---
schema_version: "secwatch.filing_event.v1"
accession: "0001025835-25-000205"
form_type: "8-K"
ticker: "EFSC"
cik: "0001025835"
company_name: "ENTERPRISE FINANCIAL SERVICES CORP"
filed_at: "2025-10-27T23:59:59+00:00"
generated_at: "2026-05-17T02:07:37.315580+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enterprise Financial Q3 net income $45.2M ($1.19 EPS) down from Q2; NIM expands to 4.23%

## Summary
- Net income $45.2M, diluted EPS $1.19 (vs $1.36 Q2 and $1.32 year ago); adjusted EPS $1.20.
- Net interest income $158.3M, up $5.5M linked; NIM 4.23% (+2 bps); deposits up $250.6M to $13.6B.
- Nonperforming assets ratio 0.83% (vs 0.71% Q2); provision for credit losses $8.4M (vs $3.5M Q2).
- Quarterly dividend raised $0.01 to $0.32 for Q4 2025; completed acquisition of 12 branches in AZ and KS.
- Tangible book value $41.58 (+15% annualized); ROATCE 11.56% (vs 13.84% Q2).

## SEC filing metadata
- accession: 0001025835-25-000205
- form_type: 8-K
- ticker: EFSC
- cik: 0001025835
- company_name: ENTERPRISE FINANCIAL SERVICES CORP
- filed_at: 2025-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/0001025835-25-000205-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/efsc-20251027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001025835-25-000205
- JSON: https://secwatch.observer/filing/0001025835-25-000205.json
- Plain text: https://secwatch.observer/filing/0001025835-25-000205.txt

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