Financial insights of EFSC

MyFinsight

For the quarter ending 2025-09-30, EFSC made $451,208K in revenue. $44,297K in net income. Net profit margin of 9.82%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans	191,397	187,845
Taxable	21,175	19,310
Nontaxable	8,650	7,814
Interest-earning deposits	3,638	3,368
Dividends on equity securities	530	630
Total interest income	225,390	218,967
Deposits	61,615	59,979
Subordinated debentures and notes	2,683	2,737
Fhlb advances	1,207	1,801
Other borrowings	1,599	1,688
Total interest expense	67,104	66,205
Net interest income	158,286	152,762
Provision for credit losses	8,447	3,470
Net interest income after provision for credit losses	149,839	149,292
Deposit Account	4,935	4,940
Fiduciary And Trust	2,571	2,584
Card Services Revenue	2,535	2,444
Taxcreditactivitynet	-300	2,207
Financial Service Other	38,883	8,429
Total noninterest income	48,624	20,604
Employee compensation and benefits	49,640	50,164
Deposit costs	27,172	24,765
Occupancy	4,895	5,065
Data processing	5,022	4,713
Professional fees	2,620	2,029
Other expense	20,441	18,966
Total noninterest expense	109,790	105,702
Income before income tax expense	88,673	64,194
Income tax expense (includes 32.1 million related to recaptured tax credits for the three and nine months ended september 30, 2025) (note 13)	43,438	12,810
Net income	45,235	51,384
Dividends on preferred stock	938	937
Net income available to common stockholders	44,297	50,447

Basic (usd per share)	1.2	1.36
Diluted (usd per share)	1.19	1.36
Weighted average common shares outstanding (in shares)	37,015,000	36,963,000
Weighted average diluted common shares outstanding (in shares)	37,333,000	37,172,000