Filing Flows › Enterprise Financial Services (EFSC) › Q3 2026
Enterprise Financial Services (EFSC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 30, 2026
Enterprise Financial Services (EFSC) reported revenue of $188M for the third quarter 2026 (Q3 2026), -9% from a year earlier and +3% from the quarter before. Operating margin was 29.3%, net earnings $42.4M (22.6% of revenue).
Enterprise Financial Services, Q3 2026: revenue $188M (-9% year over year), operating margin 29.3%, net earnings $42.4M, operating cash flow $72.7M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $188M | +3% | -9% |
| Operating profit | $55.1M | +5% | -38% |
| Net earnings | $42.4M | +4% | -6% |
| Operating cash flow | $72.7M | +6% | +47% |
| Free cash flow | $71.1M | +6% | +51% |
What changed
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.
Questions
What was Enterprise Financial Services' revenue in the third quarter 2026?
Enterprise Financial Services (EFSC) reported revenue of $188M for the third quarter 2026 (Q3 2026), -9% from a year earlier and +3% from the quarter before.
Was Enterprise Financial Services profitable in the third quarter 2026?
Operating profit was $55.1M (29.3% of revenue) and net earnings $42.4M.