Enterprise Financial(EFSC) ZACKS·2025-01-28 00:01Core Insights - Enterprise Financial Services (EFSC) reported $167 million in revenue for Q4 2024, marking a year-over-year increase of 0.5% and a surprise of +5.83% over the Zacks Consensus Estimate of $157.8 million [1] - The earnings per share (EPS) for the same period was $1.32, compared to $1.21 a year ago, resulting in an EPS surprise of +11.86% against the consensus estimate of $1.18 [1] Financial Performance Metrics - Efficiency Ratio stood at 59.6%, better than the three-analyst average estimate of 60.4% [4] - Net Interest Margin was reported at 4.1%, matching the average estimate based on three analysts [4] - Total nonperforming loans amounted to $42.69 million, exceeding the average estimate of $32.66 million from two analysts [4] - Average Balance of Total Interest Earning Assets was $14.32 billion, surpassing the two-analyst average estimate of $14.07 billion [4] - Net charge-offs to average loans were 0.3%, higher than the two-analyst average estimate of 0.2% [4] - Total Noninterest Income reached $20.63 million, exceeding the three-analyst average estimate of $17.72 million [4] - Net Interest Income was reported at $146.37 million, compared to the average estimate of $140.72 million from two analysts [4] - Deposit service charges were $4.73 million, slightly below the average estimate of $4.83 million from two analysts [4] - Tax credit income was $6.02 million, significantly higher than the average estimate of $3 million from two analysts [4] - Net interest income (FTE) was $148.64 million, compared to the average estimate of $143.56 million from two analysts [4] - Wealth management income was $2.72 million, slightly below the average estimate of $2.81 million from two analysts [4] Stock Performance - Shares of Enterprise Financial Services have returned +0.2% over the past month, while the Zacks S&P 500 composite has changed by +1.1% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]