)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Enterprise Financial Services (EFSC) investor relations material
Enterprise Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $45.2 million ($1.19 per diluted share), down from $51.4 million in Q2 and $50.6 million in Q3 2024, impacted by a solar tax credit recapture event offset by insurance proceeds.
Net interest income rose to $158.3 million, up $5.5 million from Q2 and $14.8 million year-over-year, with NIM at 4.23%.
Loans grew to $11.6 billion, up $174.3 million from Q2 and $503.2 million year-over-year; deposits increased to $13.6 billion, up $250.6 million from Q2 and $1.1 billion year-over-year.
Tangible book value per share increased to $41.58; CET1 ratio improved to 12.0%.
Completed acquisition of 12 branches (10 in Arizona, 2 in Kansas), adding $650M in deposits and $300M in loans, expanding market presence.
Financial highlights
Pre-provision net revenue (PPNR) was $65.6 million, down $2.5 million from Q2.
Noninterest income surged to $48.6 million, mainly due to $32.1 million in anticipated insurance proceeds from a solar tax credit recapture event.
Noninterest expense increased to $109.8 million, up $4.1 million from Q2, mainly due to higher compensation, deposit costs, and acquisition expenses.
Allowance for credit losses was $148.9 million, or 1.29% of total loans, up from 1.23% at year-end 2024.
Nonperforming loans rose to $127.9 million, primarily due to two large relationships in bankruptcy, but are well-collateralized.
Outlook and guidance
Management expects continued strong loan and deposit growth, with proactive deposit pricing to mitigate lower rates.
NIM expected to remain near 4.20% for most of 2026, assuming Moody’s baseline rate path.
Expenses projected to rise ~3.5% year-over-year, with normalized Q4 run rate of $111–$113M.
Fee income for Q4 expected between Q2 (high) and Q3 (baseline) levels; SBA loan sales may be limited.
Integration of newly acquired branches is expected to enhance funding and customer service.
Explain the high certainty of NPA collection
How does tax credit recapture affect future NII?
What drives core efficiency ratio deterioration?
Update on Southern CA CRE and LIPF loan resolution?
How will NIM be defended with future rate cuts?
M&A vs. buybacks: What's the capital priority?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Enterprise Financial Services earnings date
Q4 202520 Jan, 2026
Next Enterprise Financial Services earnings date
Q4 202520 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Enterprise Financial Services Corporation is a financial holding company offering banking and financial services through its subsidiary, Enterprise Bank & Trust. It provides commercial and personal banking, wealth management, and specialized lending solutions to individuals and businesses. The company operates primarily in the Midwest and Southwest regions of the United States. Enterprise Financial Services Corporation is headquartered in Clayton, Missouri, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage