EFSC at a glance
ENTERPRISE FINANCIAL SERVICES CORP (EFSC, SEC CIK 1025835) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on August 20, 2026 and Form 4 insider filings as recently as August 18, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), ENTERPRISE FINANCIAL SERVICES CORP (EFSC) reported revenue of $888.4 million (up 4.4% from FY2024) and net income of $201.4 million. Diluted EPS was $5.31.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding ENTERPRISE FINANCIAL SERVICES CORP (EFSC) shares worth $859.4 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $888.4M
- +4.4% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 29 funds
- $859.4M · +0 vs prior quarter
- Latest 8-K
- Aug 20, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional banking and financial services provider
- No new products, services, or segments introduced or emphasized in 2026 filing
- Continued share repurchase program authorized in May 2022 with 67,000 shares repurchased at $52.64 average price in November 2025
- Stockholder return $172.97 in 2025 vs $100.00 in 2020, outperforming S&P Regional Banks Index at $146.25 but lagging Nasdaq Composite at $221.45
- No sales of unregistered securities reported during 2026 fiscal year
Risk Factors
- Cybersecurity risk overseen by CISO and Disclosure Committee for timely SEC-compliant incident disclosure
- Annual third-party penetration audits and frequent internal security tests to mitigate information security vulnerabilities
- Monthly phishing tests for all associates to reduce risk of unauthorized access and data breaches
- Board reviews IS program effectiveness annually to ensure robust data privacy and security controls
Management Discussion & Analysis
- Revenue $1.001B total (interest $888M + noninterest $113M), net interest income $627M up $59M or 10.4% YoY from $568M in 2024
- Operating margin (efficiency ratio) 58.1% vs 60.4%, net interest margin increased slightly to 4.21% from 4.16% in 2024
- Best segment: net interest income grew by $58.6M due to loan and securities balance increases; worst: noninterest expense rose 12% (+$44.8M) from $385M to $429.8M, driven by compensation and deposit costs
- Cash: repurchased 258,739 shares at $54.60 avg; dividends $1.22/share up 15%; redeemed $63.3M subordinated debt, issued $63.3M senior note; acquired 12 branches with $609M deposits and $292M loans
- Outlook/risk: Federal Reserve rate cuts lower funding costs; solar tax credits $24.1M recaptured but insured for recovery; earnings driven by asset growth and margin management with ongoing expense pressures
AI summary of the EFSC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Interest-rate sensitivity: +300 bp shock projected to increase 12-month net interest income 10.2%
- Interest-rate sensitivity: −300 bp shock projected to decrease 12-month net interest income 7.2%
- Derivatives: $600.0 million notional value hedging floating-rate loan cash flows
Risk Factors
- No risk-factors section provided; supplied text contains Items 2–6 only
- No newly added risk or material risk-factor update identifiable from the provided excerpt
- July 2026 authorization for up to 2 million additional share repurchases
- 249,400 shares remained available under the May 2022 repurchase plan
- No officer or director adopted or terminated a Rule 10b5-1 trading plan during the quarter
AI summary of the EFSC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Sandra A. Van Trease resigned from Enterprise Financial Services and Enterprise Bank & Trust boards effective August 19, 2026
- Departure includes chairmanship of Nominating and Governance Committee and membership on three additional committees
Item 7.01: Regulation FD Disclosure
- Filing signed July 27, 2026 by Troy R. Dumlao, Executive Vice President and Chief Accounting Officer
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results covered quarter ended June 30, 2026
- Press release furnished as Exhibit 99.1, containing the company’s financial results
Item 8.01: Other Events
- Board authorized repurchase of 2,000,000 additional shares, approximately 5% of shares outstanding as of June 30, 2026
- Combined authorization includes 249,400 previously available shares under the May 2022 plan
Item EX-99.1: Item EX-99.1
- Q2 net income $40.9M, EPS $1.09 versus $1.30 linked quarter and $1.36 prior year, reflecting weaker profitability
- NIM increased to 4.30% and loans grew $199.6M to $11.9B, supporting core net interest income of $168.7M
AI summaries of EFSC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for EFSC
Don't miss the next EFSC filing
- Alerts as it files. A push when EFSC files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut EFSC, by share count.
