.88% |
Return on Invested Capital (ROIC) |
|
3.99% |
4.98% |
6.27% |
5.17% |
8.46% |
7.39% |
4.75% |
1.87% |
2.76% |
9.09% |
8.36% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
3.99% |
4.98% |
6.27% |
5.17% |
8.46% |
7.39% |
4.75% |
1.87% |
2.76% |
9.09% |
8.36% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.13% |
6.55% |
6.97% |
5.13% |
7.02% |
5.22% |
2.89% |
8.34% |
10.55% |
2.90% |
2.11% |
Return on Equity (ROE) |
|
9.12% |
11.53% |
13.24% |
10.30% |
15.48% |
12.61% |
7.64% |
10.20% |
13.31% |
11.99% |
10.47% |
Cash Return on Invested Capital (CROIC) |
|
-18.06% |
0.96% |
8.63% |
-29.56% |
15.83% |
-30.89% |
-4.04% |
-152.33% |
145.69% |
5.90% |
4.23% |
Operating Return on Assets (OROA) |
|
1.27% |
1.70% |
1.95% |
1.85% |
1.21% |
1.79% |
1.08% |
1.45% |
1.95% |
1.79% |
1.54% |
Return on Assets (ROA) |
|
0.84% |
1.12% |
1.27% |
1.03% |
1.63% |
1.43% |
0.87% |
1.14% |
1.53% |
1.41% |
1.23% |
Return on Common Equity (ROCE) |
|
9.12% |
11.53% |
13.24% |
10.30% |
15.48% |
12.61% |
7.64% |
9.92% |
12.68% |
11.45% |
10.04% |
Return on Equity Simple (ROE_SIMPLE) |
|
8.59% |
10.96% |
12.62% |
8.78% |
14.78% |
10.69% |
6.89% |
8.70% |
13.34% |
11.31% |
10.16% |
Net Operating Profit after Tax (NOPAT) |
|
27 |
38 |
49 |
48 |
89 |
93 |
74 |
133 |
203 |
194 |
185 |
NOPAT Margin |
|
20.28% |
27.25% |
29.68% |
22.77% |
46.49% |
32.21% |
22.92% |
31.09% |
38.09% |
30.74% |
29.05% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
43.46% |
40.41% |
37.35% |
36.24% |
42.68% |
35.43% |
35.38% |
35.85% |
33.43% |
31.09% |
34.43% |
Operating Expenses to Revenue |
|
65.27% |
58.28% |
52.33% |
54.35% |
62.03% |
57.48% |
51.51% |
57.47% |
51.44% |
55.15% |
60.37% |
Earnings before Interest and Taxes (EBIT) |
|
41 |
58 |
75 |
86 |
66 |
116 |
92 |
169 |
259 |
247 |
231 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
48 |
65 |
81 |
95 |
74 |
130 |
111 |
190 |
279 |
262 |
245 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.06 |
1.40 |
1.95 |
1.68 |
0.00 |
1.34 |
0.79 |
1.17 |
1.20 |
0.99 |
1.20 |
Price to Tangible Book Value (P/TBV) |
|
1.19 |
1.55 |
2.13 |
2.20 |
0.00 |
1.84 |
1.07 |
1.60 |
1.63 |
1.29 |
1.52 |
Price to Revenue (P/Rev) |
|
2.50 |
3.49 |
4.59 |
4.36 |
0.00 |
4.03 |
2.63 |
3.99 |
3.26 |
2.58 |
3.28 |
Price to Earnings (P/E) |
|
12.31 |
12.79 |
15.46 |
19.16 |
0.00 |
12.52 |
11.46 |
12.84 |
8.74 |
8.57 |
11.54 |
Dividend Yield |
|
1.24% |
1.07% |
1.09% |
1.10% |
1.30% |
1.42% |
2.21% |
1.68% |
1.93% |
2.29% |
1.88% |
Earnings Yield |
|
8.13% |
7.82% |
6.47% |
5.22% |
0.00% |
7.99% |
8.73% |
7.79% |
11.44% |
11.67% |
8.67% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.88 |
1.06 |
1.22 |
1.20 |
0.21 |
1.08 |
0.53 |
0.00 |
1.00 |
0.79 |
0.81 |
Enterprise Value to Revenue (EV/Rev) |
|
4.99 |
5.91 |
5.70 |
6.20 |
1.10 |
5.62 |
2.66 |
0.00 |
3.92 |
2.72 |
2.88 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
13.84 |
12.87 |
11.52 |
13.84 |
2.86 |
12.43 |
7.79 |
0.00 |
7.49 |
6.57 |
7.49 |
Enterprise Value to EBIT (EV/EBIT) |
|
16.30 |
14.28 |
12.53 |
15.17 |
3.20 |
13.95 |
9.37 |
0.00 |
8.06 |
6.98 |
7.95 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
