OakChart

Enterprise Financial Services Corp

EFSCFinancial·Banks - Regional·USA·Mid·NASD·Nov 11 • 11:57 AM ET

62.28-0.12 (-0.20%)
2026-11-11 17:57 CET
Market cap
2,226.63 USD m
Revenue, TTM
- USD m
Net income, TTM
183.78 USD m
Free cash flow, TTM
235.44 USD m
EPS diluted, TTM
4.98
P/E
12.51
Compare

Price

EFSC against its 20, 50 and 200-day averages
2050200miss
60.0065.00699K1.4MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26EFSCclose 62.2820-day 61.7450-day 61.41200-day 60.8862.2852w high

9.4% under the 52-week high of 68.73 on 16 Jul 2026. 52-week low 51.18 on 11 Nov 2025. Last 15 sessions, 12.1% high to low

Profile

EFSC
52-week range, 63% of the way up
51.1868.73

Enterprise Financial Services Corp. operates as a financial holding company. The firm engages in the provision of business and personal banking services and wealth management services. It also offers lending services which include commercial and industrial commercial real estate, real estate construction and development, residential real estate and consumer loans. The company was founded by Kevin C. Eichner, Fred H. Eller and Ronald E. Henges on May 9, 1988 and is headquartered in Clayton, MO.

IndexRUT
Employees1370
IPOJun 18, 2001
Beta0.82
ATR, 14d1.33
Rel volume0.50
Short float3.02%
Insider own1.82%
Inst own86.20%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap2.22B
Enterprise Value-
Income183.78M
Sales1.00B
Book/sh51.58
Cash/sh-
Dividend Est.1.38 (2.21%)
Dividend TTM1.34 (2.15%)
Dividend Ex-DateDec 15, 2026
Dividend Gr. 3/5Y10.67% 11.12%
Payout22.99%
Employees1370
IPOJun 18, 2001

Ratios

P/E12.51
Forward P/E10.35
PEG1.59
P/S2.22
P/B1.21
P/C-
P/FCF9.44
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.04
Debt/Eq0.26
LT Debt/Eq0.23
Option/ShortYes / Yes

Earnings

EPS (ttm)4.98
EPS next Y6.02
EPS next Q1.50
EPS this Y-5.25%
EPS next Y19.56%
EPS next 5Y6.53%
EPS past 3/5Y0.00% 14.00%
Sales past 3/5Y20.37% 22.76%
EPS Y/Y TTM-3.12%
Sales Y/Y TTM2.12%
EPS Q/Q-3.78%
Sales Q/Q-6.64%
EarningsOct 21 AMC
EPS/Sales Surpr.-17.65% -0.29%

Ownership

Insider Own1.82%
Insider Trans0.00%
Inst Own86.20%
Inst Trans-1.37%
ROA1.10%
ROE9.62%
ROIC7.96%
Gross Margin-
Oper. Margin23.98%
Profit Margin18.37%
SMA200.87%
SMA501.42%
SMA2002.29%
Trades-

Technical

Shs Outstand35.77M
Shs Float35.03M
Short Float3.02%
Short Ratio4.38
Short Interest1.06M
52W High68.73 -9.39%
52W Low51.18 21.68%
Volatility2.58% 2.17%
ATR (14)1.33
RSI (14)53.48
Beta0.82
Rel Volume0.50
Avg Volume241.13K
Volume48,880

Performance

Perf Week-2.50%
Perf Month5.30%
Perf Quarter-6.28%
Perf Half Y6.49%
Perf YTD15.33%
Perf Year16.62%
Perf 3Y71.99%
Perf 5Y26.35%
Perf 10Y67.41%
Recom1.71
Target Price69.57
Prev Close62.40
Price62.28
Change %-0.20%

Analyst ratings

latest 10 of 15
DateActionAnalystRating changeTargetImplied
Oct 26, 2026UpgradePPiper SandlerNeutral → Overweight$64+2.8%
Apr 28, 2026ResumedRRaymond JamesOutperform$65+4.4%
Oct 15, 2025ResumedPPiper SandlerNeutral$64+2.8%
Jul 26, 2023DowngradeRRaymond JamesOutperform → Mkt Perform
Sep 19, 2019InitiatedRRaymond JamesOutperform$48-22.9%
Nov 06, 2018UpgradeKKeefe BruyetteMkt Perform → Outperform
Oct 29, 2018UpgradeFFIG PartnersMarket Perform → Outperform
Oct 06, 2017ResumedPPiper JaffrayOverweight$49-21.3%
Jul 11, 2016InitiatedPPiper JaffrayOverweight$31.25-49.8%
Nov 12, 2015DowngradeDDA DavidsonBuy → Neutral$32 → $33-47.0%

Peers

Mkt cap
TickerCompanyMkt cap
BUSEFirst Busey Corp2.32B
FRMEFirst Merchants Corp2.57B
QCRHQCR Holding Inc1.68B
BYByline Bancorp Inc1.73B
CBSHCommerce Bancshares Inc7.87B
NBHCNational Bank Holdings Corp1.63B
CBCCentral Bancompany Inc9.18B
SRCE1st Source Corp2.10B
GSBCGreat Southern Bancorp Inc870.04M
UMBFUMB Financial Corp10.20B

Insider trading

latest 14 of 18
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
PONDER MARK GSEVP, Chief Admin. OfficerApr 28 '26Sale60.551,25075,6880Apr 29 09:15 AM
Mark G. PonderExecutive OfficerApr 27 '26Proposed Sale59.901,25074,875Apr 27 03:55 PM
DUMLAO TROYEVP, Chief Accounting OfficerApr 14 '26Option Exercise0.0038008,641Apr 16 03:18 PM
Handley Kevin LChief Credit OfficerApr 14 '26Option Exercise0.0038006,560Apr 16 03:17 PM
Huffman BridgetSEVP, Chief Risk OfficerApr 14 '26Option Exercise0.0038007,229Apr 16 03:15 PM
IANNACONE NICOLE MSEVP, Chief Legal OfficerFeb 24 '26Option Exercise0.003,326024,321Feb 26 01:19 PM
KEENE S TURNERSEVP, Chief Financial OfficerFeb 24 '26Option Exercise0.004,989066,488Feb 26 01:17 PM
PONDER MARK GSEVP, Chief Admin. OfficerFeb 24 '26Option Exercise0.003,32608,313Feb 26 01:15 PM
LALLY JAMES BRIANCEOFeb 24 '26Option Exercise0.007,9820119,198Feb 26 01:14 PM
BAUCHE DOUGLASSEVP, Chief Banking OfficerFeb 24 '26Option Exercise0.003,326029,887Feb 26 01:11 PM
DUMLAO TROYEVP, Chief Accounting OfficerFeb 10 '26Option Exercise0.0036107,898Feb 12 05:28 PM
IANNACONE NICOLE MSEVP, Chief Legal OfficerFeb 10 '26Option Exercise0.001,019019,858Feb 12 05:27 PM
PONDER MARK GSEVP, Chief Admin. OfficerFeb 10 '26Option Exercise0.001,00603,866Feb 12 05:25 PM
Handley Kevin LChief Credit OfficerFeb 10 '26Option Exercise0.0034405,806Feb 12 05:24 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
SDVYFirst Trust SMID Cap Rising Dividend Achievers ETFAUM: 11.33B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFASU.S. Small Cap Portfolio-ETF Class Shares-

News

latest 14 of 200
  • Enterprise Financial Misses As Credit Costs Offset Strong Loan Growth And A Firm 4.30% Margin (Earnings Whispers)
  • Enterprise Financial Services: Q3 Earnings Snapshot (Associated Press)
  • Enterprise Financial Services Corp Reports Third Quarter 2026 Results (Business Wire)
  • Enterprise Financial Services Corp Announces Third Quarter 2026 Earnings Release and Conference Call (Business Wire)
  • Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings Call Highlights: Strong Loan Growth ... (GuruFocus.com)
  • Loading…
  • Enterprise Financial Services: Q2 Earnings Snapshot (Associated Press)
  • Enterprise Financial Services Corp Reports Second Quarter 2026 Results (Business Wire)
  • Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings Report Preview: What To Look For (GuruFocus.com)
  • What To Expect From Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings (GuruFocus.com)
  • Enterprise Financial Services Corp Announces Second Quarter 2026 Earnings Release and Conference Call (Business Wire)
  • Enterprise Financial Services Corp (EFSC) Q1 2026 Earnings Call Highlights: Navigating ... (GuruFocus.com)
  • Enterprise Financial Services: Q1 Earnings Snapshot (Associated Press)
  • Enterprise Financial Services Corp Reports First Quarter 2026 Results (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-211.1401.3841.140192.53193.097
2026Q22026-07-221.0901.3301.090187.37189.155
2026Q12026-04-221.3001.2901.303188.85169.694
2025Q42026-01-261.4501.3321.445190.95188.565
2025Q32025-10-271.1901.2941.187177.84181.195
2025Q22025-07-281.3601.2081.357176.05167.484
2025Q12025-04-281.3101.1721.315168.35162.835
2024Q42025-01-271.2801.1761.279169.34160.615
2024Q32024-10-221.3201.1381.325163.82158.315
2024Q22024-07-221.1901.0601.186158.07154.55
2024Q12024-04-221.0501.1141.050151.93157.345
2023Q42024-01-221.1601.1901.161167.88157.495
2023Q32023-10-231.1701.2381.165153.72155.255
2023Q22023-07-241.2901.2901.285154.98154.635
2023Q12023-04-241.4601.3681.462156.43154.075
2022Q42023-01-231.5801.3521.579155.71143.895

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.5902.4152.073211.7210.72
2018FY3.8303.7583.831224.82227.76
2019FY3.5503.5143.545281.23289.43
2020FY2.7602.4242.756319.74311.23
2021FY3.8603.7203.857427.05425.74
2022FY5.3105.0865.307533.07521.24
2023FY5.0705.1045.074638.61624.98
2024FY4.8304.7364.832643.16632.17
2025FY5.3105.1885.310713.18717.32
2026FY-5.031--762.47
2027FY-6.016--814.59
2028FY-6.420--850.62

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-23430200197.5202
2026Q4S2026-10-22420199197.5200.74
2026Q4S2026-10-21500198.73193.2206.3
2026Q4S2026-10-07500198.73193.2206.3
2026Q4S2026-09-22510198.73193.2206.3
2026Q4S2026-07-24410198.97193.2206.3
2026Q4S2026-07-23400196.37193.2198.37
2026Q4S2026-07-07400196.94194.5199.37
2026Q4S2026-06-30410196.94194.5199.37
2026Q4S2026-04-24410197.19194.5199.37
2026Q4S2026-04-23310196.92194.5199.37
2026Q4S2026-04-12300195.59194196.9
2026Q4S2026-04-01311195.59194196.9
2026Q4S2026-01-27421195.95193198

Estimate history

EPS, annual2.0733.8313.5452.7563.8575.3075.0744.8325.3074.98
Period201720182019202020212022202320242025TTM
EPS, quarterly1.3251.2791.3151.3571.1871.4451.3031.091.142
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual236.933276.149354.31359.282450.973574.244833.644920.7541001.5331000.66
Period201720182019202020212022202320242025TTM
Sales, quarterly237.724236.011230.263239.571274.014257.685244.179242.97255.822
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual23.08922.81226.54331.2131.2137.25337.41636.98836.96535.775
Period201720182019202020212022202320242025MRQ
Shares, quarterly37.18436.98836.92836.9537.01136.96536.58136.25835.775
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income924.91888.41851.05764.92515.08383.23304.78305.13237.80
Total Interest Expense247.27261.67282.95202.3341.1823.0434.7866.4245.90
Net Interest Income677.64626.74568.10562.59473.90360.19270.00238.72191.91
Loan Loss Provision48.8026.3421.5136.60-0.6113.3865.406.376.64
Net Interest Income After Loan Loss Provision628.85600.40546.59525.99474.51346.81204.60232.34185.26
Non-Interest Income75.74113.1269.7068.7259.1667.7454.5049.1838.35
Non-Interest Expense464.62429.81385.05348.19274.22220.40159.19144.32114.96
Operating Income239.98283.72231.24246.53259.46194.1699.92137.21108.65
Unusual Expense0.000.000.000.000.0025.524.1717.971.27
Net Income Before Taxes239.98283.72231.24246.53259.46168.6391.95116.04104.58
Income Taxes52.4582.3445.9852.4756.4235.5817.5623.3015.36
Consolidated Net Income187.53201.37185.27194.06203.04133.0674.3892.7489.22
Net Income From Continuing Operations187.53201.37185.27194.06203.04133.0674.3892.7489.22
Net Income183.78197.62181.52190.31199.00133.0674.3892.7489.22
EPS (Recurring)5.055.314.835.075.314.382.864.033.87
EPS (Basic, Before Extraordinaries)5.025.344.865.095.323.862.763.563.86
EPS (Diluted)4.985.314.835.075.313.862.763.553.83
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense12.2510.6610.879.857.916.123.984.535.05
Price To Earnings Ratio12.5312.5311.958.139.6812.1212.8213.679.82
Price To Sales Ratio2.142.012.302.013.203.602.633.563.17
Operating Margin23.9828.3325.1129.5745.1843.0527.8138.7239.34
Net Margin18.3719.7319.7122.8334.6529.5020.7026.1732.31
Shares Outstanding35.7736.9736.9937.4237.2531.2131.2126.5422.81
Market Capitalization2,226.632,226.632,094.011,669.271,822.451,806.951,090.781,278.48868.24