- Ask anything. An AI agent that reads every EFSC filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MARSH STEPHEN P | A | Aug 14, 2026 | 1,057 | - |
| Holmes Michael | A | Aug 14, 2026 | 1,956 | - |
| Young Lina A | A | Aug 14, 2026 | 978 | - |
| VAN TREASE SANDRA | A | Aug 14, 2026 | 2,227 | - |
| Manjarrez Marcela | A | Aug 14, 2026 | 978 | - |
| KENT NEVADA A | A | Aug 14, 2026 | 1,057 | - |
| Andrich Lyne | A | Aug 14, 2026 | 978 | - |
| ANDERSON LARS C | A | Aug 14, 2026 | 2,115 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $764.9M | $851.1M | $888.4M |
| Net Income | $194.1M | $185.3M | $201.4M |
| Net Margin | 25.4% | 21.8% | 22.7% |
| Balance Sheet | |||
| Total Assets | $14.5B | $15.6B | $17.3B |
| Equity | $1.7B | $1.8B | $2.0B |
| ROE | 11.3% | 10.2% | 9.9% |
| Per Share | |||
| EPS | - | $4.83 | $5.31 |
| Cash Flow | |||
| Operating CF | $268.2M | $247.4M | $193.5M |
| CapEx | $6.6M | $7.5M | $12.0M |
Source: XBRL data in ENTERPRISE FINANCIAL SERVICES CORP (EFSC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate EFSC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $859.4M |
| Q1 2026 | 29 | $632.0M |
| Q4 2025 | 26 | $634.1M |
| Q3 2025 | 28 | $709.6M |
| Q2 2025 | 28 | $664.8M |
| Q1 2025 | 25 | $439.6M |
| Q4 2024 | 21 | $397.4M |
| Q3 2024 | 18 | $243.1M |
- State Street Corp+249.1K (+18%)
- ENTERPRISE FINANCIAL SERVICES CORP+179.4K (+54%)
- BlackRock+172.6K (+5%)
- Raymond James Financial+169.6K (+380%)
- Two Sigma Investments+106.8K (+215%)
- Bank of America Corp−52.6K (-13%)
- Vanguard Capital Management LLC−16.8K (-1%)
- Invesco Ltd−6.8K (-12%)
- Morgan Stanley−3.8K (-3%)
- U.S. Bancorp−223 (-6%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 204 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
EFSC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Aug 20, 2026 | - | Analysis | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 13F-HR | Aug 4, 2026 | Jun 30, 2026 | - | |
| 10-Q | Jul 31, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 8-K | Jun 17, 2026 | - | Analysis | - |
| 8-K | Jun 9, 2026 | - | Analysis | |
| 8-K | May 15, 2026 | - | Analysis |
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EFSC SEC filings: frequently asked questions
Which institutions hold EFSC stock?
As of June 30, 2026, the largest ENTERPRISE FINANCIAL SERVICES CORP (EFSC) holders among the 13F filers tracked by SignalX were BlackRock ($235.0 million), Dimensional Fund Advisors ($147.0 million), State Street Corp ($105.6 million), Vanguard Capital Management LLC ($103.0 million), Vanguard Portfolio Management LLC ($37.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was EFSC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), ENTERPRISE FINANCIAL SERVICES CORP (EFSC) reported revenue of $888.4 million (up 4.4% from FY2024) and net income of $201.4 million. Diluted EPS was $5.31. The figures come from the XBRL data in the 10-K.
What are the main risks in EFSC's latest 10-K?
In the 10-K filed February 27, 2026, ENTERPRISE FINANCIAL SERVICES CORP (EFSC) flagged: Cybersecurity risk overseen by CISO and Disclosure Committee for timely SEC-compliant incident disclosure. Annual third-party penetration audits and frequent internal security tests to mitigate information security vulnerabilities. (AI summary of the Risk Factors section.)
What did EFSC report in its latest 8-K?
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) filed an 8-K on August 20, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Sandra A. Van Trease resigned from Enterprise Financial Services and Enterprise Bank & Trust boards effective August 19, 2026.
What are the latest EFSC SEC filings?
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on August 20, 2026 and a Form 4 insider filing on August 18, 2026.
What is EFSC's SEC CIK number?
ENTERPRISE FINANCIAL SERVICES CORP (EFSC)'s SEC Central Index Key (CIK) is 1025835. EDGAR lists every EFSC filing under that number.
Ask anything about EFSC
The research agent reads EFSC's filings, financials, insider trades and 13F holders, then answers with sources.