Enterprise Financial Services (EFSC) Reports Q1 Earnings: What Key Metrics Have to Say

By Zacks Equity Research | April 28, 2025, 7:00 PM

For the quarter ended March 2025, Enterprise Financial Services (EFSC) reported revenue of $166 million, up 10.8% over the same period last year. EPS came in at $1.31, compared to $1.07 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $160.06 million, representing a surprise of +3.71%. The company delivered an EPS surprise of +11.97%, with the consensus EPS estimate being $1.17.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Enterprise Financial Services performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Efficiency Ratio: 60.1% compared to the 61.1% average estimate based on three analysts.
  • Net Interest Margin: 4.2% versus the three-analyst average estimate of 4.1%.
  • Total nonperforming loans: $109.88 million compared to the $44.79 million average estimate based on two analysts.
  • Average Balance - Total interest earning assets: $14.65 billion compared to the $14.57 billion average estimate based on two analysts.
  • Net charge-offs to average loans: 0% versus the two-analyst average estimate of 0.2%.
  • Total Noninterest Income: $18.48 million versus $16.04 million estimated by three analysts on average.
  • Net Interest Income: $147.52 million versus the two-analyst average estimate of $144 million.
  • Deposit service charges: $4.42 million compared to the $4.37 million average estimate based on two analysts.
  • Tax credit income: $2.61 million versus the two-analyst average estimate of $1.75 million.
  • Net interest income (FTE): $149.99 million compared to the $146.43 million average estimate based on two analysts.
  • Wealth management income: $2.66 million compared to the $2.87 million average estimate based on two analysts.
View all Key Company Metrics for Enterprise Financial Services here>>>

Shares of Enterprise Financial Services have returned -4.7% over the past month versus the Zacks S&P 500 composite's -4.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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Enterprise Financial Services Corporation (EFSC): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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