Enterprise Financial Services Corp (EFSC) Income Statement
EFSC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsEFSC revenue and net income
Where EFSC's revenue goes
2025Each bar shows an amount and its share of revenue. EFSC kept 22.1% of revenue as net income.
EFSC profit margins
EFSC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +12.0% | +19.6% | +21.3% | +19.5% |
| Gross profit | +22.4% | +8.2% | +20.4% | +16.1% |
| Operating income | +22.7% | +3.0% | +25.3% | +17.1% |
| Net income | +8.7% | −0.3% | +22.0% | +18.0% |
| EPS (diluted) | +7.2% | −0.5% | +19.2% | +12.2% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
EFSC quarterly EPS vs estimates
Enterprise Financial Services beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 21, 2026 (estimate $1.38).
EFSC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $912.4M | $814.4M | $68.7M | $533.7M | $421.6M | $347.3M | $345.4M | $273.3M | $234.4M | $178.3M |
| Cost of revenue | $288.0M | $304.5M | $238.9M | $40.6M | $36.4M | $100.2M | $72.8M | $52.5M | $35.4M | $17.3M |
| Gross profit | $624.4M | $509.9M | $68.7M | $493.1M | $385.2M | $247.1M | $272.6M | $220.8M | $199.0M | $160.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $156.7M | $195.9M | $172.7M | $154.1M | $130.7M | $96.2M | $95.6M | $72.4M | $67.7M | $57.6M |
| Total operating expenses | $340.7M | $278.7M | $177.8M | $233.6M | $216.6M | $155.1M | $156.6M | $116.2M | $112.5M | $86.1M |
| Operating income | $283.7M | $231.2M | $246.5M | $259.5M | $168.6M | $91.9M | $116.0M | $104.6M | $86.5M | $74.8M |
| Interest income | $886.3M | $849.2M | $713.2M | $515.1M | $383.2M | $304.8M | $304.1M | $236.9M | $202.1M | $149.0M |
| Interest expense | $261.7M | $283.0M | $202.3M | $41.2M | $23.0M | $34.8M | $66.4M | $45.9M | $25.2M | $13.7M |
| Income before taxes | $283.7M | $231.2M | $246.5M | $259.5M | $168.6M | $91.9M | $116.0M | $104.6M | $86.5M | $74.8M |
| Income taxes | $82.3M | $46.0M | $52.5M | $56.4M | $35.6M | $17.6M | $23.3M | $15.4M | $38.3M | $26.0M |
| Net income | $201.4M | $185.3M | $194.1M | $203.0M | $133.1M | $74.4M | $92.7M | $89.2M | $48.2M | $48.8M |
| EBITDA | $295.1M | $241.3M | $246.5M | $273.5M | $182.8M | $103.8M | $127.3M | $110.6M | $92.4M | $78.2M |
| EPS (diluted) | $5.24 | $4.89 | $5.13 | $5.32 | $3.27 | $2.18 | $4.07 | $3.63 | $2.70 | $2.04 |
| Gross margin | 68.4% | 62.6% | 100.0% | 92.4% | 91.4% | 71.2% | 78.9% | 80.8% | 84.9% | 90.3% |
| Operating margin | 31.1% | 28.4% | 358.7% | 48.6% | 40.0% | 26.5% | 33.6% | 38.3% | 36.9% | 42.0% |
| Net margin | 22.1% | 22.7% | 282.4% | 38.0% | 31.6% | 21.4% | 26.9% | 32.6% | 20.6% | 27.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $242.8M | $244.2M | $257.7M | $243.7M | $209.4M | $201.6M | $205.0M | $208.5M | $201.2M | $199.7M | $198.5M | $192.5M |
| Cost of revenue | $74.8M | $66.2M | $73.3M | $75.6M | $69.7M | $69.4M | $75.8M | $76.9M | $75.9M | $75.8M | $84.4M | $67.3M |
| Gross profit | $168.0M | $178.0M | $184.3M | $168.2M | $139.7M | $132.2M | $129.2M | $131.5M | $125.3M | $123.9M | $114.1M | $125.2M |
| Sales, general & admin | $59.0M | $61.7M | $50.1M | $53.2M | $2.0M | $51.4M | $50.7M | $48.6M | $47.7M | $48.9M | $44.8M | $43.6M |
| Total operating expenses | $115.7M | $115.1M | $114.5M | $79.5M | $75.5M | $71.2M | $68.5M | $68.8M | $68.1M | $73.3M | $58.6M | $68.2M |
