Logotype for Enterprise Financial Services Corporation

Enterprise Financial Services (EFSC) investor relations material

Enterprise Financial Services Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Enterprise Financial Services Corporation
Q2 2025 earnings summary29 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $51.4 million, up $1.4 million from the prior quarter and $5.9 million year-over-year; diluted EPS was $1.36, up from $1.31 sequentially and $1.19 year-over-year.

  • Net interest income rose to $152.8 million, a $5.2 million increase from the linked quarter and $12.2 million year-over-year, driven by higher loan and securities balances and yields.

  • Loans grew by $110.1 million to $11.4 billion, and deposits increased by $283.1 million to $13.3 billion compared to the previous quarter.

  • Tangible book value per share increased to $40.02, an annualized quarterly increase of 15%.

  • Dividend increased to $0.31 per share for Q3 2025.

Financial highlights

  • Net interest margin (NIM) was 4.21%, up 6 basis points from the prior quarter and 2 basis points year-over-year.

  • Return on average assets was 1.30% for Q2 2025, up from 1.25% in Q2 2024; pre-provision ROAA was 1.72%.

  • Efficiency ratio improved to 60.97% for Q2 2025 from 61.30% in Q2 2024; core efficiency ratio was 59.3%.

  • Allowance for credit losses on loans was 1.27% of total loans (1.38% adjusted for government guarantees).

  • CET1 ratio was 11.9%, and tangible common equity to tangible assets was 9.42%.

Outlook and guidance

  • Management expects continued organic loan and deposit growth, with a focus on high-quality C&I relationships and geographic diversification.

  • Pending acquisition of 12 branches from First Interstate Bank, expected to close in Q4 2025, will add ~$705 million in deposits and ~$300 million in loans.

  • Net interest margin anticipated to remain stable or slightly lower in Q3, with upward bias if no rate cuts occur.

  • Interest rate environment remains a key variable; proactive deposit pricing and hedging strategies are in place to manage NIM.

  • SBA loan sales and tax credit income will be evaluated quarterly, with seasonal strength expected in Q4.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Enterprise Financial Services earnings date

Logotype for Enterprise Financial Services Corporation
Q3 202528 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Enterprise Financial Services earnings date

Logotype for Enterprise Financial Services Corporation
Q3 202528 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, 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.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

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.
App-store-avatar.png play-store-avatar.png
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
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.
App-store-avatar.png play-store-avatar.png
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@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