24.62 |
21.68 |
19.20 |
27.23 |
2.37 |
17.46 |
11.59 |
0.00 |
10.30 |
8.86 |
9.92 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
21.24 |
17.67 |
11.37 |
28.65 |
1.95 |
17.51 |
6.36 |
0.00 |
9.65 |
6.41 |
7.43 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
112.37 |
13.96 |
0.00 |
1.27 |
0.00 |
0.00 |
0.00 |
0.19 |
13.65 |
19.59 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.39 |
1.25 |
0.99 |
0.99 |
0.68 |
0.73 |
0.51 |
0.00 |
0.38 |
0.26 |
0.24 |
Long-Term Debt to Equity |
|
1.39 |
0.48 |
0.27 |
0.53 |
0.31 |
0.46 |
0.24 |
0.00 |
0.17 |
0.09 |
0.09 |
Financial Leverage |
|
1.29 |
1.32 |
1.11 |
0.99 |
0.83 |
0.71 |
0.61 |
4.47 |
3.83 |
0.32 |
0.25 |
Leverage Ratio |
|
10.82 |
10.32 |
10.42 |
10.01 |
9.49 |
8.82 |
8.78 |
8.93 |
8.71 |
8.51 |
8.51 |
Compound Leverage Factor |
|
10.82 |
10.32 |
10.42 |
10.02 |
14.98 |
8.82 |
8.78 |
8.93 |
8.71 |
8.51 |
8.51 |
Debt to Total Capital |
|
58.22% |
55.48% |
49.70% |
49.81% |
40.54% |
42.03% |
33.95% |
0.00% |
27.57% |
20.91% |
19.34% |
Short-Term Debt to Total Capital |
|
0.00% |
34.31% |
35.99% |
23.21% |
21.81% |
15.43% |
18.43% |
0.00% |
15.42% |
13.73% |
12.42% |
Long-Term Debt to Total Capital |
|
58.22% |
21.17% |
13.71% |
26.61% |
18.73% |
26.60% |
15.53% |
0.00% |
12.15% |
7.19% |
6.92% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
4.71% |
3.43% |
3.32% |
3.18% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
41.78% |
44.52% |
50.30% |
50.19% |
59.46% |
57.97% |
66.05% |
95.29% |
69.00% |
75.77% |
77.48% |
Debt to EBITDA |
|
9.12 |
6.75 |
4.70 |
5.74 |
5.57 |
4.83 |
5.02 |
0.00 |
2.08 |
1.73 |
1.78 |
Net Debt to EBITDA |
|
6.92 |
5.28 |
2.24 |
4.10 |
2.86 |
3.51 |
0.08 |
0.00 |
1.00 |
0.06 |
-1.34 |
Long-Term Debt to EBITDA |
|
9.12 |
2.58 |
1.30 |
3.07 |
2.57 |
3.05 |
2.29 |
0.00 |
0.92 |
0.60 |
0.64 |
Debt to NOPAT |
|
16.22 |
11.37 |
7.83 |
11.30 |
4.61 |
6.78 |
7.46 |
0.00 |
2.85 |
2.34 |
2.36 |
Net Debt to NOPAT |
|
12.32 |
8.89 |
3.74 |
8.06 |
2.37 |
4.94 |
0.13 |
0.00 |
1.38 |
0.09 |
-1.77 |
Long-Term Debt to NOPAT |
|
16.22 |
4.34 |
2.16 |
6.04 |
2.13 |
4.29 |
3.41 |
0.00 |
1.26 |
0.80 |
0.85 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
2.76% |
4.72% |
4.45% |
4.07% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-123 |
7.42 |
67 |
-275 |
167 |
-388 |
-63 |
-10,865 |
10,733 |
126 |
94 |
Operating Cash Flow to CapEx |
|
1,656.71% |
2,235.29% |
3,306.13% |
1,798.55% |
3,585.11% |
1,459.00% |
5,998.85% |
6,423.00% |
93,783.55% |
4,327.12% |
3,309.70% |
Free Cash Flow to Firm to Interest Expense |
|
-8.56 |
0.60 |
4.89 |
-10.91 |
3.64 |
-5.84 |
-1.82 |
-471.64 |
260.64 |
0.62 |
0.33 |
Operating Cash Flow to Interest Expense |
|
2.19 |
3.81 |
6.01 |
1.81 |
2.37 |
1.39 |
3.90 |
6.97 |
5.26 |
1.33 |
0.87 |
Operating Cash Flow Less CapEx to Interest Expense |
|
2.06 |
3.64 |
5.83 |
1.71 |
2.30 |
1.30 |
3.83 |
6.86 |
5.26 |
1.30 |
0.85 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.04 |
0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.05 |
0.04 |
Fixed Asset Turnover |
|
8.14 |
9.53 |
11.06 |
8.91 |
5.93 |
6.25 |
5.73 |
8.47 |
11.73 |
