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Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, New Mexico, and in the United States. It provides interest and non-interest-bearing demand, money markets accounts, savings, and certificates of deposit. The company also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, small business administration, consumer, and other loan products. In addition, it offers treasury management and international trade services; life insurance premium and sponsor finance; tax credit related lending; tax credit brokerage services; other deposit accounts, such as community associations, property management, legal industry and escrow services; treasury management product and services; customized solutions and products; cash management systems; fiduciary, investment management, and financial advisory services; and customer hedging products, international banking, card services, and tax credit businesses. Further, the company provides online, device applications, text, and voice banking; remote deposit capture; internet banking, mobile banking, cash management, positive pay, fraud detection and prevention, automated payables, check image, and statement and document imaging services; and controlled disbursements, repurchase agreements, and sweep investment accounts. Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $616M | - | $201M | $182M | 10.2% | 16.0% | 8.7% |
| 2024 | $531M | - | $185M | $240M | 10.6% | -1.8% | -4.5% |
| 2023 | $541M | - | $194M | $262M | 11.8% | 9.9% | -4.4% |
| 2022 | $492M | - | $203M | $215M | 14.0% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 492.48 | 541.19 | 531.45 | 616.38 |
| Operating Revenue | - | 492.48 | 541.19 | 531.45 | 616.38 |
| Selling General And Administration | - | 154.13 | 177.73 | 195.87 | 211.96 |
| Interest Income | - | 513.71 | 763.51 | 849.24 | 886.32 |
| Interest Expense | - | 41.18 | 202.33 | 282.96 | 261.67 |
| Net Interest Income | - | 472.53 | 561.18 | 566.28 | 624.65 |
| Pretax Income | - | 259.46 | 246.53 | 231.24 | 283.72 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -0.02 | 0.04 | 0.61 | 1.82 |
| Net Income Continuous Operations | - | 203.04 | 194.06 | 185.27 | 201.37 |
| Net Income From Continuing And Discontinued Operation | - | 203.04 | 194.06 | 185.27 | 201.37 |
| Net Income From Continuing Operation Net Minority Interest | - | 203.04 | 194.06 | 185.27 | 201.37 |
| Net Income | - | 203.04 | 194.06 | 185.27 | 201.37 |
| Net Income Common Stockholders | - | 199 | 190.31 | 181.52 | 197.62 |
| Net Income Including Noncontrolling Interests | - | 203.04 | 194.06 | 185.27 | 201.37 |
| Normalized Income | - | 203.12 | 193.91 | 182.79 | 196.93 |
| Diluted NI Availto Com Stockholders | - | 199 | 190.31 | 181.52 | 197.62 |
| Basic Average Shares | - | 37.41 | 37.39 | 37.35 | 37.01 |
| Diluted Average Shares | - | 37.48 | 37.54 | 37.58 | 37.24 |
| Reconciled Depreciation | - | 14.01 | 11.34 | 10.07 | 11.43 |
| Total Unusual Items | - | -0.09 | 0.19 | 3.09 | 6.26 |
| Total Unusual Items Excluding Goodwill | - | -0.09 | 0.19 | 3.09 | 6.26 |
| Preferred Stock Dividends | - | 4.04 | 3.75 | 3.75 | 3.75 |
| Special Income Charges | -25.52 | 0 | 0 | - | - |
| Gain On Sale Of Business | -3.44 | - | - | - | - |
| Restructuring And Mergern Acquisition | 25.52 | 0 | 0 | - | - |
| Gain On Sale Of Security | - | 0 | 0 | 0 | 0 |
| Depreciation Amortization Depletion Income Statement | - | 5.37 | 4.60 | 3.83 | 3.72 |
| Depreciation And Amortization In Income Statement | - | 5.37 | 4.60 | 3.83 | 3.72 |
| General And Administrative Expense | - | 154.13 | 177.73 | 195.87 | 211.96 |
| Other Gand A | 25.60 | - | - | - | - |
| Salaries And Wages | - | 147.03 | 164.57 | 182.71 | 198.67 |
| Insurance And Claims | - | 7.10 | 13.16 | 13.16 | 13.30 |
| Amortization | - | 5.37 | 4.60 | 3.83 | 3.72 |
| Amortization Of Intangibles Income Statement | - | 5.37 | 4.60 | 3.83 | 3.72 |
| Occupancy And Equipment | - | 17.64 | 16.53 | 17.23 | 20.15 |
| Professional Expense And Contract Services Expense | - | 12.48 | 12.76 | 12.93 | 15.05 |
| Other Non Interest Expense | - | 44.02 | 46.44 | 48.83 | 55.43 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Enterprise Financial Services Corpthis co. | EFSC | $2.2B | 11.09↓ discount | 1.14 | 10.2% | - |
| First Busey Corporation | BUSE | $2.3B | 17.16 | 0.94 | 5.5% | - |
| The Bank of N.T. Butterfield & Son Limited | NTB | $2.3B | 9.83 | 2.00 | 20.3% | - |
| Stock Yards Bancorp, Inc. | SYBT | $2.1B | 15.11 | 1.97 | 13.0% | - |
| Columbia Financial, Inc. |
| 2021 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| CLBK |
| $2.1B |
| 40.70 |
| 1.82 |
| 4.5% |
| - |
| Banco Latinoamericano de Comercio Exterior, S. A. | BLX | $2.1B | 9.17 | 1.24 | 13.5% | - |
| Northwest Bancshares, Inc. | NWBI | $2.1B | 16.45 | 1.10 | 6.7% | - |
| LendingClub Corporation | LC | $2.0B | 14.94 | 1.35 | 9.0% | - |
| EZCORP, Inc. | EZPW | $2.0B | 18.05 | 1.93 | 10.7% | 11.23 |
| Peer Median | - | 15.78 | 1.58 | 9.9% | 11.23 | |