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Enterprise Financial Services (EFSC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Enterprise Financial Services (EFSC) Q3 2026 earnings results →
Q3 2026 Revenue down 9% year over year to $188M · 23¢ of every $1 of revenue kept as net profit · operating margin 29.3%
Enterprise Financial Services made $188M in Q3 2026 (-9% Y/Y): Net interest income $175M, Noninterest income $13.2M. Operating margin 29.3%, net earnings $42.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $187.8M in Q3 2026, down 9% year over year and up 3% from the previous quarter. Net interest income was the largest line at 93% of revenue. Noninterest income lost $35.4M year over year (down 73%), 185% of the total change.
Operating profit was $55.1M, a 29.3% margin (down 13.5 points year over year). Total costs grew 12% against a revenue fall of 9%. The fastest-growing cost line was Credit loss provision (+114%). Net earnings were $42.4M, down 6% year over year. The effective tax rate was 22.9%.
Operating cash flow was $72.7M (up 47% year over year), 171% of net earnings. Non-cash charges added back $3.4M of share-based compensation. Working capital and other items added $26.9M. Capital expenditures of $1.6M left free cash flow of $71.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $188M | -9% | 29.3% | $42.4M | $72.7M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Enterprise Financial Services
Some of the information in this Annual Report on Form 10-K may contain “forward-looking statements” within the meaning of and intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, and by Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Such forward-looking statements are based on management’s current expectations and beliefs concerning future developments and their potential effects on the Company, and include, without limitation, statements about the Company’s plans, strategies, goals, objectives, expectations, or consequences of statements about the future performance, operations, products and services of the Company, as well as statements about the Company’s expectations regarding revenue and asset growth, financial performance and profitability, loan and…
In its own words, from its 10-K, filed Feb 27, 2026.
Enterprise Financial Services against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -9% against the peers' median +10%. Operating margin: 29.3% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| EFSC Enterprise Financial Services | Q3 2026 | $188M | -9% | 29.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Enterprise Financial Services 10-Q on SEC EDGAR · CIK 1025835 · State Commercial Banks
Guidance and outlook
13F: who owns EFSC and who is buying
More on EFSC
History
Every quarter: Q3 2026 results