EFSC Earnings Prediction
The chart below shows how EFSC performed 10 days before and after its earnings report, based on data from the past quarters. Typically, EFSC sees a -3.43% change in stock price 10 days leading up to the earnings, and a +2.15% change 10 days following the report. On the earnings day itself, the stock moves by +0.22%. This data can give you a slight idea of what to expect for the next quarter's release.
EFSC Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
165.07M
10.75%
8.82%
Gross Margin
--
--
--
Operating Margin
36.74%
-1.40%
-11.23%
Net Margin
29.58%
-1.00%
-11.30%
EPS
1.27
9.48%
-3.79%
No Data Available
EFSC Earnings Analysis
Enterprise Financial Services Corp Corporation (EFSC.O) Earnings Conference Call
Positive
Earnings Per Share Increase: Earnings per share for Q4 reached $1.28, up from $1.16 in Q4 2023, reflecting a strong financial performance.
Client Deposit Growth: Client deposits increased by $677 million in Q4, marking the fifth quarter of growth in six, demonstrating robust deposit generation capabilities.
Net Interest Income Increase: Net interest income rose to $146.4 million in Q4, an increase of $2.9 million from the previous quarter, indicating effective interest income management.
Tangible Equity Ratio: The tangible common equity to tangible assets ratio stood at 9.05%, showcasing a well-positioned balance sheet and strong capital levels.
Dividend Increase Announcement: The dividend was increased by $0.01 per share to $0.29 for Q1 2025, reflecting confidence in ongoing profitability and shareholder value enhancement.
Negative
Earnings Per Share Decline: Earnings per share decreased to $1.28 in Q4 from $1.32 in the linked quarter, indicating a decline in profitability despite a year-over-year increase from $1.16 in Q4 2023.
Increased Net Charge-Offs: Net charge-offs increased to $7.1 million in Q4, contributing to a total of $17 million for the year, reflecting a rise in credit losses compared to 2023's charge-offs of 37 basis points.
Asset Quality Deterioration: Non-performing assets rose to 30 basis points of total assets in Q4, up from 22 basis points at the end of Q3, indicating a deterioration in asset quality.
Credit Loss Provision Increase: The provision for credit losses increased by $2.7 million in Q4 compared to the prior quarter, reflecting concerns over rising loan growth and net charge-offs.
Rising Non-Interest Expenses: Non-interest expense rose to $99.5 million in Q4, an increase of $1.5 million from the previous quarter, primarily driven by higher compensation and core conversion expenses.
EFSC FAQs
How does EFSC typically perform around its earnings report dates?
Is Enterprise Financial Services Corp (EFSC) Q4 2024 Earnings Call Summary positive or negative?
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EFSC Earning Call Sentiment
Earnings call transcript: Enterprise Financial Q4 2024 beats estimates
EFSC.O
-2.24%Positive
The earnings call summary and Q&A indicate strong financial performance, with a 10.34% increase in EPS, stable net interest margin, and positive loan and deposit growth. Despite some concerns about future rate cuts and non-performing assets, the overall sentiment is positive due to strong credit quality, increased shareholder returns, and optimistic loan growth outlook. The market cap suggests a moderate reaction, leading to a prediction of a 2% to 8% stock price increase over the next two weeks.
