Enterprise Financial Services (EFSC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

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Enterprise Financial Services (EFSC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended September 2026, Enterprise Financial Services (EFSC) reported revenue of $187.82 million, down 8.4% over the same period last year. EPS came in at $1.17, compared to $1.20 in the year-ago quarter.

The reported revenue represents a surprise of -1.05% over the Zacks Consensus Estimate of $189.81 million. With the consensus EPS estimate being $1.38, the EPS surprise was -15.22%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Enterprise Financial Services performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net Interest Margin: 4.3% versus the five-analyst average estimate of 4.3%. Efficiency Ratio: 58.9% versus the five-analyst average estimate of 60.7%. Average Balance - Total interest earning assets: $16.42 billion versus $16.27 billion estimated by four analysts on average. Net charge-offs to average loans: 0.4% versus the four-analyst average estimate of 0.2%. Total nonperforming loans: $87.27 million versus the two-analyst average estimate of $74 million. Total nonperforming assets: $182.85 million compared to the $140.2 million average estimate based on two analysts. Total Noninterest Income: $13.21 million versus $17.69 million estimated by five analysts on average. Net interest income (FTE): $177.91 million versus $174.72 million estimated by four analysts on average. Wealth management income: $2.86 million versus the four-analyst average estimate of $2.87 million. Deposit service charges: $5.41 million versus the four-analyst average estimate of $5.56 million. Card services revenue: $2.62 million versus $2.72 million estimated by three analysts on average. Other income: $7.35 million versus $6.95 million estimated by three analysts on average.

View all Key Company Metrics for Enterprise Financial Services here>>>

Shares of Enterprise Financial Services have returned +0.3% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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