14.74 |
14.55 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
757 |
788 |
770 |
1,093 |
1,015 |
1,496 |
1,634 |
12,631 |
2,102 |
2,170 |
2,261 |
Invested Capital Turnover |
|
0.20 |
0.18 |
0.21 |
0.23 |
0.18 |
0.23 |
0.21 |
0.06 |
0.07 |
0.30 |
0.29 |
Increase / (Decrease) in Invested Capital |
|
150 |
31 |
-18 |
323 |
-78 |
481 |
138 |
10,998 |
-10,530 |
68 |
91 |
Enterprise Value (EV) |
|
669 |
834 |
938 |
1,312 |
212 |
1,619 |
862 |
-241 |
2,092 |
1,720 |
1,837 |
Market Capitalization |
|
334 |
492 |
755 |
923 |
0.00 |
1,161 |
852 |
1,708 |
1,739 |
1,631 |
2,094 |
Book Value per Share |
|
$15.98 |
$17.52 |
$19.34 |
$23.78 |
$0.00 |
$32.70 |
$41.17 |
$37.97 |
$38.96 |
$43.98 |
$47.19 |
Tangible Book Value per Share |
|
$14.24 |
$15.85 |
$17.72 |
$18.22 |
$0.00 |
$23.79 |
$30.34 |
$27.88 |
$28.70 |
$33.88 |
$37.12 |
Total Capital |
|
757 |
788 |
770 |
1,093 |
1,015 |
1,496 |
1,634 |
1,529 |
2,102 |
2,170 |
2,261 |
Total Debt |
|
441 |
437 |
383 |
545 |
412 |
629 |
555 |
0.00 |
580 |
454 |
437 |
Total Long-Term Debt |
|
441 |
167 |
106 |
291 |
190 |
398 |
254 |
0.00 |
255 |
156 |
157 |
Net Debt |
|
335 |
342 |
183 |
389 |
212 |
458 |
9.39 |
-2,022 |
280 |
17 |
-329 |
Capital Expenditures (CapEx) |
|
1.90 |
2.11 |
2.50 |
2.55 |
3.04 |
6.34 |
2.26 |
2.50 |
0.23 |
6.20 |
7.48 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
441 |
437 |
383 |
545 |
412 |
629 |
555 |
11,102 |
580 |
454 |
437 |
Total Depreciation and Amortization (D&A) |
|
7.30 |
6.37 |
6.58 |
8.31 |
7.73 |
14 |
19 |
21 |
20 |
15 |
14 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.38 |
$1.92 |
$2.44 |
$2.10 |
$3.86 |
$3.56 |
$2.76 |
$3.86 |
$5.32 |
$5.09 |
$4.86 |
Adjusted Weighted Average Basic Shares Outstanding |
|
19.84M |
20.17M |
23.44M |
23.44M |
0.00 |
26.56M |
31.23M |
37.82M |
37.28M |
37.47M |
36.98M |
Adjusted Diluted Earnings per Share |
|
$1.35 |
$1.89 |
$2.41 |
$2.07 |
$3.83 |
$3.55 |
$2.76 |
$3.86 |
$5.31 |
$5.07 |
$4.83 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
19.84M |
20.17M |
23.44M |
23.44M |
0.00 |
26.56M |
31.23M |
37.82M |
37.28M |
37.47M |
36.98M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.56 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
19.84M |
20.17M |
23.44M |
23.44M |
0.00 |
26.56M |
31.23M |
37.82M |
37.28M |
37.47M |
36.98M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
27 |
38 |
50 |
52 |
90 |
107 |
78 |
150 |
203 |
194 |
185 |
Normalized NOPAT Margin |
|
20.28% |
27.25% |
30.23% |
24.47% |
47.06% |
37.20% |
23.96% |
35.16% |
38.09% |
30.74% |
29.05% |
Pre Tax Income Margin |
|
30.63% |
41.39% |
45.48% |
40.87% |
54.49% |
40.31% |
28.33% |
39.41% |
48.67% |
39.05% |
36.26% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.85 |
4.72 |
5.45 |
3.43 |
1.44 |
1.75 |
2.64 |
7.32 |
6.30 |
1.22 |
0.82 |
NOPAT to Interest Expense |
|
1.89 |
3.11 |
3.56 |
1.91 |
1.94 |
1.40 |
2.14 |
5.78 |
4.93 |
0.96 |
0.65 |
EBIT Less CapEx to Interest Expense |
|
2.72 |
4.55 |
5.27 |
3.33 |
1.38 |
1.65 |
2.58 |
7.21 |
6.30 |
1.19 |
0.79 |
NOPAT Less CapEx to Interest Expense |
|
1.76 |
2.94 |
3.38 |
1.81 |
1.88 |
1.30 |
2.07 |
5.67 |
4.93 |
0.93 |
0.63 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
15.37% |
13.68% |
16.81% |
21.27% |
12.16% |
17.87% |
26.61% |
19.66% |
18.54% |
21.19% |
23.37% |
Augmented Payout Ratio |
|
17.88% |
16.77% |
31.33% |
61.83% |
36.77% |
34.61% |
47.24% |
65.19% |
34.75% |
21.19% |
39.37% |
Quarterly Metrics And Ratios for Enterprise Financial Services
This table displays calculated financial ratios and metrics derived from Enterprise Financial Services' official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
16.41% |
24.88% |
30.57% |
25.18% |
14.94% |
6.73% |
-4.18% |
0.67% |
7.26% |
0.49% |
10.75% |
EBITDA Growth |
|
191.16% |
14.26% |
15.40% |
7.12% |
-9.22% |
-31.62% |
-28.40% |
-9.11% |
4.71% |
15.45% |
17.77% |
EBIT Growth |
|
250.21% |
18.22% |
16.68% |
8.60% |
-11.17% |
-27.35% |
-28.95% |
-8.77% |
10.05% |
9.22% |
20.55% |
NOPAT Growth |
|
260.81% |
18.09% |
16.87% |
8.81% |
-11.03% |
-25.79% |
-27.52% |
-7.49% |
13.25% |
9.67% |
23.66% |
Net Income Growth |
|
260.81% |
18.09% |
16.87% |
8.81% |
-11.03% |
-25.79% |
-27.52% |
-7.49% |
13.25% |
9.67% |
23.66% |
EPS Growth |
|
247.37% |
21.71% |
18.70% |
8.40% |
-11.36% |
-26.75% |
-28.08% |
-7.75% |
12.82% |
10.43% |
24.76% |
Operating Cash Flow Growth |
|
79.91% |
-47.61% |
38.68% |
8.86% |
-32.34% |
174.42% |
-56.79% |
8.35% |
79.97% |
-34.19% |
33.90% |
Free Cash Flow Firm Growth |
|
154.12% |
196.74% |
65.07% |
14.27% |
-156.41% |
-100.22% |
-6.79% |
100.50% |
-189.74% |
-81.24% |
-114.85% |
Invested Capital Growth |
|
-7.15% |
-83.36% |
8.12% |
12.99% |
8.40% |
3.24% |
7.09% |
2.09% |
18.42% |
4.22% |
12.56% |
Revenue Q/Q Growth |
|
8.03% |
16.42% |
0.46% |
-0.92% |
-0.81% |
8.11% |
-9.81% |
4.09% |
5.68% |
1.28% |
-0.60% |
EBITDA Q/Q Growth |
|
9.78% |
17.92% |
-5.39% |
-12.82% |
-6.96% |
-11.18% |
-7.02% |
10.67% |
7.18% |
-2.07% |
1.39% |
EBIT Q/Q Growth |
|
11.26% |
19.01% |
-6.77% |
-12.03% |
-8.99% |
-2.67% |
-8.82% |
12.95% |
9.79% |
-3.41% |
0.64% |
NOPAT Q/Q Growth |
|
11.19% |
19.52% |
-7.10% |
-11.86% |
-9.08% |
-0.30% |
-9.27% |
12.49% |
11.31% |
-3.46% |
2.31% |
Net Income Q/Q Growth |
|
11.19% |
19.52% |
-7.10% |
-11.86% |
-9.08% |
-0.30% |
-9.27% |
12.49% |
11.31% |
-3.46% |
2.31% |
EPS Q/Q Growth |
|
10.92% |
18.94% |
-7.01% |
-11.64% |
-9.30% |
-1.71% |
-8.70% |
13.33% |
10.92% |
-3.79% |
3.15% |
Operating Cash Flow Q/Q Growth |
|
12.71% |
-60.63% |
140.34% |
2.07% |
-29.94% |
59.68% |
-62.16% |
155.97% |
16.36% |
-41.62% |
-23.00% |
Free Cash Flow Firm Q/Q Growth |
|
183.02% |
5,509.82% |
-100.94% |
-96.73% |
45.37% |
77.90% |
-349.57% |
100.91% |
-31,975.21% |
86.17% |
-432.94% |
Invested Capital Q/Q Growth |
|
-4.27% |
16.84% |
-1.90% |
2.98% |
-8.16% |
11.27% |
1.76% |
-1.82% |
6.52% |
-2.07% |
9.91% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
51.40% |
52.06% |
49.19% |
43.28% |
40.60% |
33.36% |
36.76% |
39.08% |
39.63% |
38.32% |
39.09% |
EBIT Margin |
|
48.02% |
49.09% |
45.56% |
40.45% |
37.11% |
33.41% |
33.78% |
36.65% |
38.08% |
36.31% |
36.77% |
Profit (Net Income) Margin |
|
37.53% |
38.53% |
35.63% |
31.70% |
29.06% |
26.80% |
26.95% |
29.13% |
30.68% |
