---
schema_version: "secwatch.filing_event.v1"
accession: "0001025835-25-000007"
form_type: "8-K"
ticker: "EFSC"
cik: "0001025835"
company_name: "ENTERPRISE FINANCIAL SERVICES CORP"
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T08:55:42.873074+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Enterprise Financial Q4 EPS $1.28, NIM 4.13%; raises dividend to $0.29; loans grow 5% annualized

## Summary
- Q4 net income $48.8M, diluted EPS $1.28; adjusted EPS $1.32; full year EPS $4.83.
- Net interest income $146.4M, up $2.9M linked; NIM 4.13% (down 4 bps linked).
- Total loans $11.2B, up $140.5M (5% annualized); total deposits $13.1B, up $681.2M.
- Nonperforming assets 0.30% of assets vs 0.22% linked; net charge-offs 26 bps annualized.
- Quarterly dividend raised $0.01 to $0.29 for Q1 2025; repurchased 206,529 shares.

## SEC filing metadata
- accession: 0001025835-25-000007
- form_type: 8-K
- ticker: EFSC
- cik: 0001025835
- company_name: ENTERPRISE FINANCIAL SERVICES CORP
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1025835/000102583525000007/0001025835-25-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1025835/000102583525000007/efsc-20250127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001025835-25-000007
- JSON: https://secwatch.observer/filing/0001025835-25-000007.json
- Plain text: https://secwatch.observer/filing/0001025835-25-000007.txt

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