Enterprise Financial Services (EFSCP) Financials

$20.50 -0.18 (-0.87%)

As of 09/19/2025 03:28 PM Eastern

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

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

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

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

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

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

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%

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%

Financials Breakdown Chart

Key Financial Trends

Enterprise Financial Services Corp (NASDAQ: EFSC) has demonstrated consistent earnings growth over the past year, with Q1 2025 net income of $49.0 million attributable to common shareholders, up slightly from $48.0 million in Q4 2024 and steadily increasing from prior quarters. Diluted earnings per share rose to $1.31 in Q1 2025 from $1.27 in the previous quarter, reflecting stable profitability despite modest revenue fluctuations.

Net interest income, a key driver for the bank, was $147.5 million in Q1 2025, up slightly from $146.4 million in Q4 2024, indicating steady growth in core lending and investment activities. Total revenue slightly declined sequentially to $166.0 million in Q1 2025 from $167.0 million in Q4 2024, primarily due to a decrease in non-interest income from $20.6 million to $18.5 million.

Provision for credit losses decreased from $6.8 million in Q4 2024 to $5.2 million in Q1 2025, suggesting improved credit quality or more conservative loss recognition. Non-interest expenses remained stable, with total non-interest expense about $99.8 million in Q1 2025, consistent with prior quarters.

On the balance sheet side, total assets increased to approximately $15.68 billion in Q1 2025, up from $14.95 billion in Q3 2024. Net loans and leases grew to $11.16 billion, reflecting steady loan portfolio expansion. Total liabilities rose primarily due to an increase in deposits, which totaled roughly $13.0 billion in Q1 2025 (sum of interest-bearing and non-interest-bearing deposits), supporting the asset growth.

Cash flow from operating activities was positive at $40.0 million in Q1 2025, although cash flow from investing activities showed a significant outflow of $365.7 million, largely reflecting investment securities purchases. Financing activities provided $43.2 million in cash, driven by new debt issuance of $205 million, partially offset by deposit decreases and equity repurchases.

Consistent quarter-over-quarter growth in net income and earnings per share indicating stable profitability.
Increase in net interest income reflecting effective asset yield management and loan growth.
Reduced provision for credit losses signaling improving asset quality.
Growth in total assets and loan portfolio supports future income potential.
Strong deposit base growth provides liquidity and funding stability.
Non-interest income showed a slight decline which may affect diversification of revenue streams.
Significant outflows in investing cash flow due to large purchases of investment securities which could impact liquidity in short term.
Cash flow from operating activities remains positive but decreased from prior quarters, suggesting variability in operational cash generation.
Increase in long-term debt levels by issuance of $205 million may raise interest expense and leverage risk.
Non-interest expenses remain high and stable, suggesting limited operational cost containment.

Overall, Enterprise Financial Services displays solid earnings growth and balance sheet expansion with improving credit conditions. Investors should monitor the impact of increased debt and investing outflows on liquidity and the modest dip in non-interest income. However, the firm’s steady net interest income and deposit growth underpin a positive outlook.

09/20/25 05:50 PM ETAI 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 9/20/2025 by MarketBeat.com Staff

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Enterprise Financial Services (EFSCP) Financials

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Enterprise Financial Services (EFSCP) Financials

Annual Income Statements for Enterprise Financial Services

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