ENTERPRISE FINANCIAL SERVICES CORP's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), ENTERPRISE FINANCIAL SERVICES CORP reported net income of $201.4M (+8.7% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $754.5M | $754.9M | $687.9M | $456.0M |
| Interest Income, Securities, Operating, Taxable | $81.6M | $51.4M | $39.5M | $28.3M |
| Interest Income, Securities, Operating, Tax Exempt | $32.7M | $24.0M | $22.7M | $18.8M |
| Interest Income, Domestic Deposits | $17.6M | $18.9M | $13.4M | $10.6M |
| Dividend Income, Operating | $2.1M | $1.8M | $1.4M | $1.4M |
| Interest and Dividend Income, Operating, Total | $888.4M | $851.1M | $764.9M | $515.1M |
| Interest Expense, Deposits | $241.1M | $264.6M | $183.7M | $30.2M |
| Interest Expense, Subordinated Notes and Debentures | $9.5M | $10.5M | $9.8M | $9.2M |
| Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-Term | $3.4M | $1.7M | $2.8M | $599.0K |
| Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase | $7.6M | $6.2M | $6.1M | $1.3M |
| Interest Expense, Total | $261.7M | $283.0M | — | — |
| Interest Income (Expense), Net, Total | $626.7M | $568.1M | $562.6M | $473.9M |
| Provision for loan losses not covered under FDIC loss share | $26.3M | $21.5M | $36.6M | ($611.0K) |
| Interest Income (Expense), after Provision for Loan Loss, Total | $600.4M | $546.6M | $526.0M | $474.5M |
| Noninterest Income | $113.1M | $69.7M | $68.7M | $59.2M |
| Labor and Related Expense | $198.7M | $182.7M | $164.6M | $147.0M |
| Deposit Costs | $103.2M | $88.6M | $72.3M | — |
| Occupancy, Net | $20.2M | $17.2M | $16.5M | $17.6M |
| Information Technology and Data Processing | $20.2M | $19.7M | $15.2M | $13.5M |
| Professional Fees | $9.6M | $6.3M | $5.7M | $7.1M |
| Other Noninterest Expense | $77.9M | $70.5M | $73.9M | $89.0M |
| Noninterest Expense, Total | $429.8M | $385.0M | $348.2M | $274.2M |
| Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest, Total | $283.7M | $231.2M | $246.5M | $259.5M |
| Income Tax Expense (Benefit) | $82.3M | $46.0M | $52.5M | $56.4M |
| Net Income (Loss) Attributable to Parent, Total | $201.4M | $185.3M | $194.1M | $203.0M |
| Preferred Stock Dividends and Other Adjustments | $3.8M | $3.8M | $3.8M | $4.0M |
| Net Income (Loss) Available to Common Stockholders, Basic, Total | $197.6M | $181.5M | $190.3M | $199.0M |
| Basic (usd per share) | $5.34 | $4.86 | $5.09 | $5.32 |
| Diluted (usd per share) | $5.31 | $4.83 | $5.07 | $5.31 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Loans | $188.5M | $185.2M | $191.4M | $187.8M |
| Taxable | $27.2M | $25.7M | $21.2M | $19.3M |
| Nontaxable | $9.2M | $9.3M | $8.7M | $7.8M |
| Interest-earning deposits | $3.7M | $4.5M | $3.6M | $3.4M |
| Dividends on equity securities | $706.0K | $441.0K | $530.0K | $630.0K |
| Total interest income | $229.3M | $225.1M | $225.4M | $219.0M |
| Deposits | $55.7M | $54.7M | $61.6M | $60.0M |
| Subordinated debentures and notes | $2.1M | $1.5M | $2.7M | $2.7M |
| FHLB advances | $861.0K | $56.0K | $1.2M | $1.8M |
| Other borrowings | $2.0M | $2.6M | $1.6M | $1.7M |
| Total interest expense | $60.6M | $58.9M | $67.1M | $66.2M |
| Net interest income | $168.7M | $166.1M | $158.3M | $152.8M |
| Provision for credit losses | $14.2M | $7.2M | $8.4M | $3.5M |
| Net interest income after provision for credit losses | $154.5M | $158.9M | $149.8M | $149.3M |
| Total noninterest income | $13.5M | $19.1M | $48.6M | $20.6M |
| Employee compensation and benefits | $53.1M | $55.8M | $49.6M | $50.2M |
| Deposit costs | $27.8M | $26.0M | $27.2M | $24.8M |
| Occupancy | $5.9M | $5.9M | $4.9M | $5.1M |
| Data processing | $6.0M | $5.6M | $5.0M | $4.7M |
| Professional fees | $2.0M | $1.6M | $2.6M | $2.0M |
| Other expense | $20.9M | $20.3M | $20.4M | $19.0M |
| Total noninterest expense | $115.7M | $115.1M | $109.8M | $105.7M |
| Income before income tax expense | $52.2M | $62.9M | $88.7M | $64.2M |
| Income tax expense | $11.3M | $13.5M | $43.4M | $12.8M |
| Net income | $40.9M | $49.4M | $45.2M | $51.4M |
| Dividends on preferred stock | $937.0K | $938.0K | $938.0K | $937.0K |
| Net income available to common stockholders | $40.0M | $48.4M | $44.3M | $50.4M |
| Basic (usd per share) | $1.10 | $1.31 | $1.20 | $1.36 |
| Diluted (usd per share) | $1.09 | $1.30 | $1.19 | $1.36 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and Due from Banks | $208.1M | $271.0M | $193.3M | $229.6M |
| Federal Funds Sold | $5.8M | $5.7M | $2.9M | $1.8M |
| Interest-Bearing Deposits in Banks and Other Financial Institutions | $468.0M | $487.5M | $236.9M | $60.0M |
| Cash, Cash Equivalents, and Federal Funds Sold, Total | $681.9M | $764.2M | $433.0M | $291.4M |
| Interest-bearing deposits greater than 90 days | $898.0K | $1.9M | $3.9M | $8.0M |
| Debt Securities, Available-for-Sale, Excluding Accrued Interest | $2.7B | $1.9B | $1.6B | — |
| Debt Securities, Held-to-Maturity, Excluding Accrued Interest, after Allowance for Credit Loss | $1.1B | $928.9M | $750.4M | — |
| Accounts and Financing Receivables, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $928.0K | $110.0K | $359.0K | $1.2M |
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss | $11.8B | $11.2B | — | — |
| ACL on loans | ($140.0M) | ($137.9M) | — | — |
| Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss, Total | $11.7B | $11.1B | — | — |
| Other Investments and Securities, at Cost | $80.9M | $72.8M | $66.2M | $63.8M |
| Property, Plant and Equipment, Net | $59.0M | $45.0M | $42.7M | $43.0M |
| Goodwill | $417.0M | $365.2M | $365.2M | $365.2M |
| Intangible Assets, Net (Excluding Goodwill) | $21.2M | $8.5M | $12.3M | $16.9M |
| Prepaid Expense and Other Assets | $648.8M | $465.2M | $476.9M | $418.8M |
| Assets, Total | $17.3B | $15.6B | $14.5B | $13.1B |
| Noninterest-Bearing Domestic Deposit, Demand | $4.9B | $4.5B | $4.0B | $4.6B |
| Interest-Bearing Domestic Deposit, Checking | $3.5B | $3.2B | $3.0B | $2.3B |
| Deposits, Money Market Deposits | $4.0B | $3.6B | $3.4B | $2.7B |
| Deposits, Savings Deposits | $537.4M | $553.5M | $595.2M | $744.3M |
| Brokered | $722.0M | $484.6M | $482.8M | $119.0M |
| Other | $947.4M | $885.0M | $790.2M | $411.7M |
| Deposits, Total | $14.6B | $13.1B | $12.2B | $10.8B |
| Subordinated Debt | $93.7M | $156.6M | $156.0M | $155.4M |
| Other Borrowings | $387.7M | $280.8M | $297.8M | $324.1M |
| Other Liabilities | $170.8M | $188.6M | $172.3M | $123.2M |
| Liabilities, Total | $15.3B | $13.8B | $12.8B | $11.5B |
| Preferred Stock, Value, Issued | $72.0M | $72.0M | $72.0M | $72.0M |
| Common Stock, Value, Issued | $370.0K | $370.0K | $374.0K | $373.0K |
| Additional Paid in Capital | $1.0B | $990.7M | $995.2M | $982.7M |
| Retained Earnings (Accumulated Deficit) | $1.0B | $877.6M | $749.5M | $597.6M |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | ($54.6M) | ($116.7M) | ($101.0M) | ($130.3M) |
