EFSC Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	626.74	568.1	562.59	473.9	360.19
Net Interest Income Growth	10.32%	0.98%	18.71%	31.57%	33.41%
Non-Interest Income	113.12	69.7	68.73	59.16	67.74
Non-Interest Income Growth	62.29%	1.42%	16.16%	-12.67%	24.29%
Revenues Before Loan Losses	739.86	637.8	631.32	533.07	427.94
Provision for Credit Losses	26.34	21.51	36.61	-0.61	13.39
Revenue	713.52	616.29	594.71	533.68	414.55
Revenue Growth (YoY)	15.78%	3.63%	11.44%	28.74%	59.99%
Compensation Expenses	198.67	182.71	164.57	147.03	124.9
Selling, General & Admin	153.23	131.8	109.73	69.31	47.03
Other Non-Interest Expenses	77.91	70.53	73.89	57.87	73.99
Total Non-Interest Expense	429.81	385.05	348.19	274.22	245.92
Pretax Income	283.72	231.24	246.53	259.46	168.63
Provision for Income Taxes	82.34	45.98	52.47	56.42	35.58
Net Income	197.62	181.52	190.31	199	133.06
Net Income Attributable to Preferred Dividends	3.75	3.75	3.75	4.04	-
Net Income to Common	197.62	181.52	190.31	199	133.06
Net Income Growth	8.87%	-4.62%	-4.37%	49.56%	78.88%
Shares Outstanding (Basic)	37	37	37	37	34
Shares Outstanding (Diluted)	37	38	38	38	34
Shares Change (YoY)	-0.87%	0.16%	0.02%	8.71%	27.82%
EPS (Basic)	5.34	4.86	5.09	5.32	3.86
EPS (Diluted)	5.31	4.83	5.07	5.31	3.86
EPS Growth	9.94%	-4.73%	-4.52%	37.56%	39.86%
Free Cash Flow	181.53	239.93	261.68	214.71	158.08
Free Cash Flow Growth	-24.34%	-8.31%	21.88%	35.83%	18.63%
Free Cash Flow Per Share	4.87	6.39	6.98	5.73	4.58
Dividends Per Share	1.220	1.060	1.000	0.900	0.750
Dividend Growth	15.09%	6.00%	11.11%	20.00%	4.17%
Profit Margin	28.22%	30.06%	32.63%	38.05%	32.10%
FCF Margin	25.44%	38.93%	44.00%	40.23%	38.13%
EBITDA	10.51	8.98	9.69	10.94	11.84
EBITDA Margin	1.47%	1.46%	1.63%	2.05%	2.86%
Effective Tax Rate	29.02%	19.88%	21.28%	21.74%	21.10%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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