---
schema_version: "secwatch.filing_event.v1"
accession: "0001025835-26-000023"
form_type: "8-K"
ticker: "EFSC"
cik: "0001025835"
company_name: "ENTERPRISE FINANCIAL SERVICES CORP"
filed_at: "2026-01-26T23:59:59+00:00"
generated_at: "2026-05-16T07:48:17.032890+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enterprise Financial Q4 EPS $1.45 beats prior year; NIM expands to 4.26%; completes 12-branch acquisition

## Summary
- Q4 net income $54.8M ($1.45 diluted EPS) vs $1.28 prior year; full year EPS $5.31 vs $4.83.
- NIM 4.26%, up 3 bps linked quarter; net interest income $168.2M.
- Loans +$217M to $11.8B; deposits +$1.0B to $14.6B; branch acquisition added $292M loans, $610M deposits.
- Nonperforming assets 0.95% vs 0.30% a year ago; foreclosed on 6 properties in large relationship, $4M charge-off.
- Dividend raised $0.01 to $0.33/share for Q1 2026; 67k shares repurchased in Q4.

## SEC filing metadata
- accession: 0001025835-26-000023
- form_type: 8-K
- ticker: EFSC
- cik: 0001025835
- company_name: ENTERPRISE FINANCIAL SERVICES CORP
- filed_at: 2026-01-26T23:59:59+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/1025835/000102583526000023/0001025835-26-000023-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1025835/000102583526000023/efsc-20260126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001025835-26-000023
- JSON: https://secwatch.observer/filing/0001025835-26-000023.json
- Plain text: https://secwatch.observer/filing/0001025835-26-000023.txt

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