For the quarter ending 2025-09-30, EFSC had -$19,565K decrease in cash & cash equivalents over the period. $47,121K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 45,235 | 101,345 |
| Depreciation | 1,633 | 3,091 |
| Provision for credit losses | 8,447 | 8,654 |
| Deferred income taxes | -1,515 | -2,789 |
| Net amortization of discount/premiums on debt securities | -1,057 | -2,085 |
| Net amortization on loans | 109 | -975 |
| Amortization of intangible assets | 736 | 1,608 |
| Amortization of servicing assets | 218 | 476 |
| Mortgage loans originated-for-sale | 7,776 | 12,150 |
| Proceeds from mortgage loans sold | 7,774 | 11,744 |
| Sale of investment securities | 0 | 106 |
| Sale of sba loans | 1,140 | 3,048 |
| Sale of other real estate | 7 | 79 |
| Sale of state tax credits | 0 | 110 |
| Stock-based compensation | 3,022 | 6,192 |
| Net change in other assets and liabilities | 8,211 | 16,579 |
| Net cash provided by operating activities | 49,364 | 101,309 |
| Net increase in loans | 201,766 | 255,212 |
| Sale of debt securities, available-for-sale | 0 | 9,631 |
| Paydown or maturity of debt securities, available-for-sale | 96,907 | 198,032 |
| Paydown or maturity of debt securities, held-to-maturity | 11,306 | 9,400 |
| Redemption of other investments | 46,070 | 63,144 |
| Sale of sba loans | 23,732 | 60,028 |
| Sale of state tax credits held for sale | 0 | 725 |
| Sale of other real estate | 348 | 3,619 |
| Settlement of bank-owned life insurance policies | 0 | 2,079 |
| Available-for-sale debt securities | 233,164 | 488,484 |
| Held-to-maturity debt securities | 3,468 | 175,052 |
| Other investments | 53,522 | 78,102 |
| Bank-owned life insurance | 9 | 75,000 |
| State tax credits held for sale | 0 | 360 |
| Fixed assets | 2,243 | 6,721 |
| Net cash used in investing activities | -315,809 | -732,273 |
| Net decrease in noninterest-bearing deposit accounts | 64,181 | -161,740 |
| Net increase in interest-bearing deposit accounts | 186,372 | 332,607 |
| Net increase in short term fhlb advances, net | 33,000 | 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 | -24,625 | -70,180 |
| Repurchase of common stock | 0 | 10,630 |
| Cash dividends paid on common stock | 11,473 | 21,798 |
| Repayments of notes payable | - | 0 |
| Cash dividends paid on preferred stock | 938 | 1,875 |
| Other | 2,622 | -2,070 |
| Net cash provided by financing activities | 246,880 | 358,314 |
| Net decrease in cash and cash equivalents | -19,565 | -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)