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	Sep '26 Sep 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	762.11	754.46	754.93	687.85	456.01	348.62
Interest Income on Investments	162.8	133.95	96.12	77.07	59.08	34.62
Total Interest Income	924.91	888.41	851.05	764.92	515.08	383.23
Interest Paid on Deposits	228.67	241.1	264.61	183.72	30.16	10.67
Interest Paid on Borrowings	18.6	20.57	18.35	18.6	11.02	12.37
Total Interest Expense	247.27	261.67	282.96	202.33	41.18	23.04
Net Interest Income	677.64	626.74	568.1	562.59	473.9	360.19
Net Interest Income Growth	12.02%	10.32%	0.98%	18.71%	31.57%	33.41%
Trust Income	11.02	10.46	10.45	10.03	10.01	10.26
Gain (Loss) on Sale of Investments	-5.99	-	-	-	-	-
Other Non-Interest Income	48.7	43.48	31.95	32.94	28.27	34.03
Total Non-Interest Income	74.95	73.31	60.75	59.53	56.6	59.72
Non-Interest Income Growth	14.09%	20.68%	2.05%	5.17%	-5.21%	24.69%
Revenues Before Loan Losses	752.6	700.05	628.85	622.12	530.51	419.91
Provision for Loan Losses	48.8	26.34	21.51	36.61	-0.61	13.39
Revenue	703.8	673.72	607.34	585.52	531.12	406.52
Revenue Growth	8.83%	10.93%	3.73%	10.24%	30.65%	61.00%
Salaries and Employee Benefits	194.6	185.18	171.84	154.42	139.02	118.89
Selling, General & Administrative	70.41	63.49	54.03	47.59	46.24	38.83
Other Non-Interest Expense	196.27	169.77	150.22	136.98	86.4	54.65
Total Non-Interest Expense	461.28	418.44	376.09	338.99	271.66	212.37
EBT Excluding Unusual Items	242.53	255.28	231.24	246.53	259.46	194.16
Pretax Income	239.98	283.72	231.24	246.53	259.46	168.63
Income Tax Expense	52.45	82.34	45.98	52.47	56.42	35.58
Net Income	187.53	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	183.78	197.62	181.52	190.31	199	133.06
Net Income Growth	-4.12%	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	-1.42%	-0.87%	0.16%	0.02%	8.71%	27.82%
EPS (Basic)	5.02	5.34	4.86	5.09	5.32	3.86
EPS (Diluted)	4.99	5.31	4.83	5.07	5.31	3.86
EPS Growth	-2.67%	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	Sep '26 Sep 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	1.340	1.220	1.060	1.000	0.900	0.750
Dividend Growth	13.56%	15.09%	6.00%	11.11%	20.00%	4.17%
Effective Tax Rate	21.86%	29.02%	19.88%	21.28%	21.74%	21.10%

SEC Filings: 10-K · 10-Q