---
schema_version: "secwatch.filing_event.v1"
accession: "0001025835-23-000003"
form_type: "8-K"
ticker: "EFSC"
cik: "0001025835"
company_name: "ENTERPRISE FINANCIAL SERVICES CORP"
filed_at: "2023-01-23T23:59:59+00:00"
generated_at: "2026-06-20T11:27:21.709825+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enterprise Financial reports Q4 record EPS $1.58; NIM expands 56 bps to 4.66%

## Summary
- Net income $60.0M ($1.58 diluted EPS) vs $50.2M ($1.32) linked quarter; full year net income $203.0M ($5.31).
- Net interest margin 4.66% (up 56 bps from linked qtr); total loans $9.7B, up $382M (16% annualized).
- Quarterly dividend increased $0.01 to $0.25/share, payable March 31, 2023 to holders of record March 15.
- Nonperforming assets to total assets fell to 0.08% from 0.14% linked qtr; provision for credit losses $2.1M.
- ROATCE 22.62% (Q4) and 19.10% (FY); tangible book value per share $28.67, up 7.7% from prior quarter.

## SEC filing metadata
- accession: 0001025835-23-000003
- form_type: 8-K
- ticker: EFSC
- cik: 0001025835
- company_name: ENTERPRISE FINANCIAL SERVICES CORP
- filed_at: 2023-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1025835/000102583523000003/0001025835-23-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1025835/000102583523000003/efsc-20230123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001025835-23-000003
- JSON: https://secwatch.observer/filing/0001025835-23-000003.json
- Plain text: https://secwatch.observer/filing/0001025835-23-000003.txt

## Key facts
- Earnings Releases
  ENTERPRISE FINANCIAL SERVICES CORP reported the fiscal year ended December 31, 2022 results: net income $203.0 million, EPS $5.31 per diluted share.
  - Period: the fiscal year ended December 31, 2022
  - Net income: $203.0 million
  - EPS: $5.31 per diluted share
  - Result: reported results
  source text: For 2022, net income was $203.0 million, or $5.31 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1025835/000102583523000003/0001025835-23-000003-index.htm
- Earnings Releases
  ENTERPRISE FINANCIAL SERVICES CORP reported the quarter ended December 31, 2022 results: net income $60.0 million, EPS $1.58 per diluted common share.
  - Period: the quarter ended December 31, 2022
  - Net income: $60.0 million
  - EPS: $1.58 per diluted common share
  - Result: reported results
  source text: Fourth Quarter Results • Net income of $60.0 million, $1.58 per diluted common share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1025835/000102583523000003/0001025835-23-000003-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.