EFSC Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	758.37	754.46	754.93	687.85	456.01	348.62
Interest Income on Investments	153.7	133.95	96.12	77.07	59.08	34.62
Total Interest Income	912.07	888.41	851.05	764.92	515.08	383.23
Interest Paid on Deposits	232.27	241.1	264.61	183.72	30.16	10.67
Interest Paid on Borrowings	18.47	20.57	18.35	18.6	11.02	12.37
Total Interest Expense	250.74	261.67	282.96	202.33	41.18	23.04
Net Interest Income	661.32	626.74	568.1	562.59	473.9	360.19
Net Interest Income Growth	12.07%	10.32%	0.98%	18.71%	31.57%	33.41%
Trust Income	10.73	10.46	10.45	10.03	10.01	10.26
Gain (Loss) on Sale of Assets	0.69	-	-	-	-	-
Gain (Loss) on Sale of Investments	-2.25	-	-	-	-	-
Other Non-Interest Income	43.61	43.48	31.95	32.94	28.27	34.03
Total Non-Interest Income	73.52	73.31	60.75	59.53	56.6	59.72
Non-Interest Income Growth	9.65%	20.68%	2.05%	5.17%	-5.21%	24.69%
Revenues Before Loan Losses	734.85	700.05	628.85	622.12	530.51	419.91
Provision for Loan Losses	39.14	26.34	21.51	36.61	-0.61	13.39
Revenue	695.71	673.72	607.34	585.52	531.12	406.52
Revenue Growth	9.12%	10.93%	3.73%	10.24%	30.65%	61.00%
Salaries and Employee Benefits	193.99	185.18	171.84	154.42	139.02	118.89
Selling, General & Administrative	69.39	63.49	54.03	47.59	46.24	38.83
Other Non-Interest Expense	187.69	169.77	150.22	136.98	86.4	54.65
Total Non-Interest Expense	451.07	418.44	376.09	338.99	271.66	212.37
EBT Excluding Unusual Items	244.64	255.28	231.24	246.53	259.46	194.16
Pretax Income	273.59	283.72	231.24	246.53	259.46	168.63
Income Tax Expense	83.27	82.34	45.98	52.47	56.42	35.58
Net Income	190.32	201.37	185.27	194.06	203.04	133.06
Preferred Dividends & Other Adjustments	3.75	3.75	3.75	3.75	4.04	-
Net Income to Common	186.57	197.62	181.52	190.31	199	133.06
Net Income Growth	-5.30%	8.87%	-4.62%	-4.37%	49.56%	78.88%
Basic Shares Outstanding	37	37	37	37	37	34
Diluted Shares Outstanding	37	37	38	38	38	34
Shares Change	-0.82%	-0.87%	0.16%	0.02%	8.71%	27.82%
EPS (Basic)	5.06	5.34	4.86	5.09	5.32	3.86
EPS (Diluted)	5.03	5.31	4.83	5.07	5.31	3.86
EPS Growth	-4.34%	9.94%	-4.73%	-4.52%	37.56%	39.87%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	1.300	1.220	1.060	1.000	0.900	0.750
Dividend Growth	14.04%	15.09%	6.00%	11.11%	20.00%	4.17%
Effective Tax Rate	30.44%	29.02%	19.88%	21.28%	21.74%	21.10%

SEC Filings: 10-K · 10-Q