Enterprise Financial Services Corp. Reports Q4 2025 Results with Strong Dividends
- Net Interest Income Growth: Enterprise Financial Services Corp. reported a net interest income of $168.17 million for Q4 2025, indicating stable revenue growth that enhances investor confidence in the company's core banking operations.
- Shareholder Return Policy: The Board approved a quarterly common dividend of $0.33 per share and a Series A preferred dividend of $12.50 per share, reflecting the company's commitment to shareholder returns while providing flexibility for future capital allocation.
- Completion of Share Buyback Program: The company has completed a $43.56 million share repurchase program since 2022, which not only boosts earnings per share but also demonstrates management's determination to optimize capital structure, further enhancing market recognition of the company's value.
- Future Growth Outlook: Despite challenges related to credit quality and funding costs, the management's commitment to sustainable earnings growth and ongoing shareholder return strategies may attract more investor attention to its long-term investment potential.
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- Net Interest Income Growth: Enterprise Financial Services Corp. reported a net interest income of $168.17 million for Q4 2025, indicating stable revenue growth that enhances investor confidence in the company's core banking operations.
- Shareholder Return Policy: The Board approved a quarterly common dividend of $0.33 per share and a Series A preferred dividend of $12.50 per share, reflecting the company's commitment to shareholder returns while providing flexibility for future capital allocation.
- Completion of Share Buyback Program: The company has completed a $43.56 million share repurchase program since 2022, which not only boosts earnings per share but also demonstrates management's determination to optimize capital structure, further enhancing market recognition of the company's value.
- Future Growth Outlook: Despite challenges related to credit quality and funding costs, the management's commitment to sustainable earnings growth and ongoing shareholder return strategies may attract more investor attention to its long-term investment potential.
- Earnings Growth: In Q4 2025, earnings per share reached $1.45, an increase from $1.19 in the previous quarter and $1.28 in Q4 2024, indicating sustained profitability improvements for the company.
- Net Interest Income Increase: The quarter's net interest income hit $168 million, up $10 million from the prior quarter, primarily driven by branch acquisitions in Arizona and Kansas, which accelerated the company's strategic expansion in high-growth markets.
- Asset Quality Improvement Outlook: Management anticipates a significant reduction in nonperforming assets over the next two quarters, targeting a decrease from 95 basis points to a historically normalized level of 35 to 40 basis points, reflecting confidence in asset quality recovery.
- Increased Shareholder Returns: The quarterly dividend was raised to $0.32 per share, alongside an 11% growth in the balance sheet, demonstrating the company's commitment to creating value while returning capital to shareholders.
- Quarterly Dividend Increase: Enterprise Financial Services (EFSC) declares a quarterly dividend of $0.33 per share, reflecting a 3.1% increase from the previous $0.32, indicating sustained profitability and potentially attracting more investor interest.
- Forward Yield: The forward yield of 2.36% not only provides shareholders with stable cash returns but also enhances the company's appeal in the capital markets, likely contributing to stock price stability.
- Dividend Payment Schedule: The dividend is payable on March 31, with a record date of March 13 and an ex-dividend date also on March 13, ensuring timely returns for shareholders and bolstering investor confidence.
- Historical Performance Support: The dividend growth aligns with EFSC's historical earnings data, demonstrating robust financial management and profitability, further solidifying its position in the financial services industry.
- Profitability Improvement: In Q4 2025, diluted earnings per share reached $1.45, with a full-year figure of $5.31, resulting in net income of $201.4 million, a 15.5% increase from 2024, indicating strong performance and sustained profitability in the market.
- Asset Quality Enhancement: As of year-end 2025, nonperforming assets represented 0.95% of total assets, up from 0.30% at the end of 2024, although the company successfully resolved most nonperforming loans, demonstrating effective asset quality management strategies.
- Deposit and Loan Growth: Total deposits reached $14.6 billion at the end of 2025, an increase of $1.5 billion from 2024, while total loans amounted to $11.8 billion, reflecting a 2.0% growth from the previous quarter, showcasing organic growth and market expansion post-branch acquisition.
- Increased Shareholder Returns: The company raised its common stock dividend by 15% in 2025 and repurchased $14.1 million of common stock, emphasizing its commitment to shareholder returns while achieving an 11% growth in tangible book value, thereby enhancing shareholder confidence.

Insider Buying Insight: The article highlights the significance of insider buying, noting that company officers and directors often invest in their own stocks when they believe the shares are undervalued or the company is progressing well.
Enterprise Financial Services Corp (EFSC): Director Michael E. Finn recently purchased 1,500 shares of EFSC at $54.11 each, and the stock is currently trading at $55.58, reflecting a 2.6% total return including dividends.
Valuation and Profitability: The DividendRank report indicates that EFSC has strong profitability and attractive valuation metrics, making it a noteworthy option for dividend investors seeking value.
Dividend History: EFSC has a solid dividend history, with an annualized dividend of $1.28 per share, which is paid quarterly, and the report emphasizes the importance of analyzing past dividend performance to predict future sustainability.
DA Davidson's Recommendation: DA Davidson has maintained a Buy recommendation for Enterprise Financial Services (NasdaqGS:EFSC) as of October 28, 2025, with an average one-year price target of $68.34/share, indicating a potential upside of 26.65% from its current price of $53.96/share.
Institutional Ownership Trends: There are 527 funds reporting positions in EFSC, with a slight increase in ownership by 1.93% over the last quarter. The average portfolio weight for these funds has also risen to 0.21%.
Changes in Major Shareholders: Notable shareholders like Wellington Management and Earnest Partners have reduced their holdings in EFSC by 13.59% and 11.43%, respectively, while Macquarie Group increased its stake by 12.43%.
Market Sentiment: The put/call ratio for EFSC stands at 0.09, suggesting a bullish outlook among investors, despite a projected annual revenue decrease of 5.21% to $643 million.








