Enterprise Financial | 10-Q: FY2025 Q3 Revenue: USD 274.01 M

Revenue: As of FY2025 Q3, the actual value is USD 274.01 M.

EPS: As of FY2025 Q3, the actual value is USD 1.19, missing the estimate of USD 1.294.

EBIT: As of FY2025 Q3, the actual value is USD -69.61 M.

Segment Revenue

• Commercial and Industrial Loans: $4,948,761 thousand as of September 30, 2025, compared to $4,720,428 thousand as of December 31, 2024.
• Real Estate Loans: Total real estate loans were $6,396,654 thousand as of September 30, 2025, compared to $6,219,197 thousand as of December 31, 2024.

Operational Metrics

• Net Income: $146,580 thousand for the nine months ended September 30, 2025, compared to $136,432 thousand for the same period in 2024.
• Provision for Credit Losses: $17,101 thousand for the nine months ended September 30, 2025, compared to $14,674 thousand for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: $150,673 thousand for the nine months ended September 30, 2025, compared to $195,423 thousand for the same period in 2024.
• Net Cash Used in Investing Activities: - $1,048,082 thousand for the nine months ended September 30, 2025, compared to - $463,763 thousand for the same period in 2024.

Unique Metrics

• Allowance for Credit Losses on Loans: $148,854 thousand as of September 30, 2025, compared to $137,950 thousand as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company continues to focus on maintaining a strong balance sheet and managing credit risk, with an emphasis on the commercial and industrial loan segment and real estate loans.
• Non-Core Business: The company is managing its investment portfolio with a focus on securities available-for-sale and held-to-maturity, with total securities available-for-sale valued at $2,351,493 thousand as of September 30, 2025.