Enterprise Financial Services
NASDAQ: EFSC · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-05
Enterprise Financial Services (EFSC) Financial statements
SEC filings — annual and quarterly data.
Balance sheet — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $1.54B | $2.00B | $2.49B | $2.37B | $2.81B | $3.38B | $3.33B | $3.17B | $3.28B | $3.61B | $4.08B | $5.29B | $5.65B | $7.33B | $9.75B | $13.54B | $13.05B | $14.52B | $15.60B | $17.30B |
| Cash & equivalents | $43.23M | $77.98M | $40.01M | $99.49M | $292.27M | $189.50M | $117.32M | $215.79M | $105.96M | $95.07M | $199.78M | $155.97M | $199.74M | $170.99M | $545.33M | $2.03B | $299.39M | $434.00M | $760.35M | $208.08M |
| Current assets | $51.22M | $86.32M | $47.57M | $162.81M | $388.02M | $851.26M | $766.03M | $657.68M | $514.06M | $555.24M | $3.48B | $4.39B | $4.67B | $1.31B | $1.46B | $3.39B | $1.83B | $2.05B | $875.37M | $208.08M |
| Total liabilities | $1.40B | $1.83B | $2.28B | $2.20B | $2.62B | $3.14B | $3.09B | $2.89B | $2.96B | $3.26B | $3.69B | $4.74B | $5.04B | $628.84M | $554.72M | $558.76M | $11.53B | $12.80B | $13.77B | $15.26B |
| Current liabilities | $1.33B | $1.60B | $1.80B | $1.94B | $2.30B | $2.79B | $2.66B | $2.54B | $2.72B | $3.06B | $1.10M | $1.73M | $1.98M | $4.82B | $7.09B | $10.29B | $9.98B | $12.43B | $13.39B | $7.65M |
| Long-term debt | $65.00M | $157.32M | $123.99M | $192.38M | $187.08M | $239.63M | $330.15M | $276.91M | $296.69M | $327.13M | $382.52M | $371.78M | $341.61M | $406.43M | $504.72M | $558.76M | $579.55M | $203.62M | $192.75M | $188.62M |
| Shareholder equity | $132.99M | $173.15M | $214.57M | $163.91M | $183.35M | $239.56M | $235.75M | $279.70M | $316.24M | $350.83M | $387.10M | $548.57M | $603.80M | $6.70B | $9.20B | $12.98B | $1.52B | $1.72B | $1.82B | $2.04B |
| Retained earnings | $55.45M | $70.52M | $68.71M | $15.79M | $19.32M | $35.10M | $56.22M | $85.38M | $108.37M | $141.56M | $182.19M | $225.36M | $304.57M | $380.74M | $417.21M | $492.68M | $597.57M | $749.51M | $877.63M | $1.02B |
| Accounts receivable | $8.00M | $8.33M | $7.56M | $18.12M | $95.76M | $9.19M | $8.50M | $7.30M | $7.96M | $8.40M | $11.12M | $14.07M | $16.07M | — | — | — | — | — | — | $58.30M |
| Inventory | $4.10M | $6.38M | $55.64M | $81.87M | $103.00M | $9.19M | $99.58M | $73.54M | $50.18M | $8.37M | $980000.00 | $498000.00 | $469000.00 | $6.34M | $5.33M | $3.49M | $269000.00 | — | — | — |
| Goodwill | $29.98M | $57.18M | $48.51M | $2.06M | $2.06M | $30.33M | $30.33M | $30.33M | $30.33M | $30.33M | $30.33M | $117.34M | $117.34M | $210.34M | $260.57M | $365.16M | $365.16M | $365.16M | $365.16M | $416.97M |
Frequently asked questions
What is Enterprise Financial Services's revenue?
Enterprise Financial Services's trailing twelve-month revenue is $693.68M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is EFSC?
In its most recent fiscal year, EFSC ran a gross margin of 68.43%, an operating margin of 31.10%, and a net margin of 22.07%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does EFSC generate?
EFSC produced $181.53M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is EFSC's balance sheet healthy?
EFSC holds $208.08M in cash and equivalents against $188.62M in long-term debt, on $2.04B of shareholder equity. Cash on hand exceeds long-term debt, so the balance sheet adds little financial risk to the thesis.