| Operating income | $52.2M | $62.9M | $69.8M | $88.7M | $64.2M | $61.0M | $60.6M | $62.8M | $57.2M | $50.6M | $55.5M | $57.0M |
| Interest income | — | $224.7M | $231.8M | $224.9M | $218.3M | $211.4M | $214.9M | $215.8M | $211.2M | $207.3M | $206.7M | $200.9M |
| Interest expense | $60.6M | $58.9M | $64.1M | $67.1M | $66.2M | $64.3M | $69.0M | $72.8M | $71.1M | $70.0M | $66.4M | $59.3M |
| Income before taxes | $52.2M | $62.9M | $69.8M | $88.7M | $64.2M | $61.0M | $60.6M | $62.8M | $57.2M | $50.6M | $55.5M | $57.0M |
| Income taxes | $11.3M | $13.5M | $15.0M | $43.4M | $12.8M | $11.1M | $11.8M | $12.2M | $11.7M | $10.2M | $11.0M | $12.4M |
| Net income | $40.9M | $49.4M | $54.8M | $45.2M | $51.4M | $50.0M | $48.8M | $50.6M | $45.4M | $40.4M | $44.5M | $44.7M |
| EBITDA | $55.8M | $66.6M | $73.5M | $91.3M | $67.0M | $63.4M | $63.0M | $65.3M | $59.8M | $53.2M | $58.2M | $59.7M |
| EPS (diluted) | $1.13 | $1.31 | $1.36 | $1.20 | $1.37 | $1.31 | $1.32 | $1.29 | $1.21 | $1.07 | $1.21 | $1.17 |
| Gross margin | 69.2% | 72.9% | 71.5% | 69.0% | 66.7% | 65.6% | 63.0% | 63.1% | 62.3% | 62.1% | 57.5% | 65.0% |
| Operating margin | 21.5% | 25.7% | 27.1% | 36.4% | 30.7% | 30.3% | 29.6% | 30.1% | 28.4% | 25.4% | 28.0% | 29.6% |
| Net margin | 16.9% | 20.2% | 21.3% | 18.6% | 24.5% | 24.8% | 23.8% | 24.3% | 22.6% | 20.2% | 22.4% | 23.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in EFSC's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
EFSC financial results
In fiscal year 2025 (ended December 31, 2025), Enterprise Financial Services reported revenue of $912.4 million, up 12.0% from the year before. It had net income of $201.4 million (up 8.7%), a net profit margin of 22.1%. Diluted earnings per share came to $5.24. Over five years revenue grew at an average rate of 21.3% a year.
See the EFSC stock overview for the latest quote and news, or the EFSC chart for price history and technical indicators.
EFSC income statement FAQ
What is Enterprise Financial Services's annual revenue?
Enterprise Financial Services reported total revenue of $912.4 million for fiscal year 2025, which ended on December 31, 2025. That was up 12.0% from $814.4 million the previous year.
Is Enterprise Financial Services profitable?
Yes. Enterprise Financial Services reported net income of $201.4 million in fiscal 2025, a net profit margin of 22.1%; its operating margin was 31.1%.
What is Enterprise Financial Services's gross margin?
Enterprise Financial Services's gross margin was 68.4% in fiscal 2025: for every $100 of revenue, Enterprise Financial Services kept $68 after the direct cost of its products and services.
How fast is Enterprise Financial Services growing?
Revenue grew 21.3% a year on average over the last five fiscal years, from $347.3 million to $912.4 million.
What are Enterprise Financial Services's earnings per share?
Enterprise Financial Services earned $5.24 per diluted share in fiscal 2025, compared with $4.89 a year earlier.
When will Enterprise Financial Services report its next earnings?
Enterprise Financial Services is expected to report results for the quarter ending September 30, 2026 on October 21, 2026 after the market closes.
When does Enterprise Financial Services's fiscal year end?
Enterprise Financial Services's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.