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Enterprise Financial Services (EFSCP) Financials

Enterprise Financial Services logo
$20.26 +0.10 (+0.50%)
As of 08/8/2025 03:58 PM Eastern
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Annual Income Statements for Enterprise Financial Services

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.

Metric 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 27 38 49 48 93 74 133 199 190 182
Consolidated Net Income / (Loss)		 27 38 49 48 93 74 133 203 194 185
Net Income / (Loss) Continuing Operations		 27 38 49 48 93 74 133 203 194 185
Total Pre-Tax Income 		41 58 75 87 116 92 169 259 247 231
Total Revenue		 134 141 165 212 288 325 428 533 631 638
Net Interest Income / (Expense)		 117 120 135 177 239 270 360 474 563 568
Total Interest Income		 132 133 149 203 305 305 383 515 765 851
Loans and Leases Interest Income		 121 122 138 185 269 270 349 456 688 755
Investment Securities Interest Income		 10 10 11 16 34 34 33 48 64 77
Deposits and Money Market Investments Interest Income		 0.19 0.21 0.37 0.80 2.13 0.62 1.50 11 13 19
Total Interest Expense		 14 12 14 25 66 35 23 41 202 283
Deposits Interest Expense		 10 10 11 17 50 21 11 30 184 265
Long-Term Debt Interest Expense		 3.12 1.38 2.45 7.45 14 13 12 9.77 13 12
Federal Funds Purchased and Securities Sold Interest Expense		 0.78 0.58 0.44 0.58 2.39 1.17 0.61 1.26 6.07 6.16
Total Non-Interest Income		 17 21 29 34 49 55 68 59 69 70
Provision for Credit Losses		 5.49 0.46 3.61 10 6.37 65 13 -0.61 37 22
Total Non-Interest Expense		 87 82 86 115 165 167 246 274 348 385
Salaries and Employee Benefits		 47 46 50 61 81 92 125 147 165 183
Net Occupancy & Equipment Expense		 11 11 12 15 21 23 29 31 32 37
Other Operating Expenses		 25 23 22 32 46 48 70 96 152 165
Income Tax Expense		 14 20 26 38 23 18 36 56 52 46
Preferred Stock Dividends Declared		 - - - - - 0.00 0.00 4.04 3.75 3.75
Basic Earnings per Share		 $1.38 $1.92 $2.44 $2.10 $3.56 $2.76 $3.86 $5.32 $5.09 $4.86
Weighted Average Basic Shares Outstanding		 19.76M 19.98M 20.00M 22.95M 26.56M 31.23M 37.82M 37.28M 37.47M 36.98M
Diluted Earnings per Share		 $1.35 $1.89 $2.41 $2.07 $3.55 $2.76 $3.86 $5.31 $5.07 $4.83
Weighted Average Diluted Shares Outstanding		 19.76M 19.98M 20.00M 22.95M 26.56M 31.23M 37.82M 37.28M 37.47M 36.98M
Weighted Average Basic & Diluted Shares Outstanding		 19.76M 19.98M 20.00M 22.95M 26.56M 31.23M 37.82M 37.28M 37.47M 36.98M
Cash Dividends to Common per Share		 $0.21 $0.26 $0.41 $0.44 $0.62 $0.72 $0.75 $0.90 $1.00 $1.06

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
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
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) delivered a steady financial performance over the past four years through Q1 2025, with key metrics demonstrating profitable growth and sound balance sheet management.

Key Positive Trends:

  • Net income attributable to common shareholders grew from approximately $49.3 million in Q1 2023 to $49.0 million in Q1 2025, showing consistent profitability at stable or slightly improving levels.
  • Basic and diluted earnings per share (EPS) increased from around $1.32 in Q1 2023 to $1.33 in Q1 2025, reflecting stable earnings growth relative to shares outstanding.
  • Total revenue (sum of net interest income and non-interest income) remained strong, with $165.99 million reported in Q1 2025, up from roughly $156.4 million in Q1 2023, signaling growth in earning assets and business operations.
  • Net interest income increased steadily over the period, reaching $147.5 million in Q1 2025, up from about $139.5 million in Q1 2023, indicating effective asset-liability management and favorable interest spreads.
  • Allowance for loan and lease losses increased moderately, supporting prudent credit risk management alongside loan portfolio growth (loans and leases net rose from approximately $9.87 billion in Q1 2023 to $11.16 billion in Q1 2025).
  • Cash and due from banks, an indicator of liquidity, increased substantially from $210.8 million in Q1 2023 to $260.3 million in Q1 2025, enhancing the company’s short-term financial flexibility.
  • Total assets expanded by about $2.4 billion, from roughly $13.3 billion at Q1 2023 to $15.7 billion by Q1 2025, demonstrating growth in the company's asset base, including trading securities and performing loans.
  • Strong operating cash flow generation: net cash from continuing operating activities was $40 million in Q1 2025, sustaining positive cash flow despite significant investing activities.
  • Consistent dividend policy with gradual increases in cash dividends per share from $0.25 in Q1 2023 to $0.29 in Q1 2025, rewarding shareholders with stable income.
  • Reduction in long-term debt from $469 million in Q1 2023 to $362 million in Q1 2025 reflects effective debt management and potential lower interest costs.

Neutral Factors:

  • Provision for credit losses fluctuated each quarter but remained within a manageable range, reflecting the company’s responsive approach to credit risk given evolving economic conditions.
  • Other operating expenses and occupancy costs rose modestly, aligning with business expansion but requiring monitoring for operational efficiency.
  • Trading account securities increased substantially, indicating greater investment activity which may carry market risk but also enhances potential yields.
  • Non-interest income demonstrated variability quarter to quarter without a clear trend upward or downward, showing a mixed source of fee and service revenues.
  • Weighted average shares outstanding remained largely stable, indicating no significant share dilution or buybacks affecting EPS calculations.

Negative Trends:

  • Net cash used in investing activities was significantly negative each quarter, largely due to heavy purchases of investment securities ($516 million in Q1 2025), which may delay free cash flow conversion.
  • Deposits decreased by $112 million in Q1 2025 from the prior quarter, indicating potential volatility in core funding sources.
  • Provision for credit losses spiked during Q4 2023 ($18 million) and remained elevated in some quarters, which could indicate rising credit risk or portfolio stress.
  • Accumulated other comprehensive loss widened from approximately -$106 million in Q1 2023 to -$101 million in Q1 2025, possibly due to unrealized losses on available-for-sale securities or pension adjustments.

Summary: Enterprise Financial Services has demonstrated solid growth in earnings and assets accompanied by steady loan portfolio expansion and disciplined credit loss provisioning. The company maintains strong liquidity and a growing equity base while managing expenses cautiously. However, the heavy investment securities purchases and deposit volatility warrant monitoring. Overall, EFSC appears positioned for continued stable operating results and shareholder returns.

08/10/25 02:30 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Enterprise Financial Services' Financials

When does Enterprise Financial Services' financial year end?

According to the most recent income statement we have on file, Enterprise Financial Services' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Enterprise Financial Services' net income changed over the last 9 years?

Enterprise Financial Services' net income appears to be on an upward trend, with a most recent value of $185.27 million in 2024, rising from $27.17 million in 2014. The previous period was $194.06 million in 2023.

How has Enterprise Financial Services' revenue changed over the last 9 years?

Over the last 9 years, Enterprise Financial Services' total revenue changed from $134.00 million in 2014 to $637.80 million in 2024, a change of 376.0%.

How much debt does Enterprise Financial Services have?

Enterprise Financial Services' total liabilities were at $13.77 billion at the end of 2024, a 7.6% increase from 2023, and a 365.2% increase since 2014.

How much cash does Enterprise Financial Services have?

In the past 10 years, Enterprise Financial Services' cash and equivalents has ranged from $42.90 million in 2014 to $270.98 million in 2024, and is currently $270.98 million as of their latest financial filing in 2024.

How has Enterprise Financial Services' book value per share changed over the last 10 years?

Over the last 10 years, Enterprise Financial Services' book value per share changed from 15.98 in 2014 to 47.19 in 2024, a change of 195.2%.


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This page (NASDAQ:EFSCP) was last updated on 8/10/2025 by MarketBeat.com Staff
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