secwatch.observer — SEC 8-K summary
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Issuer:     ENTERPRISE FINANCIAL SERVICES CORP (EFSC)
CIK:        0001025835
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0001025835-25-000205
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/0001025835-25-000205-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/efsc-20251027.htm
  HTML page:      https://secwatch.observer/filing/0001025835-25-000205

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