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Dec 31, 2025
Enterprise Financial Q4 2025 Earnings Report
Enterprise Financial reported Q4 results with solid earnings and margin improvement.
Key Takeaways
Enterprise Financial closed Q4 2025 with strong profitability driven by improved net interest income and higher loan balances. Adjusted EPS was slightly below GAAP EPS due to certain non-recurring items.
Net income reached $54.8 million, up from $48.8 million in Q4 2024
EPS was $1.45 and adjusted EPS was $1.36
Net interest margin expanded to 4.26%
Noninterest income rose $4.8 million year-over-year
Forward Guidance
The company expects continued strength in NIM and capital ratios, but is cautious about credit quality and noninterest expenses.
Positive Outlook
- Loan growth supported by branch acquisitions
- Improved deposit mix with lower-cost funding
- Strong capital levels exceeding well-capitalized thresholds
- Expense control from reduced core conversion costs
- Steady increase in tangible book value per share
Challenges Ahead
- Increase in nonperforming assets during Q4
- Higher provision for credit losses quarter-over-quarter
- Decline in tangible common equity ratio from prior quarter
- Noninterest income impacted by lack of recurring insurance proceeds
- Elevated employee compensation and acquisition-related expenses
Historical Earnings Impact
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Avg. Return Before/After Earnings
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