29.24% |
30.10% |
Tax Burden Percent |
|
78.16% |
78.50% |
78.22% |
78.37% |
78.29% |
80.19% |
79.80% |
79.47% |
80.57% |
80.52% |
81.86% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
21.84% |
21.50% |
21.78% |
21.63% |
21.71% |
19.81% |
20.20% |
20.53% |
19.43% |
19.48% |
18.14% |
Return on Invested Capital (ROIC) |
|
10.09% |
2.79% |
10.23% |
9.52% |
9.62% |
7.92% |
7.89% |
8.50% |
9.18% |
8.42% |
8.39% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
10.09% |
2.79% |
10.23% |
9.52% |
9.62% |
7.92% |
7.89% |
8.50% |
9.18% |
8.42% |
8.39% |
Return on Net Nonoperating Assets (RNNOA) |
|
2.97% |
10.68% |
3.01% |
2.91% |
2.17% |
2.53% |
2.24% |
2.31% |
2.17% |
2.12% |
2.55% |
Return on Equity (ROE) |
|
13.06% |
13.46% |
13.24% |
12.43% |
11.80% |
10.45% |
10.13% |
10.81% |
11.35% |
10.54% |
10.93% |
Cash Return on Invested Capital (CROIC) |
|
17.79% |
145.69% |
2.84% |
-1.45% |
3.11% |
5.90% |
1.52% |
6.09% |
-8.37% |
4.23% |
-3.51% |
Operating Return on Assets (OROA) |
|
1.86% |
1.97% |
1.92% |
1.80% |
1.71% |
1.53% |
1.51% |
1.61% |
1.67% |
1.54% |
1.59% |
Return on Assets (ROA) |
|
1.46% |
1.54% |
1.50% |
1.41% |
1.34% |
1.23% |
1.21% |
1.28% |
1.35% |
1.24% |
1.30% |
Return on Common Equity (ROCE) |
|
12.73% |
12.83% |
12.62% |
11.84% |
11.24% |
9.98% |
9.69% |
10.35% |
10.87% |
10.11% |
10.50% |
Return on Equity Simple (ROE_SIMPLE) |
|
13.40% |
0.00% |
13.25% |
13.29% |
13.00% |
0.00% |
10.32% |
9.97% |
9.88% |
0.00% |
10.43% |
Net Operating Profit after Tax (NOPAT) |
|
50 |
60 |
56 |
49 |
45 |
45 |
40 |
45 |
51 |
49 |
50 |
NOPAT Margin |
|
37.53% |
38.53% |
35.63% |
31.70% |
29.06% |
26.80% |
26.95% |
29.13% |
30.68% |
29.24% |
30.10% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
33.68% |
29.56% |
32.14% |
31.78% |
31.74% |
28.86% |
35.98% |
34.65% |
33.53% |
33.74% |
34.61% |
Operating Expenses to Revenue |
|
51.47% |
49.55% |
51.77% |
55.46% |
57.66% |
55.72% |
62.38% |
60.26% |
59.44% |
59.59% |
60.11% |
Earnings before Interest and Taxes (EBIT) |
|
64 |
76 |
71 |
63 |
57 |
56 |
51 |
57 |
63 |
61 |
61 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
69 |
81 |
77 |
67 |
62 |
55 |
55 |
61 |
65 |
64 |
65 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.14 |
1.20 |
1.06 |
0.92 |
0.89 |
0.99 |
0.91 |
0.91 |
1.09 |
1.20 |
1.11 |
Price to Tangible Book Value (P/TBV) |
|
1.59 |
1.63 |
1.41 |
1.22 |
1.18 |
1.29 |
1.17 |
1.17 |
1.38 |
1.52 |
1.40 |
Price to Revenue (P/Rev) |
|
3.13 |
3.26 |
2.83 |
2.37 |
2.20 |
2.58 |
2.41 |
2.45 |
3.01 |
3.28 |
3.04 |
Price to Earnings (P/E) |
|
8.24 |
8.74 |
7.77 |
6.73 |
6.65 |
8.57 |
8.61 |
8.95 |
10.81 |
11.54 |
10.40 |
Dividend Yield |
|
2.04% |
1.93% |
2.17% |
2.54% |
2.70% |
2.29% |
2.48% |
2.47% |
2.01% |
1.88% |
2.05% |
Earnings Yield |
|
12.13% |
11.44% |
12.87% |
14.86% |
15.04% |
11.67% |
11.62% |
11.17% |
9.25% |
8.67% |
9.62% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.69 |
1.00 |
0.90 |
0.79 |
0.72 |
0.79 |
0.76 |
0.75 |
0.88 |
0.81 |
0.88 |
Enterprise Value to Revenue (EV/Rev) |
|
2.48 |
3.92 |
3.27 |
2.78 |
2.26 |
2.72 |
2.69 |
2.59 |
3.19 |
2.88 |
