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Enterprise Financial Services Corp. (EFSC)
NASDAQ:EFSC
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 28, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.22Last Year’s EPS
1.19Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 28, 2025
|% Change Since: 1.37%
|Next Earnings Date:Jul 28, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance with record earnings and strategic growth through acquisition. However, there were challenges with increased non-performing assets and seasonal declines in deposits and loan paydowns. Despite these lowlights, the overall sentiment is positive due to significant achievements and strong strategic positioning.Company Guidance
In the Enterprise Financial Services Corp's 1Q'25 earnings call, President and CEO Jim Lally highlighted several key metrics showcasing strong financial performance. The company reported earnings of $1.31 per diluted share, up from $1.28 in the previous quarter and $1.05 a year ago. This performance contributed to an adjusted return on assets of 1.29% and a pre-provision ROAA of 1.71%. The net interest income (NII) expanded by $1.1 million from the previous quarter, marking the fourth consecutive quarter of NII growth. Loan growth was reported at 3%, equating to $78 million, despite a $30 million sale of SBA loans and a $75 million seasonal decline in tax credit loans. The cost of deposits fell by 17 basis points to 1.83%, while the tangible common equity to tangible assets ratio stood at 9.30%. The company also announced a $0.01 increase in the quarterly dividend to $0.30 per share and repurchased $11 million in common shares. The strategic acquisition of 12 branches from First Interstate Bank, involving $740 million in deposits and $200 million in loans, is expected to enhance EPS in 2026 and aligns with the company's growth strategy.Record Earnings and Revenue Growth
Earnings per share increased to $1.31, up from $1.28 in the linked quarter and $1.05 in the first quarter of 2024. Net interest income saw an increase of $1.1 million despite a shorter quarter.
Strategic Acquisition of First Interstate Bank Branches
The acquisition includes 12 branches, with 10 in Arizona, adding approximately $740 million in deposits and $200 million in commercial loans, supporting strategic growth in attractive markets.
Improvement in Deposit Costs
The overall cost of deposits reduced to 1.83%, a decrease of 17 basis points during the quarter.
Strong Loan Origination
Loan originations increased by nearly 40% compared to Q1 of the previous year, with significant growth in C&I and commercial real estate loans.
Stable and Strong Capital Position
Tangible common equity to tangible assets ratio remained stable at 9.30%, with a 14% return on tangible common equity for the first quarter.
EFSC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EFSC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 28, 2025 | $51.99 | $51.67 | -0.62% |
Jan 27, 2025 | $57.25 | $59.72 | +4.31% |
Oct 21, 2024 | $51.02 | $52.45 | +2.80% |
Jul 22, 2024 | $46.98 | $52.79 | +12.37% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Enterprise Financial Services Corp. (EFSC) report earnings?
Enterprise Financial Services Corp. (EFSC) is schdueled to report earning on Jul 28, 2025, TBA Not Confirmed.
What is Enterprise Financial Services Corp. (EFSC) earnings time?
Enterprise Financial Services Corp. (EFSC) earnings time is at Jul 28, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EFSC EPS forecast?
EFSC EPS forecast for the fiscal quarter 2025 (Q2) is 1.22.