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income238.23229.31225.09232.27225.39218.97211.78215.38
Total Interest Expense63.6360.6058.9464.1067.1066.2064.2669.01
Net Interest Income174.61168.72166.15168.17158.29152.76147.52146.37
Loan Loss Provision18.1114.217.249.248.453.475.186.83
Net Interest Income After Loan Loss Provision156.50154.51158.90158.94149.84149.29142.33139.54
Non-Interest Income17.5913.6619.0925.4148.6220.6018.4820.63
Non-Interest Expense119.03115.92115.14114.53109.79105.7099.7899.52
Operating Income55.0652.2462.8569.8288.6764.1961.0360.65
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes55.0652.2462.8569.8288.6764.1961.0360.65
Income Taxes12.6211.3213.4915.0243.4412.8111.0711.81
Consolidated Net Income42.4440.9349.3654.7945.2351.3849.9648.83
Net Income From Continuing Operations42.4440.9349.3654.7945.2351.3849.9648.83
Net Income41.5139.9948.4253.8644.3050.4549.0247.90
EPS (Recurring)1.141.091.301.451.191.361.311.28
EPS (Basic, Before Extraordinaries)1.151.101.311.461.201.361.331.29
EPS (Diluted)1.141.091.301.451.191.361.311.28
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.652.823.403.382.392.422.474.89
Price To Earnings Ratio12.5312.4510.2010.5110.9910.8011.1111.95
Price To Sales Ratio2.142.371.982.012.212.172.152.29
Operating Margin21.5221.5025.7427.0932.3626.8026.5125.70
Net Margin16.2216.4619.8320.9016.1721.0621.2920.29
Shares Outstanding35.7736.2636.5836.9737.0136.9536.9336.99
Market Capitalization2,226.632,410.271,992.111,998.592,144.562,034.991,986.012,094.01

