EFSC ENTERPRISE FINANCIAL SERVICES CORP
FY2025 10-K
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Regional banking and financial services provider
- • No new products, services, or segments introduced or emphasized in 2026 filing
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
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
Financial SummaryXBRL
Revenue
$888M
Net Income
$201M
Net Margin
22.7%
ROE
9.9%
Total Assets
$17.3B
EPS (Diluted)
$5.31
Operating Cash Flow
$194M
Source: XBRL data from ENTERPRISE FINANCIAL SERVICES CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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