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Cash Flow Overview

Change in Cash
-$82,408K
Free Cash flow
$67,006K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in short term fhlb ...
    • Sale of debt and equity securiti...
    • Proceeds from issuance of subord...
    • Others
Negative Cash Flow Breakdown
    • Available-for-sale debt securiti...
    • Net increase in loans
    • Net increase (decrease) in inter...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
40,927
49,362
54,794
45,235
Depreciation
2,044
2,061
2,059
1,633
Provision for credit losses
14,210
7,243
9,236
8,447
Deferred income taxes
690
2,217
-1,282
-1,515
Net amortization of discount/premiums on debt securities
-797
-630
-586
-1,057
Net amortization on loans
-1,960
-1,578
-4,014
109
Amortization of intangible assets
1,297
1,400
1,380
736
Amortization of servicing assets
226
280
232
218
Mortgage loans originated-for-sale
9,574
4,204
7,250
7,776
Proceeds from mortgage loans sold
8,897
4,734
7,055
7,774
Investment securities
-2,146
0
-57
0
Gains (loss) on loans sold
-
-
4,188
-
Sba loans
0
-2,774
-
1,140
Oreo
-302
-295
6,169
7
Fixed assets
687
-
0
-
State tax credits
0
153
688
0
Stock-based compensation
3,574
4,304
4,277
3,022
Net change in other assets and liabilities
-1,855
9,830
25,459
8,211
Net cash provided by operating activities
68,664
58,503
42,842
49,364
Net increase in loans
225,550
-67,593
29,123
201,766
Proceeds from divestiture of businesses
-
-
277,036
-
Branch acquisition
0
250
-
-
Proceeds from sale of debt securities, available-for-sale
-
-
139,051
-
Sale of debt securities, available-for-sale
-
-9,631
-
0
Sale of debt and equity securities, available-for-sale
178,256
-
-
-
Paydown or maturity of debt securities, available-for-sale
144,537
177,163
140,398
96,907
Paydown or maturity of debt securities, held-to-maturity
17,578
17,783
4,284
11,306
Redemption of other investments
34,139
8,849
24,167
46,070
Proceeds from sale of loans
-
-
83,760
-
Sale of sba loans
0
-56,482
-
23,732
Sale of state tax credits held for sale
0
872
3,762
0
Sale of oreo
8,970
7,875
0
348
Proceeds from sale of property, plant, and equipment
-
-
0
-
Sale of fixed assets
939
-
-
-
Settlement of bank-owned life insurance policies
0
1,581
0
0
Available-for-sale debt securities
437,466
206,186
565,856
233,164
Held-to-maturity debt securities
0
0
-993
3,468
Other investments
84,247
10,903
11,348
53,522
Bank-owned life insurance
0
0
0
9
State tax credits held for sale
0
0
1,580
0
Fixed assets
1,658
1,024
3,021
2,243
Net cash used in investing activities
-364,502
91,131
-30,868
-315,809
Net increase (decrease) in noninterest-bearing demand accounts
81,860
-45,740
270,125
64,181
Net increase (decrease) in interest-bearing demand accounts
-103,706
-39,205
129,587
186,372
Net increase in short term fhlb advances, net
208,000
0
-327,000
33,000
Proceeds from notes payable
-
-
0
63,250
Repayment of term loan
56,473
2,259
2,259
2,259
Net decrease in other borrowings
54,706
66,113
0
63,250
Net decrease in other borrowings
-
-
-
-24,625
Proceeds from issuance of subordinated debentures, net
172,080
-
-
-
Proceeds from (payments for) in securities sold under agreements to repurchase
-
-
48,165
-
Repurchase of common stock
22,803
27,240
3,515
0
Cash dividends paid on common stock
12,331
12,170
11,822
11,473
Cash dividends paid on preferred stock
937
938
937
938
Other
2,446
-3,402
824
2,622
Net cash provided by financing activities
213,430
-197,067
197,973
246,880
Net decrease in cash and cash equivalents
-82,408
-47,433
209,947
-19,565
Cash and cash equivalents, beginning of period
634,469
681,902
471,955
764,170
Cash and cash equivalents, end of period
552,061
634,469
681,902
471,955
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase inshort term fhlb...$208,000K (-29.25%↓ Y/Y)Proceeds from issuance ofsubordinated debentures, net$172,080K Net income$40,927K (-59.62%↓ Y/Y)Provision for creditlosses$14,210K (64.20%↑ Y/Y)Proceeds from mortgageloans sold$8,897K (-24.24%↓ Y/Y)Stock-based compensation$3,574K (-42.28%↓ Y/Y)Investment securities-$2,146K (-2124.53%↓ Y/Y)Net increase(decrease) in...$81,860K (150.61%↑ Y/Y)Other$2,446K (218.16%↑ Y/Y)Depreciation$2,044K (-33.87%↓ Y/Y)Net amortization onloans-$1,960K (-101.03%↓ Y/Y)Net change in otherassets and liabilities-$1,855K (-111.19%↓ Y/Y)Amortization of intangibleassets$1,297K (-19.34%↓ Y/Y)Net amortization ofdiscount/premiums on debt...-$797K (61.77%↑ Y/Y)Deferred income taxes$690K (124.74%↑ Y/Y)Oreo-$302K (-482.28%↓ Y/Y)Amortization of servicingassets$226K (-52.52%↓ Y/Y)Net cash provided byfinancing activities$213,430K (-40.43%↓ Y/Y)Net cash provided byoperating activities$68,664K (-32.22%↓ Y/Y)Canceled cashflow$250,956K Canceled cashflow$10,261K Net decrease in cashand cash...-$82,408K (69.78%↑ Y/Y)Canceled cashflow$282,094K Sale of debt andequity securities,...$178,256K Paydown or maturity ofdebt securities,...$144,537K (-27.01%↓ Y/Y)Redemption of otherinvestments$34,139K (-45.93%↓ Y/Y)Paydown or maturity ofdebt securities,...$17,578K (87.00%↑ Y/Y)Sale of oreo$8,970K (147.86%↑ Y/Y)Sale of fixed assets$939K Net increase(decrease) in...-$103,706K (-131.18%↓ Y/Y)Repayment of term loan$56,473K Net decrease inother borrowings$54,706K (177.95%↑ Y/Y)Repurchase of common stock$22,803K (114.52%↑ Y/Y)Cash dividends paidon common stock$12,331K (-43.43%↓ Y/Y)Cash dividends paidon preferred stock$937K (-50.03%↓ Y/Y)Mortgage loansoriginated-for-sale$9,574K (-21.20%↓ Y/Y)Fixed assets$687K (-89.78%↓ Y/Y)Net cash used ininvesting activities-$364,502K (50.22%↑ Y/Y)Canceled cashflow$384,419K Available-for-sale debt securities$437,466K (-10.44%↓ Y/Y)Net increase inloans$225,550K (-11.62%↓ Y/Y)Other investments$84,247K (7.87%↑ Y/Y)Fixed assets$1,658K (-75.33%↓ Y/Y)

ENTERPRISE FINANCIAL SERVICES CORP (EFSC)

ENTERPRISE FINANCIAL SERVICES CORP (EFSC)