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Enterprise Financial Services EFSC Bank-owned life insurance — Total noninterest income

Other product segments

Anticipated Insurance Proceeds
$32.11M
Deposit service charges
$5.26M+18.9%
SBA Loan Sales
$4.19M+196%
Wealth management revenue
$2.71M+2.0%
Card services revenue
$2.54M+5.8%
Gain on SBA loan sales
$1.14M
Community development fees
$922K+210%
Tax credit income (loss)
-$179K-107%

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Other financials

Income statement

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Revenue$182.2M+5.1%
Net income$40.9M-20.4%
EPS (diluted)$1.09-19.9%

Balance sheet

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Cash & equivalents$273.9M-44.3%
Total debt$27.1M+3.8%
Total equity$2.0B+6.1%
Total assets$17.4B+8.2%

Cash flow

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Operating cash flow$58.5M+46.2%
CapEx$1.0M-76.7%
Free cash flow$57.5M+61.4%

Valuation

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Market cap$2.4B+18.0%
P/E12.6×+2.5×
P/S3.1×+0.1×

Profitability

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Net margin24.8%-5.1pp
FCF margin26.8%-11.2pp

Returns & leverage

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Return on equity9.6%-1.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Enterprise Financial Services in its filing.

Tagged under the XBRL concept us-gaap:NoninterestIncome.

The source filing: Enterprise Financial Services’s 10-Q, filed May 1, 2026.

Filed
May 1, 2026, 4:07 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001025835-26-000108
($ in thousands)Three months ended March 31, 2026Three months ended March 31, 2025
Other income:
Bank-owned life insurance$2,533$871
Community development fees1,067707
Gain on SBA loan sales1,4141,895
Other income3,7502,926
Total other noninterest income$8,764$6,399
Other expense:
Amortization of intangibles$1,400$855

Item 6. Exhibits [54](#i37d7882297644a83b342ac87e0c33d5f_172)

FAQ

What is Enterprise Financial Services's bank-owned life insurance — total noninterest income?
Enterprise Financial Services (EFSC) reported bank-owned life insurance — total noninterest income of $2.53M in Q1 2026.
How has Enterprise Financial Services's bank-owned life insurance — total noninterest income changed year-over-year?
Enterprise Financial Services's bank-owned life insurance — total noninterest income increased by 190.8% year-over-year, from $871K to $2.53M.
What is the long-term trend for Enterprise Financial Services's bank-owned life insurance — total noninterest income?
Over 4 years (2021 to 2025), Enterprise Financial Services's bank-owned life insurance — total noninterest income has grown at a 26.1% compound annual growth rate (CAGR), from $2.94M to $7.42M.
What does bank-owned life insurance — total noninterest income mean?
This metric represents the total noninterest income generated from bank-owned life insurance (BOLI) policies held by the financial institution. It reflects the earnings, such as increases in cash surrender value and death benefit proceeds, recognized from these insurance assets. This income stream serves as a component of the institution's broader noninterest revenue portfolio, providing a stable source of earnings that is independent of traditional interest rate spreads.

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