For the quarter ending 2026-03-31, EFSCP had -$47,433K decrease in cash & cash equivalents over the period. $57,479K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 |
|---|---|---|---|
| Net income | 49,362 | 54,794 | 146,580 |
| Depreciation | 2,061 | 2,059 | 4,724 |
| Provision for credit losses | 7,243 | 9,236 | 17,101 |
| Deferred income taxes | 2,217 | -1,282 | -4,304 |
| Net amortization of discount/premiums on debt securities | -630 | -586 | -3,142 |
| Net amortization on loans | -1,578 | -4,014 | -866 |
| Amortization of intangible assets | 1,400 | 1,380 | 2,344 |
| Amortization of servicing assets | 280 | 232 | 694 |
| Mortgage loans originated-for-sale | 4,204 | 7,250 | 19,926 |
| Proceeds from mortgage loans sold | 4,734 | 7,055 | 19,518 |
| Investment securities | 0 | -57 | 106 |
| Gains (loss) on loans sold | - | 4,188 | - |
| Sba loans | -2,774 | - | 4,188 |
| Oreo | -295 | 6,169 | 86 |
| Gain (loss) on disposition of property plant equipment | - | 0 | - |
| State tax credits | 153 | 688 | 110 |
| Stock-based compensation | 4,304 | 4,277 | 9,214 |
| Net change in other assets and liabilities | 9,830 | 25,459 | 24,790 |
| Net cash provided by operating activities | 58,503 | 42,842 | 150,673 |
| Net (increase) decrease in loans | -67,593 | 29,123 | 456,978 |
| Proceeds from divestiture of businesses | - | 277,036 | - |
| Branch acquisition, net | 250 | - | - |
| Proceeds from sale of debt securities, available-for-sale | - | 139,051 | - |
| Sale of debt securities, available-for-sale | -9,631 | - | 9,631 |
| Paydown or maturity of debt securities, available-for-sale | 177,163 | 140,398 | 294,939 |
| Paydown or maturity of debt securities, held-to-maturity | 17,783 | 4,284 | 20,706 |
| Redemption of other investments | 8,849 | 24,167 | 109,214 |
| Proceeds from sale of loans | - | 83,760 | - |
| Sale of sba loans | -56,482 | - | 83,760 |
| Sale of state tax credits held for sale | 872 | 3,762 | 725 |
| Sale of oreo | 7,875 | 0 | 3,967 |
| Proceeds from sale of property, plant, and equipment | - | 0 | - |
| Settlement of bank-owned life insurance policies | 1,581 | 0 | 2,079 |
| Available-for-sale debt securities | 206,186 | 565,856 | 721,648 |
| Held-to-maturity debt securities | 0 | -993 | 178,520 |
| Other investments | 10,903 | 11,348 | 131,624 |
| Bank-owned life insurance | 0 | 0 | 75,009 |
| State tax credits held for sale | 0 | 1,580 | 360 |
| Fixed assets | 1,024 | 3,021 | 8,964 |
| Net cash provided by (used in) investing activities | 91,131 | -30,868 | -1,048,082 |
| Net decrease in noninterest-bearing demand accounts | -45,740 | 270,125 | -97,559 |
| Net increase (decrease) in interest-bearing demand accounts | -39,205 | 129,587 | 518,979 |
| Net increase in short term fhlb advances, net | 0 | -327,000 | 327,000 |
| Proceeds from notes payable | - | 0 | 63,250 |
| Repayments of term loan | 2,259 | 2,259 | 2,259 |
| Net decrease in other borrowings | 66,113 | 0 | 63,250 |
| Net decrease in other borrowings | - | - | -94,805 |
| Proceeds from (payments for) in securities sold under agreements to repurchase | - | 48,165 | - |
| Payments for repurchase of common stock | 27,240 | 3,515 | 10,630 |
| Payments of ordinary dividends, common stock | 12,170 | 11,822 | 33,271 |
| Payments of ordinary dividends, preferred stock and preference stock | 938 | 937 | 2,813 |
| Other | -3,402 | 824 | 552 |
| Net cash provided by (used in) financing activities | -197,067 | 197,973 | 605,194 |
| Net decrease in cash and cash equivalents | -47,433 | 209,947 | -292,215 |
| Cash and cash equivalents, beginning of period | 681,902 | 471,955 | 764,170 |
| Cash and cash equivalents, end of period | 634,469 | 681,902 | 471,955 |
ENTERPRISE FINANCIAL SERVICES CORP (EFSCP)
ENTERPRISE FINANCIAL SERVICES CORP (EFSCP)