| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 146,580 | 101,345 |
| Depreciation | 4,724 | 3,091 |
| Provision for credit losses | 17,101 | 8,654 |
| Deferred income taxes | -4,304 | -2,789 |
| Net amortization of discount/premiums on debt securities | -3,142 | -2,085 |
| Net amortization on loans | -866 | -975 |
| Amortization of intangible assets | 2,344 | 1,608 |
| Amortization of servicing assets | 694 | 476 |
| Mortgage loans originated-for-sale | 19,926 | 12,150 |
| Proceeds from mortgage loans sold | 19,518 | 11,744 |
| Sale of investment securities | 106 | 106 |
| Sale of sba loans | 4,188 | 3,048 |
| Sale of other real estate | 86 | 79 |
| Sale of state tax credits | 110 | 110 |
| Stock-based compensation | 9,214 | 6,192 |
| Net change in other assets and liabilities | 24,790 | 16,579 |
| Net cash provided by operating activities | 150,673 | 101,309 |
| Net increase in loans | 456,978 | 255,212 |
| Sale of debt securities, available-for-sale | 9,631 | 9,631 |
| Paydown or maturity of debt securities, available-for-sale | 294,939 | 198,032 |
| Paydown or maturity of debt securities, held-to-maturity | 20,706 | 9,400 |
| Redemption of other investments | 109,214 | 63,144 |
| Sale of sba loans | 83,760 | 60,028 |
| Sale of state tax credits held for sale | 725 | 725 |
| Sale of other real estate | 3,967 | 3,619 |
| Settlement of bank-owned life insurance policies | 2,079 | 2,079 |
| Available-for-sale debt securities | 721,648 | 488,484 |
| Held-to-maturity debt securities | 178,520 | 175,052 |
| Other investments | 131,624 | 78,102 |
| Bank-owned life insurance | 75,009 | 75,000 |
| State tax credits held for sale | 360 | 360 |
| Fixed assets | 8,964 | 6,721 |
| Net cash used in investing activities | -1,048,082 | -732,273 |
| Net decrease in noninterest-bearing deposit accounts | -97,559 | -161,740 |
| Net increase in interest-bearing deposit accounts | 518,979 | 332,607 |
| Net increase in short term fhlb advances, net | 327,000 | 294,000 |
| Proceeds from notes payable | 63,250 | - |
| Repayments of notes payable | 2,259 | - |
| Repayments of subordinated debentures | 63,250 | - |
| Net decrease in other borrowings | -94,805 | -70,180 |
| Repurchase of common stock | 10,630 | 10,630 |
| Cash dividends paid on common stock | 33,271 | 21,798 |
| Repayments of notes payable | - | 0 |
| Cash dividends paid on preferred stock | 2,813 | 1,875 |
| Other | 552 | -2,070 |
| Net cash provided by financing activities | 605,194 | 358,314 |
| Net decrease in cash and cash equivalents | -292,215 | -272,650 |
| Cash and cash equivalents at beginning of period | 764,170 | - |
| Cash and cash equivalents at end of period | 471,955 | - |
ENTERPRISE FINANCIAL SERVICES CORP (EFSC)
ENTERPRISE FINANCIAL SERVICES CORP (EFSC)