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Enterprise Financial Services EFSC SBA Loan Sales — Noninterest income

Other product segments

Anticipated Insurance Proceeds
$32.11M
Deposit service charges
$5.26M+18.9%
Wealth management revenue
$2.71M+2.0%
Card services revenue
$2.54M+5.8%
Bank-owned life insurance
$1.93M+115%
Gain on SBA loan sales
$1.14M
Community development fees
$922K+210%
Tax credit income (loss)
-$179K-107%

Similar metrics at other companies

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HBANOther noninterest income — Noninterest income
$74M+185%
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KEYOther noninterest income — Noninterest income
$223M-1.3%
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HBANCustomer deposit and loan fees — Noninterest income
$128M+34.7%
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HBANInsurance income — Noninterest income
$29M+52.6%
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HBANMortgage banking income — Noninterest income
$53M+89.3%
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HBANNet gains (losses) on sales of securities — Noninterest income
$2M+103%

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-K, filed February 27, 2026.

Filed
Feb 27, 2026, 5:15 PM EST
Fiscal year
FY2025
Accession
0001025835-26-000058
($ in thousands)Year ended December 31, 2025Year ended December 31, 2024Year ended December 31, 2023
Bank-owned life insurance$7,420$3,737$3,688
Community development fees3,3642,4404,037
Net gain on OREO6,2553,089187
Gain on SBA loan sales4,1881,4152,015
Anticipated insurance proceeds132,112
Other income12,26011,30612,985
Total other noninterest income$65,599$21,987$22,912
Other expense:

ITEM 8: FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Enterprise Financial Services's SBA loan sales — noninterest income?
Enterprise Financial Services (EFSC) reported SBA loan sales — noninterest income of $1.05M in Q4 2025.
How has Enterprise Financial Services's SBA loan sales — noninterest income changed year-over-year?
Enterprise Financial Services's SBA loan sales — noninterest income increased by 196.0% year-over-year, from $353.75K to $1.05M.
What is the long-term trend for Enterprise Financial Services's SBA loan sales — noninterest income?
Over 2 years (2023 to 2025), Enterprise Financial Services's SBA loan sales — noninterest income has grown at a 44.2% compound annual growth rate (CAGR), from $2.02M to $4.19M.
What does SBA loan sales — noninterest income mean?
This metric represents the revenue generated from the sale of Small Business Administration (SBA) guaranteed loans into the secondary market. It reflects the fee-based income earned by the institution for originating and subsequently selling the government-guaranteed portion of these loans. This income stream is a key indicator of the company's ability to leverage government-backed lending programs to generate non-interest revenue while managing balance sheet exposure.

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