| Equity, Attributable to Parent, Total | $2.0B | $1.8B | $1.7B | $1.5B |
| Liabilities and Equity, Total | $17.3B | $15.6B | $14.5B | $13.1B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $273.9M | $258.5M | $208.5M | $252.8M |
| Federal funds sold | $11.2M | $8.0M | $3.0M | $11.1M |
| Interest-earning deposits | $267.0M | $367.9M | $260.5M | $227.6M |
| Total cash and cash equivalents | $552.1M | $634.5M | $472.0M | $491.5M |
| Interest-earning deposits greater than 90 days | $666.0K | $897.0K | $899.0K | $899.0K |
| Securities available-for-sale | $2.8B | $2.8B | $2.4B | $2.2B |
| Securities held-to-maturity, net | $1.0B | $1.1B | $1.1B | $1.1B |
| Loans held-for-sale | $1.1M | $418.0K | $681.0K | $586.0K |
| Loans, before unearned loan fees | $11.9B | $11.7B | $11.6B | $11.4B |
| ACL on loans | ($139.2M) | ($142.1M) | ($148.9M) | ($145.1M) |
| Total loans, net | $11.8B | $11.6B | $11.4B | $11.3B |
| Other investments | $128.6M | $81.9M | $94.1M | $88.6M |
| Fixed assets, net | $57.3M | $58.0M | $49.2M | $48.6M |
| Goodwill | $417.0M | $417.0M | $365.2M | $365.2M |
| Intangible assets, net | $18.2M | $19.5M | $6.1M | $6.9M |
| Other assets | $638.6M | $635.8M | $546.6M | $514.6M |
| Total assets | $17.4B | $17.2B | $16.4B | $16.1B |
| Noninterest-bearing demand accounts | $4.9B | $4.8B | $4.4B | $4.3B |
| Interest-bearing demand accounts | $3.4B | $3.4B | $3.3B | $3.2B |
| Money market accounts | $3.9B | $4.1B | $3.7B | $3.7B |
| Savings accounts | $537.3M | $551.9M | $525.7M | $532.8M |
| Brokered | $736.4M | $724.8M | $762.5M | $752.4M |
| Customer | $967.4M | $964.9M | $888.7M | $848.9M |
| Total deposits | $14.5B | $14.5B | $13.6B | $13.3B |
| Subordinated debentures and notes | $265.9M | $93.8M | $93.6M | $156.8M |
| FHLB advances | $208.0M | — | $327.0M | $294.0M |
| Other borrowings | $208.2M | $319.3M | $247.0M | $210.6M |
| Other liabilities | $173.5M | $268.1M | $184.5M | $174.6M |
| Total liabilities | $15.4B | $15.2B | $14.4B | $14.2B |
| Preferred stock, $0.01 par value; 5,000,000 shares authorized; 75,000 shares issued and outstanding ($1,000 per share liquidation preference) | $71988000.00 | $71988000.00 | $71988000.00 | $71988000.00 |
| Common stock, $0.01 par value; 75,000,000 shares authorized; 36,257,707 and 36,965,398 shares issued and outstanding | 363.0K | 366.0K | 370.0K | 369.0K |
| Additional paid-in capital | $986.1M | $990.4M | $997.4M | $991.7M |
| Retained earnings | $1.1B | $1.0B | $980.5M | $947.9M |
| Accumulated other comprehensive loss, net | ($73.7M) | ($81.6M) | ($68.0M) | ($89.0M) |
| Total stockholders’ equity | $2.0B | $2.0B | $2.0B | $1.9B |
| Total liabilities and stockholders’ equity | $17.4B | $17.2B | $16.4B | $16.1B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net Income (Loss) | $201.4M | $185.3M | $194.1M | $203.0M |
| Depreciation, Nonproduction | $6.8M | $5.1M | $5.1M | $5.6M |
| Financing Receivable, Credit Loss, Expense (Reversal) | $26.3M | $21.5M | — | — |
| Deferred Income Tax Expense (Benefit) | ($5.6M) | ($3.5M) | $2.4M | $2.2M |
| Accretion (Amortization) of Discounts and Premiums, Investments | $3.7M | $4.1M | $4.0M | $5.6M |
| Net accretion of loan discount and indemnification asset | $4.9M | $1.9M | $3.8M | $266.0K |
| Amortization of Intangible Assets | $3.7M | $3.8M | $4.6M | $5.4M |