3.35 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
4.62 |
7.49 |
6.42 |
5.68 |
4.88 |
6.57 |
7.00 |
6.94 |
8.59 |
7.49 |
8.60 |
Enterprise Value to EBIT (EV/EBIT) |
|
5.02 |
8.06 |
6.90 |
6.09 |
5.25 |
6.98 |
7.44 |
7.36 |
9.00 |
7.95 |
9.08 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
6.41 |
10.30 |
8.81 |
7.77 |
6.70 |
8.86 |
9.40 |
9.27 |
11.24 |
9.92 |
11.26 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
5.12 |
9.65 |
7.88 |
6.92 |
6.44 |
6.41 |
7.34 |
6.91 |
7.42 |
7.43 |
8.52 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
3.74 |
0.19 |
33.06 |
0.00 |
24.05 |
13.65 |
51.71 |
12.43 |
0.00 |
19.59 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.24 |
0.38 |
0.29 |
0.31 |
0.21 |
0.26 |
0.28 |
0.24 |
0.26 |
0.24 |
0.33 |
Long-Term Debt to Equity |
|
0.11 |
0.17 |
0.29 |
0.31 |
0.21 |
0.09 |
0.28 |
0.13 |
0.17 |
0.09 |
0.19 |
Financial Leverage |
|
0.29 |
3.83 |
0.29 |
0.31 |
0.23 |
0.32 |
0.28 |
0.27 |
0.24 |
0.25 |
0.30 |
Leverage Ratio |
|
8.97 |
8.71 |
8.82 |
8.79 |
8.84 |
8.51 |
8.40 |
8.44 |
8.41 |
8.51 |
8.41 |
Compound Leverage Factor |
|
8.97 |
8.71 |
8.82 |
8.79 |
8.84 |
8.51 |
8.40 |
8.44 |
8.41 |
8.51 |
8.41 |
Debt to Total Capital |
|
19.61% |
27.57% |
22.75% |
23.79% |
17.34% |
20.91% |
21.57% |
19.03% |
20.67% |
19.34% |
24.84% |
Short-Term Debt to Total Capital |
|
10.97% |
15.42% |
0.00% |
0.00% |
0.00% |
13.73% |
0.00% |
8.22% |
7.40% |
12.42% |
10.29% |
Long-Term Debt to Total Capital |
|
8.63% |
12.15% |
22.75% |
23.79% |
17.34% |
7.19% |
21.57% |
10.81% |
13.27% |
6.92% |
14.55% |
Preferred Equity to Total Capital |
|
4.00% |
3.43% |
3.49% |
3.39% |
3.69% |
3.32% |
3.26% |
3.32% |
3.12% |
3.18% |
2.90% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
76.39% |
69.00% |
73.76% |
72.82% |
78.96% |
75.77% |
75.17% |
77.65% |
76.22% |
77.48% |
72.27% |
Debt to EBITDA |
|
1.31 |
2.08 |
1.62 |
1.72 |
1.18 |
1.73 |
1.98 |
1.76 |
2.01 |
1.78 |
2.42 |
Net Debt to EBITDA |
|
-1.49 |
1.00 |
0.61 |
0.60 |
-0.13 |
0.06 |
0.43 |
0.07 |
0.20 |
-1.34 |
0.53 |
Long-Term Debt to EBITDA |
|
0.58 |
0.92 |
1.62 |
1.72 |
1.18 |
0.60 |
1.98 |
1.00 |
1.29 |
0.64 |
1.42 |
Debt to NOPAT |
|
1.82 |
2.85 |
2.22 |
2.35 |
1.61 |
2.34 |
2.67 |
2.36 |
2.64 |
2.36 |
3.17 |
Net Debt to NOPAT |
|
-2.07 |
1.38 |
0.84 |
0.82 |
-0.18 |
0.09 |
0.57 |
0.09 |
0.26 |
-1.77 |
0.69 |
Long-Term Debt to NOPAT |
|
0.80 |
1.26 |
2.22 |
2.35 |
1.61 |
0.80 |
2.67 |
1.34 |
1.69 |
0.85 |
1.86 |
Noncontrolling Interest Sharing Ratio |
|
2.49% |
4.72% |
4.70% |
4.70% |
4.71% |
4.45% |
4.33% |
4.27% |
4.18% |
4.07% |
4.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
189 |
10,590 |
-99 |
-195 |
-106 |
-24 |
-106 |
0.97 |
-309 |
-43 |
-227 |
Operating Cash Flow to CapEx |
|
0.00% |
7,213.78% |
10,842.63% |
7,658.35% |
8,993.82% |
1,931.67% |
1,011.81% |
4,281.37% |
10,436.81% |
2,763.26% |
909.38% |
Free Cash Flow to Firm to Interest Expense |
|
16.55 |
591.53 |
-3.36 |
-4.13 |
-1.80 |
-0.35 |
-1.51 |
0.01 |
-4.24 |
-0.62 |
-3.54 |
Operating Cash Flow to Interest Expense |
|
6.41 |
1.61 |
2.34 |
1.50 |
0.83 |
1.19 |
0.43 |
1.08 |
1.22 |
0.75 |
0.62 |
Operating Cash Flow Less CapEx to Interest Expense |
