Enterprise Financial Services Corporation (EFSC) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, and thank you for standing by. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Enterprise Financial Services Corporation fourth quarter 2025 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star and the number one on your telephone keypad. To withdraw your question, press star 1 again. I would now like to turn the conference over to Jim Lally, President and CEO. Please go ahead. Good morning, and thank you all very much for joining us, and welcome to our 2025 Fourth Quarter Earnings Call. Joining me this morning is King Turner, EFSC's Chief Financial Officer and Chief Operating Officer, and Doug Bauke, Chief Banking Officer of Enterprise Bank and Trust. Before we begin, I would like to remind everybody in the call that a copy of the release and the company presentation can be found on our website. The presentation and earnings release were furnished on SEC form 8K yesterday. Please refer to slide two of the presentation titled Forward Looking Statements and for our most recent 10K and 10Q for reasons why actual results may vary from any forward looking statements that we make today. Our financial highlights begin on slide three. I am pleased with our results for the fourth quarter and for all of 2025. For the quarter, we earned $1.45 per diluted share, which compares favorably to the $1.19 that we earned in the linked quarter and $1.28 in the fourth quarter of 2024. These results produced a return on average assets of 1.27% and a pre-provision return on average assets of 1.74%. We discussed in our last earni...