Revenue: As of FY2025, the actual value is USD 1.002 B.EPS: As of FY2025, the actual value is USD 5.31, beating the estimate of USD 5.188.EBIT: As of FY2025, the actual value is USD -343.02 M.<h4>Segment Revenue</h4><ul><li>Total interest income for Enterprise Financial Services Corp was $888,410 thousand for the year ended December 31, 2025, increasing from $851,051 thousand in 2024 and $764,919 thousand in 2023.</li><li>Total noninterest income significantly increased to $113,123 thousand in 2025 from $69,703 thousand in 2024 and $68,725 thousand in 2023.<ul><li>Deposit service charges were $19,376 thousand in 2025, up from $18,344 thousand in 2024.</li><li>Wealth management revenue was $10,456 thousand in 2025, a slight increase from $10,452 thousand in 2024.</li><li>Card services revenue saw a minor increase to $9,995 thousand in 2025 from $9,966 thousand in 2024.</li><li>Tax credit income decreased to $7,697 thousand in 2025 from $8,954 thousand in 2024.</li><li>Anticipated insurance recoveries were $32,112 thousand in 2025, compared to - $0 in 2024, related to a solar tax credit recapture event.</li><li>Other income increased to $33,487 thousand in 2025 from $21,987 thousand in 2024, mainly due to higher Bank Owned Life Insurance (BOLI) income, increased gains on SBA loan sales, and a net gain on Other Real Estate Owned (OREO).</li></ul></li></ul><h4>Operational Metrics</h4><ul><li>Net interest income for Enterprise Financial Services Corp was $626,738 thousand in 2025, up from $568,096 thousand in 2024 and $562,592 thousand in 2023.</li><li>Provision for credit losses increased to $26,337 thousand in 2025 from $21,508 thousand in 2024, but was lower than $36,605 thousand in 2023.</li><li>Net income was $201,374 thousand in 2025, an increase from $185,266 thousand in 2024 and $194,059 thousand in 2023.</li><li>Total noninterest expense rose to $429,807 thousand in 2025 from $385,047 thousand in 2024 and $348,186 thousand in 2023.</li><li>Return on average assets was 1.24% in 2025, slightly down from 1.25% in 2024 and 1.41% in 2023.</li><li>Return on average common equity was 10.58% in 2025, a slight decrease from 10.60% in 2024 and 12.27% in 2023.</li><li>Return on average tangible common equity (ROATCE) was 13.34% in 2025, down from 13.58% in 2024 and 16.25% in 2023.</li><li>Net interest margin (tax-equivalent) was 4.21% in 2025, up from 4.16% in 2024, but down from 4.43% in 2023.</li><li>The efficiency ratio improved to 58.09% in 2025 from 60.37% in 2024, though higher than 55.15% in 2023.</li><li>The core efficiency ratio was 59.32% in 2025, up from 58.42% in 2024 and 53.42% in 2023.</li><li>Net charge-offs were $24,302 thousand in 2025, an increase from $17,450 thousand in 2024, but lower than $38,044 thousand in 2023.</li><li>Nonperforming loans significantly increased to $82,809 thousand in 2025 from $42,687 thousand in 2024 and $43,728 thousand in 2023.</li><li>Nonperforming assets rose to $164,353 thousand in 2025 from $46,642 thousand in 2024 and $49,464 thousand in 2023.</li><li>Classified assets increased to $410,485 thousand in 2025 from $193,838 thousand in 2024 and $185,389 thousand in 2023.</li></ul><h4>Loan Portfolio by Type (December 31, 2025)</h4><ul><li>Commercial &amp; Industrial (C&amp;I) loans totaled $5,231,616 thousand, representing 44.3% of total loans.</li><li>Commercial Real Estate (CRE) - investor owned loans were $2,984,858 thousand, accounting for 25.3% of total loans.</li><li>CRE - owner occupied loans amounted to $2,468,963 thousand, or 20.9% of total loans.</li><li>Construction and land development loans were $687,584 thousand, making up 5.9% of total loans.</li><li>Residential real estate loans totaled $367,682 thousand, or 3.1% of total loans.</li><li>Consumer loans were $59,635 thousand, representing 0.5% of total loans.</li></ul><h4>Unique Metrics</h4><ul><li>Pre-provision Net Revenue (PPNR) was $274,661 thousand in 2025, up from $255,156 thousand in 2024.</li><li>PPNR Return on Average Assets (PPNR ROAA) was 1.70% in 2025, down from 1.72% in 2024.</li><li>Total loans reached $11,800,338 thousand in 2025, an increase of 5.17% from $11,220,355 thousand in 2024.</li><li>Total deposits were $14,609,342 thousand in 2025, an increase of 11.13% from $13,146,492 thousand in 2024.</li><li>Average total deposits were $13,635,868 thousand in 2025, an increase of $1.1 billion or 9% from 2024.</li><li>Loan guarantees (SBA 7(a) loans) stood at $960.1 million at December 31, 2025, up from $947.7 million in 2024.</li><li>The deposit vertical portfolio was $3.8 billion at the end of 2025, compared to $3.4 billion at the end of 2024.</li><li>Federal Reserve borrowing capacity available was $3,047,606 thousand at December 31, 2025.</li><li>FHLB borrowing capacity available was $1,603,974 thousand at December 31, 2025.</li><li>Unpledged securities were $1,992,864 thousand at December 31, 2025.</li><li>Unused commitments to extend credit totaled $3.0 billion at December 31, 2025.</li></ul><h4>Outlook / Guidance</h4>Enterprise Financial Services Corp expects to continue paying comparable quarterly cash dividends on common stock. The Company anticipates collecting the full value of the $28.0 million in nonperforming loans that are well-secured by real estate collateral. Furthermore, Enterprise Financial Services Corp does not intend to originate new agricultural loans in the future.

Enterprise Financial | 10-K: FY2025 Revenue: USD 1.002 B