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Sep 30, 2025
Enterprise Financial Q3 2025 Earnings Report
Enterprise Financial reported lower net income and EPS for Q3 2025, but continued loan and deposit growth alongside steady margin expansion.
Key Takeaways
Enterprise Financial posted net income of $45.2 million and adjusted EPS of $1.20 in Q3 2025. While earnings declined versus previous quarters, the company saw continued growth in loans and deposits, expansion of its net interest margin, and a significant insurance recovery related to a solar tax credit recapture.
Net income was $45.2 million, down from $51.4 million in Q2.
Adjusted EPS was $1.20, slightly below the previous quarter’s $1.37.
Net interest income rose to $158.3 million, marking the sixth consecutive quarter of growth.
The company recorded $30.1 million in insurance recoveries tied to a recaptured solar tax credit.
Forward Guidance
Enterprise expects continued growth in loans and deposits, margin stabilization, and capital strength, though asset quality trends and credit provisioning remain areas to monitor.
Positive Outlook
- Net interest income has increased for six consecutive quarters.
- Expansion into Arizona and Kansas adds geographic growth potential.
- Loan and deposit growth remained strong in Q3.
- Capital ratios continue to exceed 'well-capitalized' regulatory benchmarks.
- Management expects high certainty of collection on large nonperforming loans.
Challenges Ahead
- Nonperforming assets rose due to specific C&I and CRE exposures.
- ROATCE declined to 11.56% from 14.55% in the prior year quarter.
- EPS and Net Income both declined from Q2 2025 and Q3 2024.
- Provision for credit losses rose to $8.4 million.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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