Short answer
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) filed its fiscal 2025 10-K annual report with the SEC on Feb 27, 2026. It reported revenue of $888M (+4.4% year over year) and net income of $201M.
- Top risk flagged: Cybersecurity risk overseen by CISO and Disclosure Committee for timely SEC-compliant incident disclosure
FY2025 key financial metrics · XBRL
- Revenue
- $888M
- +4.4% YoY
- Net income
- $201M
- +8.7% YoY
- EPS (diluted)
- $5.31
- +9.9% YoY
- ROE
- 9.9%
- −0.3 pp YoY
- Operating cash flow
- $194M
- −21.8% YoY
Source: XBRL data from the ENTERPRISE FINANCIAL SERVICES CORP (EFSC) FY2025 10-K on SEC EDGAR. USD.
ENTERPRISE FINANCIAL SERVICES CORP FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
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
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
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