|
6.51 |
1.59 |
2.32 |
1.48 |
0.83 |
1.13 |
0.38 |
1.05 |
1.21 |
0.73 |
0.55 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.04 |
0.04 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
10.85 |
11.73 |
12.77 |
13.65 |
14.58 |
14.74 |
14.41 |
14.42 |
14.88 |
14.55 |
14.14 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
1,799 |
2,102 |
2,062 |
2,123 |
1,950 |
2,170 |
2,208 |
2,168 |
2,309 |
2,261 |
2,485 |
Invested Capital Turnover |
|
0.27 |
0.07 |
0.29 |
0.30 |
0.33 |
0.30 |
0.29 |
0.29 |
0.30 |
0.29 |
0.28 |
Increase / (Decrease) in Invested Capital |
|
-139 |
-10,530 |
155 |
244 |
151 |
68 |
146 |
44 |
359 |
91 |
277 |
Enterprise Value (EV) |
|
1,243 |
2,092 |
1,860 |
1,671 |
1,404 |
1,720 |
1,681 |
1,622 |
2,035 |
1,837 |
2,194 |
Market Capitalization |
|
1,572 |
1,739 |
1,611 |
1,422 |
1,368 |
1,631 |
1,506 |
1,534 |
1,915 |
2,094 |
1,987 |
Book Value per Share |
|
$36.92 |
$38.96 |
$40.80 |
$41.44 |
$41.19 |
$43.98 |
$44.27 |
$44.90 |
$47.10 |
$47.19 |
$48.57 |
Tangible Book Value per Share |
|
$26.62 |
$28.70 |
$30.58 |
$31.26 |
$31.06 |
$33.88 |
$34.23 |
$34.88 |
$37.08 |
$37.12 |
$38.49 |
Total Capital |
|
1,799 |
2,102 |
2,062 |
2,123 |
1,950 |
2,170 |
2,208 |
2,168 |
2,309 |
2,261 |
2,485 |
Total Debt |
|
353 |
580 |
469 |
505 |
338 |
454 |
476 |
413 |
477 |
437 |
617 |
Total Long-Term Debt |
|
155 |
255 |
469 |
505 |
338 |
156 |
476 |
234 |
306 |
157 |
362 |
Net Debt |
|
-401 |
280 |
177 |
177 |
-37 |
17 |
103 |
16 |
47 |
-329 |
134 |
Capital Expenditures (CapEx) |
|
-1.17 |
0.40 |
0.64 |
0.92 |
0.55 |
4.09 |
2.95 |
1.79 |
0.85 |
1.88 |
4.40 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
353 |
580 |
469 |
505 |
338 |
454 |
476 |
413 |
477 |
437 |
617 |
Total Depreciation and Amortization (D&A) |
|
4.52 |
4.63 |
5.68 |
4.39 |
5.36 |
-0.10 |
4.47 |
3.78 |
2.57 |
3.35 |
3.85 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.32 |
$1.58 |
$1.47 |
$1.29 |
$1.17 |
$1.16 |
$1.05 |
$1.19 |
$1.33 |
$1.29 |
$1.33 |
Adjusted Weighted Average Basic Shares Outstanding |
|
37.22M |
37.28M |
37.31M |
37.38M |
37.39M |
37.47M |
37.49M |
37.37M |
37.13M |
36.98M |
36.93M |
Adjusted Diluted Earnings per Share |
|
$1.32 |
$1.57 |
$1.46 |
$1.29 |
$1.17 |
$1.15 |
$1.05 |
$1.19 |
$1.32 |
$1.27 |
$1.31 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
37.22M |
37.28M |
37.31M |
37.38M |
37.39M |
37.47M |
37.49M |
37.37M |
37.13M |
36.98M |
36.93M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
37.22M |
37.28M |
37.31M |
37.38M |
37.39M |
37.47M |
37.49M |
37.37M |
37.13M |
36.98M |
36.93M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
50 |
60 |
56 |
49 |
45 |
45 |
40 |
45 |
51 |
49 |
50 |
Normalized NOPAT Margin |
|
37.53% |
38.53% |
35.63% |
31.70% |
29.06% |
26.80% |
26.95% |
29.13% |
30.68% |
29.24% |
30.10% |
Pre Tax Income Margin |
|
48.02% |
49.09% |
45.56% |
40.45% |
37.11% |
33.41% |
33.78% |
36.65% |
38.08% |
36.31% |
36.77% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
5.63 |
4.27 |
2.42 |
1.33 |
0.96 |
0.84 |
0.72 |
0.80 |
0.86 |
0.88 |
0.95 |
NOPAT to Interest Expense |
|
4.40 |
3.35 |
1.89 |
