Sign In
NASDAQ:EFSC
Enterprise Financial Services Corp Stock Earnings Reports
$55.03
-0.600 (-1.08%)
At Close: Mar 21, 2025
Enterprise Financial Services Earnings Calls
Q4 2024
Beat
$1.32 (11.86%)
| Release date | Jan 27, 2025 |
| EPS estimate | $1.18 |
| EPS actual | $1.32 |
| EPS Surprise | 11.86% |
| Revenue estimate | 160.44M |
| Revenue actual | 20.631M |
| Revenue Surprise | -87.14% |
Q3 2024
Beat
$1.32 (15.79%)
| Release date | Oct 21, 2024 |
| EPS estimate | $1.14 |
| EPS actual | $1.32 |
| EPS Surprise | 15.79% |
| Revenue estimate | 158.31M |
| Revenue actual | 135.641M |
| Revenue Surprise | -14.32% |
Q2 2024
Beat
$1.19 (12.26%)
| Release date | Jul 22, 2024 |
| EPS estimate | $1.06 |
| EPS actual | $1.19 |
| EPS Surprise | 12.26% |
| Revenue estimate | 154.5M |
| Revenue actual | 227.138M |
| Revenue Surprise | 47.01% |
Q1 2024
Missed
$1.07 (-3.60%)
| Release date | Apr 22, 2024 |
| EPS estimate | $1.11 |
| EPS actual | $1.07 |
| EPS Surprise | -3.60% |
| Revenue estimate | 156.02M |
| Revenue actual | 219.881M |
| Revenue Surprise | 40.93% |
Last 4 Quarters for Enterprise Financial Services
Below you can see how EFSC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
Q1 2024
Missed
| Release date | Apr 22, 2024 |
| Fiscal end date | Mar 31, 2024 |
| Price on release | $39.71 |
| EPS estimate | $1.11 |
| EPS actual | $1.07 |
| EPS surprise | -3.60% |
| Date | Price |
|---|---|
| Apr 16, 2024 | $38.03 |
| Apr 17, 2024 | $37.95 |
| Apr 18, 2024 | $38.18 |
| Apr 19, 2024 | $39.68 |
| Apr 22, 2024 | $39.71 |
| Apr 23, 2024 | $39.20 |
| Apr 24, 2024 | $39.13 |
| Apr 25, 2024 | $38.89 |
| Apr 26, 2024 | $38.80 |
| 4 days before | 4.42% |
| 4 days after | -2.29% |
| On release day | -1.28% |
| Change in period | 2.02% |
Q2 2024
Beat
| Release date | Jul 22, 2024 |
| Fiscal end date | Jun 30, 2024 |
| Price on release | $47.71 |
| EPS estimate | $1.06 |
| EPS actual | $1.19 |
| EPS surprise | 12.26% |
| Date | Price |
|---|---|
| Jul 16, 2024 | $47.24 |
| Jul 17, 2024 | $47.99 |
| Jul 18, 2024 | $47.00 |
| Jul 19, 2024 | $47.50 |
| Jul 22, 2024 | $47.71 |
| Jul 23, 2024 | $53.61 |
| Jul 24, 2024 | $52.98 |
| Jul 25, 2024 | $53.10 |
| Jul 26, 2024 | $54.00 |
| 4 days before | 0.99% |
| 4 days after | 13.18% |
| On release day | 12.37% |
| Change in period | 14.31% |
Q3 2024
Beat
| Release date | Oct 21, 2024 |
| Fiscal end date | Sep 30, 2024 |
| Price on release | $51.54 |
| EPS estimate | $1.14 |
| EPS actual | $1.32 |
| EPS surprise | 15.79% |
| Date | Price |
|---|---|
| Oct 15, 2024 | $52.19 |
| Oct 16, 2024 | $53.40 |
| Oct 17, 2024 | $53.85 |
| Oct 18, 2024 | $53.08 |
| Oct 21, 2024 | $51.54 |
| Oct 22, 2024 | $52.98 |
| Oct 23, 2024 | $53.00 |
| Oct 24, 2024 | $53.10 |
| Oct 25, 2024 | $51.67 |
| 4 days before | -1.25% |
| 4 days after | 0.252% |
| On release day | 2.79% |
| Change in period | -1.00% |
Q4 2024
Beat
| Release date | Jan 27, 2025 |
| Fiscal end date | Dec 31, 2024 |
| Price on release | $57.56 |
| EPS estimate | $1.18 |
| EPS actual | $1.32 |
| EPS surprise | 11.86% |
| Date | Price |
|---|---|
| Jan 21, 2025 | $57.58 |
| Jan 22, 2025 | $56.53 |
| Jan 23, 2025 | $56.31 |
| Jan 24, 2025 | $56.43 |
| Jan 27, 2025 | $57.56 |
| Jan 28, 2025 | $60.04 |
| Jan 29, 2025 | $59.94 |
| Jan 30, 2025 | $60.12 |
| Jan 31, 2025 | $59.84 |
| 4 days before | -0.0347% |
| 4 days after | 3.96% |
| On release day | 4.31% |
| Change in period | 3.92% |
Enterprise Financial Services Earnings Call Transcript Summary of Q4 2024
Fourth Quarter 2024 Earnings Call
Earnings Performance:
- EPS: Q4 2024 earnings per share stood at $1.28, slightly down from $1.32 in Q3 2024 but up from $1.16 in Q4 2023.
- Net Income: The company reported net income of $49 million for the quarter and $185.3 million for the full year 2024.
- Adjusted Return: Adjusted return on assets was 1.31% in Q4 and 1.72% for the full year. Adjusted return on tangible common equity was 14.05% for Q4.
Loan and Deposit Growth:
- Client Deposits: Increased by $677 million in Q4, up 8% year-over-year, marking the fifth increase in the last six quarters.
- Loan Growth: Overall loan growth was 3% in 2024, with a notable $140 million increase (5% annualized) in Q4. Growth in C&I and construction loans was emphasized, alongside steady activity in specialty lending areas like life insurance premium finance.
Net Interest Margin and Income:
- Net Interest Margin: The quarterly net interest margin was stable at 4.13%, with expectations to maintain a margin above 4% despite potential rate cuts.
- Net Interest Income: Increased to $146.4 million in Q4 due to strong client deposit growth and proactive rate management.
Credit Quality:
- Asset Quality: Although non-performing assets increased slightly, the overall credit profile remains strong with net charge-offs at 16 basis points and adequate reserves held at 1.34% against unguaranteed loans.
- Allowance for Credit Losses: Sufficiently managed despite challenges in specific sectors.
Capital and Shareholder Returns:
- Capital Ratios: Tangible common equity ratio stood at 9.05%.
Enterprise Financial Services Earnings History
Earnings Calendar
FAQ
When is the earnings report for EFSC?
Enterprise Financial Services Corporation (EFSC) has scheduled its earnings report for Apr 28, 2025 before the markets open.
What is the EFSC price-to-earnings (P/E) ratio?
EFSC P/E ratio as of Mar 21, 2025 (TTM) is 11.40.
What is the EFSC EPS forecast?
The forecasted EPS (Earnings Per Share) for Enterprise Financial Services Corporation (EFSC) for the first fiscal quarter 2025 is $1.17.
What are Enterprise Financial Services Corporation's retained earnings?
On its balance sheet, Enterprise Financial Services Corporation reported retained earnings of $20.63 million for the latest quarter ending Dec 31, 2024.
What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.
Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.
What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