| Amortization Of Servicing Assets | $926.0K | $1.1M | $1.6M | $3.1M |
| Payment for Origination, Loan, Mortgage, Held-for-Sale | ($27.2M) | ($23.4M) | ($19.6M) | ($67.5M) |
| Proceeds from Sale, Loan, Mortgage, Held-for-Sale | $26.6M | $23.8M | $20.6M | $73.0M |
| Gain (Loss) on Sale of Investments | ($49.0K) | $0 | ($601.0K) | $0 |
| Gains (Loss) On Loans Sold | ($4.2M) | ($1.4M) | ($2.0M) | — |
| Gain (Loss) on Sale of Properties | ($6.3M) | ($3.1M) | ($187.0K) | $93.0K |
| Gain (Loss) on Disposition of Property Plant Equipment | $0 | $0 | ($46.0K) | ($54.0K) |
| Gain on state tax credits, net | ($798.0K) | ($2.0M) | ($904.0K) | ($1.5M) |
| Share-Based Payment Arrangement, Noncash Expense | $13.5M | $10.9M | $10.1M | $8.0M |
| Increase (Decrease) in Other Operating Assets and Liabilities, Net | ($50.2M) | $23.3M | $8.7M | ($20.0M) |
| Net Cash Provided by (Used in) Operating Activities, Total | $193.5M | $247.4M | $268.2M | $216.6M |
| Payments for (Proceeds from) Loans and Leases | ($486.1M) | ($398.2M) | ($1.2B) | ($722.7M) |
| Proceeds from Divestiture of Businesses | $277.0M | — | — | — |
| Proceeds from Sale of Debt Securities, Available-for-Sale | $139.1M | $0 | $40.4M | $0 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale | $435.3M | $316.9M | $233.1M | $238.9M |
| Proceeds from Sale and Maturity of Held-to-Maturity Securities | $25.0M | $6.8M | $9.1M | $11.9M |
| Proceeds from Maturities, Prepayments and Calls of Other Investments | $133.4M | $68.7M | $92.9M | $13.0M |
| Proceeds From Sale Of Loans | $83.8M | $25.1M | $45.0M | — |
| Proceeds from the sale of state tax credits held for sale | $4.5M | $10.4M | $4.6M | $20.6M |
| Proceeds from Sale of Other Real Estate | $4.0M | $11.5M | $457.0K | $2.5M |
| Proceeds from Sale of Property, Plant, and Equipment | $0 | $0 | $357.0K | $1.7M |
| Proceeds from Life Insurance Policy | $2.1M | $1.1M | $1.2M | $534.0K |
| Payments to Acquire Debt Securities, Available-for-Sale | ($1.3B) | ($563.6M) | ($318.8M) | ($728.2M) |
| Payments to Acquire Held-to-Maturity Securities | ($177.5M) | ($191.3M) | ($56.4M) | ($182.0M) |
| Payments to Acquire Other Investments | ($143.0M) | ($73.9M) | ($114.7M) | ($19.3M) |
| Payment to Acquire Life Insurance Policy, Investing Activities | ($75.0M) | — | — | — |
| Payments to acquire State tax credits held for sale | ($1.9M) | ($2.8M) | ($90.0K) | ($18.8M) |
| Payments to Acquire Property, Plant, and Equipment | ($12.0M) | ($7.5M) | ($6.6M) | ($1.9M) |
| Net Cash Provided by (Used in) Investing Activities, Total | ($1.1B) | ($796.9M) | ($1.3B) | ($1.4B) |
| Net Change Noninterest-Bearing Deposits, Domestic | $172.6M | $525.3M | ($684.0M) | $64.3M |
| Net Change Interest-Bearing Deposits, Domestic | $648.6M | $444.8M | $2.0B | ($578.9M) |
| Proceeds from (Payments for) Short Term FHLBank Borrowings, Financing Activities | $0 | $0 | ($100.0M) | $100.0M |
| Proceeds from Notes Payable | $63.3M | — | — | — |
| Repayments of Notes Payable | ($4.5M) | ($11.4M) | ($5.7M) | ($5.7M) |
| Repayments of Subordinated Debt | ($63.3M) | — | $0 | $0 |
| Proceeds from (Payments for) in Securities Sold under Agreements to Repurchase | $48.2M | ($5.6M) | ($20.6M) | ($24.0M) |
| Payments of Ordinary Dividends, Common Stock | ($45.1M) | ($39.5M) | ($37.4M) | ($33.6M) |
| Payments of Ordinary Dividends, Preferred Stock and Preference Stock | ($3.8M) | ($3.8M) | ($3.8M) | ($4.0M) |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $90.3M | $49.4M | $146.6M | $101.3M |