1.04 |
0.75 |
0.67 |
0.58 |
0.64 |
0.69 |
0.71 |
0.78 |
EBIT Less CapEx to Interest Expense |
|
5.73 |
4.25 |
2.39 |
1.31 |
0.95 |
0.78 |
0.68 |
0.78 |
0.85 |
0.85 |
0.88 |
NOPAT Less CapEx to Interest Expense |
|
4.50 |
3.33 |
1.87 |
1.02 |
0.74 |
0.61 |
0.54 |
0.61 |
0.68 |
0.68 |
0.71 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
18.24% |
18.54% |
18.36% |
18.56% |
19.43% |
21.19% |
23.03% |
23.74% |
23.36% |
23.37% |
22.91% |
Augmented Payout Ratio |
|
49.42% |
34.75% |
18.36% |
18.56% |
19.43% |
21.19% |
23.03% |
28.65% |
33.52% |
39.37% |
43.58% |
Key Financial Trends
Enterprise Financial Services Corp (NASDAQ:EFSC) has demonstrated steady financial performance over the past four years through Q1 2025, with key highlights and trends apparent in its income statements, cash flow statements, and balance sheets.
- Net interest income increased from approximately $124 million in Q3 2022 to $148 million in Q1 2025, indicating improved core lending profitability.
- Consistent growth in net income attributable to common shareholders, rising from around $49 million in Q3 2022 to about $49 million in Q1 2025 despite seasonality.
- Stable earnings per share, with diluted EPS rising from $1.32 in Q3 2022 to $1.31 in Q1 2025, showing resilience in profitability relative to shares outstanding.
- Provision for credit losses shows careful risk management, fluctuating modestly but remaining controlled (e.g., $6.8 million in Q4 2024 vs. $5.2 million in Q1 2025), supporting asset quality.
- Total assets steadily increased from about $13 billion in early 2023 to nearly $15.7 billion in Q1 2025, reflecting expansion, particularly in loans and securities.
- Total common equity has grown over time, reaching approximately $1.8 billion by Q1 2025, indicating strengthening capitalization.
- Cash dividends per share have steadily increased over recent quarters from $0.23 in early 2022 to $0.29 in Q1 2025, rewarding shareholders.
- Significant outflows in investing activities due to purchases of investment securities, yet offset partially by sales and maturities; reflective of active asset management in a changing interest rate environment.
- Fluctuations in deposits with a decline in Q1 2025 (-$112 million) after strong increases in prior quarters; could indicate changing customer behaviors or strategic shifts.
- Interest expense increased notably from $11 million in Q3 2022 to nearly $64 million in Q1 2025, driven by rising deposit costs, which may pressure net interest margins if not offset.
Overall, Enterprise Financial Services Corp has maintained steady growth in revenues, income, and capital levels with prudent risk management as reflected in provision levels. The increase in interest expenses, driven by higher deposit rates, is a factor to watch, especially as it approaches almost half of total interest income. Active management of investment securities and deposits suggests strategic responses to current market conditions. The company continues to return value to shareholders via progressively higher dividends.
08/30/25 05:59 PM ETAI Generated. May Contain Errors.