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks208.08270.98193.28229.58245.70136.2890.0592.8292.45
Investments4,299.013,374.322,696.662,403.513,657.821,900.111,452.08924.04812.05
Net Loans11,660.3211,082.4110,749.359,600.218,872.607,088.265,271.054,306.524,054.47
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets-------0.470.50
Net Property, Plant & Equipment83.0267.7768.0960.3461.4066.8174.8632.1132.62
Interest Receivables58.3052.4066.7048.1030.6031.100.0016.0714.07
Deferred Tax Assets98.55115.68109.46115.6564.1460.5130.0720.7026.11
Other Intangible Assets932.83663.20667.81623.48628.34499.20431.37252.94260.56
Total Assets17,340.1115,626.7514,551.3413,080.8613,560.619,782.277,349.485,645.665,292.84
Total Deposits14,609.3413,146.4912,176.3710,829.1511,343.807,985.395,771.024,587.984,156.41
Total Debt508.55463.52482.45597.59573.63568.87644.30429.46567.02
Long Term Debt500.89457.36477.07168.12214.57286.60234.64134.70137.10
Provision for Risks Charges6.006.106.6012.107.600.000.000.000.00
Deferred Tax Liabilities39.2230.3232.7526.6923.2530.7015.69-3.61
Other Liabilities137.61156.31137.1093.0783.22118.3451.2924.4117.22
Total Liabilities15,300.7213,802.7512,835.2711,558.6012,031.508,703.306,482.295,041.864,744.26
Preferred Stock - Carrying Value71.9971.9971.9971.9971.990.000.000.000.00
Common Equity1,967.401,752.011,644.081,450.281,457.131,078.97867.18603.80548.57
Total Shareholders Equity2,039.391,824.001,716.071,522.261,529.121,078.97867.18603.80548.57
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity2,039.391,824.001,716.071,522.261,529.121,078.97867.18603.80548.57
Total Liabilities & Stockholders Equity17,340.1115,626.7514,551.3413,080.8613,560.619,782.277,349.485,645.665,292.84
Book Value Per Share53.2247.3743.9438.9346.6934.5732.6726.4723.76
Tangible Book Value Per Share41.3737.2733.8528.6734.2725.4823.7620.9518.20
Tier 1 Capital1,749.631,670.811,553.451,394.431,257.46889.53710.48556.96496.05
Tier 2 Capital141.81193.52179.05173.91165.57205.0793.7993.9093.00
Full-Time Employees1,3701,218-1,0741,075-805650635
Price to Book Ratio1.211.191.081.331.011.011.481.421.91
Return on Assets1.221.231.401.521.140.871.431.631.03
Return on Equity10.4210.4711.9913.3110.207.6412.6115.4810.30
Return on Invested Capital7.938.128.8512.017.635.458.4212.087.03
Current Ratio0.050.070.040.030.200.090.040.050.05

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations280.48243.76224.05259.52231.08173.64139.76110.07105.80
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-37.74-50.2523.358.71-19.98-17.260.91-12.97-0.08
Cash from Operating Activities242.74193.51247.40268.24211.10156.38140.6797.10105.73
Capital Expenditures-7.30-86.99-7.47-6.56-1.93-2.50-2.26-6.34-3.04
Net Assets From Acquisitions0.000.000.000.000.000.000.00-23.380.00
Sale of Fixed Assets and Businesses278.23277.040.000.361.70212.6462.110.000.00
Purchase or Sale of Investments-474.27-871.28-424.99-113.94-663.21-381.53-67.81-67.90-80.67
Purchase of Investments-1,503.70-1,608.00-828.82-489.91-929.54-789.04-502.96-646.17-223.85
Sale Or Maturity of Investments1,029.43736.73403.83375.97266.33407.52435.15578.27143.19
Other Uses-1.58-1.94-2.81-0.09-18.85-8.69-11.03-11.36-6.02
Other Sources6.216.5711.535.7521.1818.5116.2514.6915.97
Cash from Investing Activities-839.52-1,078.95-796.87-1,352.76-1,378.24-18.92-707.99-383.16-328.54
Cash Dividends Paid-52.59-48.84-43.30-41.12-37.64-26.15-19.80-16.57-10.85
Change in Capital Stock-87.59-14.14-29.640.00-32.9211.91-15.27-15.74-21.96
Repurchase of Common Pref Stock-87.59-14.14-29.640.00-32.92-60.59-15.35-15.74-21.96
Sale of Common Pref Stock0.000.000.000.000.0072.500.080.000.00
Proceedsfrom Stock Options0.000.000.000.000.0072.500.080.000.00
Issuance or Reduction of Debt, Net-166.1143.65-17.01-126.2920.26-157.22-74.44187.22-132.72
Change in Long Term Debt157.88-15.090.000.00-50.00-57.1457.6782.29-100.50
Issuance of Long Term Debt220.2648.160.000.000.000.0061.9591.001,260.00
Reduction of Long Term Debt-62.38-63.250.000.00-50.00-57.14-4.29-8.71-1,360.50
Net Financing Active Other Cash Flow1.671.380.441.401.770.00-86.100.000.00
Other Financing Activities Uses--0.000.000.000.00-86.10--
Cash from Financing Activities612.70803.17880.611,181.21-563.191,346.53937.76256.77266.04
Net Change in Cash15.92-82.27331.14141.67-1,730.331,483.99370.45-29.3043.23
Free Cash Flow235.44181.53239.93261.68209.17153.88138.4190.76102.69
Preferred Dividends (Cash Flow)--3.75-3.75-3.75-4.04-0.000.000.00
Price to Free Cash Flow11.7215.1610.787.5910.7012.727.9517.009.54
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks213.26273.88258.54208.08208.46252.82
Investments4,172.194,250.194,298.184,299.013,805.833,638.40
Net Loans12,200.1911,753.1611,550.7211,660.3211,434.2511,263.71
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment56.8257.3257.9683.0249.2548.64
Interest Receivables63.4058.7060.7058.3056.5055.80
Deferred Tax Assets---98.55--
Other Intangible Assets1,086.651,005.76917.25932.83848.12816.94
Total Assets17,792.5117,399.0117,227.8317,340.1116,402.4016,076.30
Total Deposits15,126.9614,502.5514,524.4014,609.3413,567.9113,317.36
Total Debt501.94682.08413.10508.55667.62661.44
Long Term Debt437.94474.08413.10500.89340.62367.44
Provision for Risks Charges9.008.506.406.006.306.50
Deferred Tax Liabilities---39.22--
Other Liabilities237.28165.04261.72137.61178.24168.10
Total Liabilities15,875.1815,358.1615,205.6215,300.7214,420.0714,153.40
Preferred Stock - Carrying Value71.9971.9971.9971.9971.9971.99
Common Equity1,845.341,968.861,950.221,967.401,910.341,850.91
Total Shareholders Equity1,917.332,040.852,022.202,039.391,982.331,922.90
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,917.332,040.852,022.202,039.391,982.331,922.90
Total Liabilities & Stockholders Equity17,792.5117,399.0117,227.8317,340.1116,402.4016,076.30
Book Value Per Share51.5854.3053.3153.2251.6250.09
Tangible Book Value Per Share39.4542.3041.3841.3741.5840.02
Tier 2 Capital---141.81--
Full-Time Employees---1,370--
Price to Book Ratio1.211.241.021.051.161.13
Return on Assets1.101.141.221.221.251.31
Return on Equity9.629.6010.3210.4210.2510.92
Return on Invested Capital1.801.632.032.161.952.24
Current Ratio0.040.050.060.050.050.05