| Depreciation | $4.1M | $2.1M | $4.7M | $3.1M |
| Provision for credit losses | $21.5M | $7.2M | $17.1M | $8.7M |
| Deferred income taxes | $2.9M | $2.2M | ($4.3M) | ($2.8M) |
| Net amortization of discount/premiums on debt securities | $1.4M | $630.0K | $3.1M | $2.1M |
| Net amortization on loans | $3.5M | $1.6M | $866.0K | $975.0K |
| Amortization of intangible assets | $2.7M | $1.4M | $2.3M | $1.6M |
| Amortization of servicing assets | $506.0K | $280.0K | $694.0K | $476.0K |
| Mortgage loans originated-for-sale | ($13.8M) | ($4.2M) | ($19.9M) | ($12.2M) |
| Proceeds from mortgage loans sold | $13.6M | $4.7M | $19.5M | $11.7M |
| Investment securities | $2.1M | $0 | ($106.0K) | ($106.0K) |
| SBA loans | ($1.4M) | ($1.4M) | ($4.2M) | ($3.0M) |
| OREO | $597.0K | $295.0K | ($86.0K) | ($79.0K) |
| Fixed assets | ($687.0K) | — | — | — |
| State tax credits | ($153.0K) | ($153.0K) | ($110.0K) | ($110.0K) |
| Stock-based compensation | $7.9M | $4.3M | $9.2M | $6.2M |
| Net change in other assets and liabilities | ($8.0M) | ($9.8M) | ($24.8M) | ($16.6M) |
| Net cash provided by operating activities | $127.2M | $58.5M | $150.7M | $101.3M |
| Net increase in loans | ($158.0M) | $67.6M | ($457.0M) | ($255.2M) |
| Branch acquisition | $250.0K | $250.0K | — | — |
| Sale of debt and equity securities, available-for-sale | $178.3M | — | — | — |
| Paydown or maturity of debt securities, available-for-sale | $321.7M | $177.2M | $294.9M | $198.0M |
| Paydown or maturity of debt securities, held-to-maturity | $35.4M | $17.8M | $20.7M | $9.4M |
| Redemption of other investments | $43.0M | $8.8M | $109.2M | $63.1M |
| Sale of SBA loans | $27.3M | $27.3M | $83.8M | $60.0M |
| Sale of state tax credits held for sale | $872.0K | $872.0K | $725.0K | $725.0K |
| Sale of OREO | $16.8M | $7.9M | $4.0M | $3.6M |
| Sale of fixed assets | $939.0K | — | — | — |
| Settlement of bank-owned life insurance policies | $1.6M | $1.6M | $2.1M | $2.1M |
| Available-for-sale debt securities | ($643.7M) | ($206.2M) | ($721.6M) | ($488.5M) |
| Held-to-maturity debt securities | $0 | $0 | ($178.5M) | ($175.1M) |
| Other investments | ($95.2M) | ($10.9M) | ($131.6M) | ($78.1M) |
| Bank-owned life insurance | $0 | $0 | ($75.0M) | ($75.0M) |
| State tax credits held for sale | $0 | $0 | ($360.0K) | ($360.0K) |
| Fixed assets | ($2.7M) | ($1.0M) | ($9.0M) | ($6.7M) |
| Net cash used in investing activities | ($273.4M) | $91.1M | ($1.0B) | ($732.3M) |
| Net increase (decrease) in noninterest-bearing demand accounts | $36.1M | ($45.7M) | ($97.6M) | ($161.7M) |
| Net increase (decrease) in interest-bearing demand accounts | ($142.9M) | ($39.2M) | $519.0M | $332.6M |
| Net increase in short term FHLB advances, net | $208.0M | $0 | $327.0M | $294.0M |
| Repayment of term loan | ($58.7M) | ($2.3M) | ($2.3M) | — |
| Net decrease in other borrowings | ($120.8M) | ($66.1M) | ($63.3M) | ($70.2M) |
| Proceeds from issuance of subordinated debentures, net | $172.1M | — | — | — |
| Repurchase of common stock | ($50.0M) | ($27.2M) | ($10.6M) | ($10.6M) |
| Cash dividends paid on common stock | ($24.5M) | ($12.2M) | ($33.3M) | ($21.8M) |
| Cash dividends paid on preferred stock | ($1.9M) | ($938.0K) | ($2.8M) | ($1.9M) |
ENTERPRISE FINANCIAL SERVICES CORP score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.