secwatch.observer — SEC 8-K summary
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Issuer:     ENTERPRISE FINANCIAL SERVICES CORP (EFSC)
CIK:        0001025835
Form:       8-K
Filed at:   2026-01-26T23:59:59+00:00
Accession:  0001025835-26-000023
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1025835/000102583526000023/0001025835-26-000023-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1025835/000102583526000023/efsc-20260126.htm
  HTML page:      https://secwatch.observer/filing/0001025835-26-000023

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer