{"schema_version":"secwatch.filing_event.v1","accession":"0001025835-24-000003","form_type":"8-K","ticker":"EFSC","cik":"0001025835","company_name":"ENTERPRISE FINANCIAL SERVICES CORP","filed_at":"2024-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.145919+00:00","generated_at":"2026-06-06T20:27:04.315124+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"EFSC Q4 net income $44.5M, EPS $1.16; charge-offs spike, NIM tightens","bullets":["Q4 net income $44.5M ($1.16 diluted EPS); adjusted EPS $1.21 excluding $2.4M FDIC assessment.","Net interest margin 4.23%, down 10 bps from linked quarter; net interest income $140.7M.","Net charge-offs 0.37% of avg loans in 2023 vs 0.04% in 2022; Q4 provision $18.1M vs $8.0M linked.","Total loans $10.9B (+10% annualized); deposits $12.2B; tangible book value $33.85 (+9% QoQ).","Quarterly dividend $0.25 per common share, payable March 29, 2024; record March 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001025835-24-000003","json":"https://secwatch.observer/filing/0001025835-24-000003.json","markdown":"https://secwatch.observer/filing/0001025835-24-000003.md","text":"https://secwatch.observer/filing/0001025835-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1025835/000102583524000003/0001025835-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1025835/000102583524000003/efsc-20240122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:27:04.315124+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"a76f1b24ec4244a769ff92cbcd52c34229d6be42","claim":"ENTERPRISE FINANCIAL SERVICES CORP reported 2023 results: net income Net income of $194.1 million, EPS $5.07 per diluted common share.","evidence_excerpt":"Full-Year Highlights For 2023, net income was $194.1 million, or $5.07 per diluted share, compared to $203.0 million, or $5.31 per diluted share, in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1025835/000102583524000003/0001025835-24-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"2023"},{"label":"Net income","value":"Net income of $194.1 million"},{"label":"EPS","value":"$5.07 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"e0730466a08b42948d74b098920443cd04d6a9d9","claim":"ENTERPRISE FINANCIAL SERVICES CORP reported the quarter ended December 31, 2023 results: net income Net income of $44.5 million, EPS $1.16 per diluted common share.","evidence_excerpt":"On January 22, 2024, Enterprise Financial Services Corp (the \"Company\" or \"EFSC\") issued a press release announcing financial information for the quarter ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1025835/000102583524000003/0001025835-24-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"Net income of $44.5 million"},{"label":"EPS","value":"$1.16 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}