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations77.0466.8168.3368.3057.5862.26
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-4.311.85-9.83-25.46-8.21-0.97
Cash from Operating Activities72.7368.6658.5042.8449.3661.29
Capital Expenditures-1.60-1.66-1.02-3.02-2.25-2.32
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.940.25277.040.000.00
Purchase or Sale of Investments-52.68-138.23-5.42-277.94-135.52-247.85
Purchase of Investments-188.69-521.71-217.09-576.21-290.15-411.03
Sale Or Maturity of Investments136.01383.48211.67298.27154.63163.19
Other Uses0.000.000.00-1.580.00-0.25
Other Sources0.000.002.453.760.002.19
Cash from Investing Activities-535.29-364.5091.13-30.87-315.81-366.53
Cash Dividends Paid-13.46-13.27-13.11-12.76-12.41-12.02
Preferred Dividends (Cash Flow)-0.94-0.94-0.94-0.94-0.94-0.94
Change in Capital Stock-34.04-22.80-27.24-3.520.00-0.01
Repurchase of Common Pref Stock-34.04-22.80-27.24-3.520.00-0.01
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-180.35268.90-68.37-186.296.1244.01
Change in Long Term Debt-36.35117.37-66.11142.97-87.88-44.99
Issuance of Long Term Debt0.02172.080.0048.160.000.00
Reduction of Long Term Debt-36.37-54.71-66.1194.81-87.88-44.99
Net Financing Active Other Cash Flow1.802.45-3.400.822.62-0.01
Other Financing Activities Uses-2.45-3.40-2.07-0.01
Cash from Financing Activities398.37213.43-197.07197.97246.88315.09
Net Change in Cash-64.19-82.41-47.43209.95-19.579.85
Free Cash Flow71.1367.0157.4839.8247.1258.97
Price to Free Cash Flow11.7215.1213.1315.1714.9910.96

Revenue breakdown

State Commercial Banks2024: 637.80M 2025: 739.86M
United States2024: 637.80M 2025: 739.86M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.02%1.1M35.0M239.37K
2026-10-153.28%1.2M35.5M245.49K
2026-09-303.34%1.2M35.5M245.74K
2026-09-153.91%1.4M35.5M244.16K
2026-08-313.14%1.1M35.5M238.15K
2026-08-142.84%1.0M35.5M244.55K
2026-07-312.95%1.1M35.5M249.86K
2026-07-152.76%1.0M35.9M256.29K
2026-06-303.00%1.1M35.9M266.09K
2026-06-152.46%0.9M35.9M269.75K
2026-05-292.23%0.8M35.9M270.96K
2026-05-152.08%0.7M35.9M276.83K
2026-04-301.93%0.7M35.9M266.76K
2026-04-151.89%0.7M36.2M248.22K
2026-03-312.09%0.8M36.1M230.11K
2026-03-131.69%0.6M36.1M194.38K
2026-02-271.55%0.6M36.1M188.75K
2026-02-131.61%0.6M36.3M172.08K
2026-01-301.45%0.5M36.3M169.53K
2026-01-151.24%0.5M36.3M170.89K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call35.0025.5030.000.003.9330.000.000.975-0.0620.006
call40.0020.5025.000.003.2420.000.000.970-0.0600.007
call45.0015.5020.000.002.5920.000.000.856-0.2920.022
call50.0010.5015.000.002.0560.000.000.818-0.2640.026
call55.005.5010.000.001.4970.000.000.705-0.4140.034
call60.001.005.002.700.9721.000.000.611-0.2880.038
call65.000.004.900.351.5302.000.000.466-0.2900.039
call70.000.002.600.001.3590.000.000.331-0.2680.036
call75.000.004.900.002.2340.000.000.375-0.4420.039
call80.000.002.250.001.8640.000.000.240-0.3150.030
call85.000.004.900.002.0990.000.000.221-0.3380.029
call90.000.004.900.001.4990.000.000.086-0.1230.016
call95.000.005.000.002.5360.000.000.195-0.3800.027
put35.000.004.900.002.9850.000.00-0.077-0.2240.015
put40.000.000.200.002.4300.000.00-0.094-0.2120.017
put45.000.004.900.002.3700.000.00-0.144-0.2910.022
put50.000.002.050.001.8370.000.00-0.182-0.2630.026
put55.000.004.900.002.2030.000.00-0.295-0.4110.034
put60.000.004.902.401.5692.000.00-0.387-0.2930.038
put65.000.505.000.000.8770.000.00-0.536-0.2900.039
put70.005.009.500.001.1300.000.00-0.669-0.2650.035
put75.0010.0014.500.001.4450.000.00-0.713-0.3090.033
put80.0015.0019.500.001.7270.000.00-0.759-0.3100.030
put85.0020.0024.500.001.9680.000.00-0.779-0.3340.029
put90.0025.0029.500.002.1860.000.00-0.793-0.3550.028
put95.0030.0034.400.002.3480.000.00-0.804-0.3730.027

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0313F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-10-30SCHEDULE 13G/ASEC
2026-10-3010-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-10-218-KCurrent report2026-10-21SEC
2026-10-08SCHEDULE 13G/ASEC
2026-08-208-KCurrent report2026-08-20SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-04N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-0413F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-07-3110-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-228-KCurrent report2026-07-20SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-06-2511-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040075.69K1
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.9.75%
WELLINGTON MANAGEMENT GROUP LLP7.95%
DIMENSIONAL FUND ADVISORS LP6.20%
STATE STREET CORP4.38%
VANGUARD CAPITAL MANAGEMENT LLC4.27%
EARNEST PARTNERS LLC3.81%
AMERICAN CENTURY COMPANIES INC3.31%
GEODE CAPITAL MANAGEMENT, LLC2.69%
NOMURA ASSET MANAGEMENT INTERNATIONAL INC.2.54%
FIRST TRUST ADVISORS LP2.51%

Funds

Fund% owned
Performance Trust Total Return Bond Fund29.43%
Angel Oak Financial Strategies Income Term Trust13.79%
Angel Oak Multi-Strategy Income Fund8.27%
Performance Trust Multisector Bond Fund5.53%
Angel Oak Income ETF5.52%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.03%
Avantis U.S. Small Cap Value ETF3.01%
iShares Russell 2000 ETF2.67%
First Trust SMID Cap Rising Dividend Achievers ETF2.10%
Nomura Small Cap Core Fund1.79%

OakChart. EFSC. Cached 15 minutes.