EFSC · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Sep 17, 2026.
80 filings were skipped because the SEC primary document returned 404; the omission is disclosed and aggregates are withheld.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (10 versus 0). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| SANBORN RICHARDDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 978 | —Grant, award, or other acquisition (A) | — | 2,010 | Aug 14, 2026 | 1 filed lot
|
| Young Lina ADirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 978 | —Grant, award, or other acquisition (A) | — | 5,510 | Aug 14, 2026 | 1 filed lot
|
| VAN TREASE SANDRADirector | Grant, award, or other acquisition (A)Table II · Acquired · Phantom Stock | 2,227 | —Grant, award, or other acquisition (A) | — | 2,227 | Aug 14, 2026 | 1 filed lot
|
| MARSH STEPHEN PDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 1,057 | —Grant, award, or other acquisition (A) | — | 1,057 | Aug 14, 2026 | 1 filed lot
|
| Manjarrez MarcelaDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 978 | —Grant, award, or other acquisition (A) | — | 5,450 | Aug 14, 2026 | 1 filed lot
|
| KENT NEVADA ADirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 1,057 | —Grant, award, or other acquisition (A) | — | 2,089 | Aug 14, 2026 | 1 filed lot
|
| Holmes MichaelDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 1,956 | —Grant, award, or other acquisition (A) | — | 5,228 | Aug 14, 2026 | 1 filed lot
|
| DECOLA MICHAEL ADirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 2,935 | —Grant, award, or other acquisition (A) | — | 2,935 | Aug 14, 2026 | 1 filed lot
|
| Andrich LyneDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 978 | —Grant, award, or other acquisition (A) | — | 7,362 | Aug 14, 2026 | 1 filed lot
|
| ANDERSON LARS CDirector | Grant, award, or other acquisition (A)Table II · Acquired · Phantom Stock | 2,115 | —Grant, award, or other acquisition (A) | — | 2,115 | Aug 14, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $627M | 100% |
| |
| Income before tax | $284M | 45% |
|
| Income tax | $82.3M | 13% |
|
| $201M | 32% |
|
Flagship explainer
ENTERPRISE FINANCIAL SERVICES CORP's filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $17.3B | 100% |
|
| Cash and equivalents | $682M | 4% |
|
| Property, plant and equipment | $59M | 0% |
|
| Goodwill | $417M | 2% |
|
| Deferred tax assets | $98.5M | 1% |
|
| Operating lease right-of-use assets | $24M | 0% |
|
| Total liabilities | $15.3B | 88% |
|
| Stockholders’ equity | $2.0B | 12% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $201M | FY2025 |
|
| Income before tax | $284M | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | Unavailable | FY2025 |
|
| Ending assets | $17.3B | FY2025 |
|
| Beginning assets | $15.6B | FY2024 |
|
| Ending equity | $2.0B | FY2025 |
|
| Beginning equity | $1.8B | FY2024 |
|
Flagship explainer
ENTERPRISE FINANCIAL SERVICES CORP’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $194M | 100% |
|
| Depreciation and amortization | $6.8M | 4% |
|
| Share-based compensation | $13.5M | 7% |
|
| Cash from investing | −$1.1B | −558% |
|
| Cash from financing | $803M | 415% |
|
| Net change in cash | −$82.3M | −43% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
0 holding0 exited0 not holding0/19 resolved19 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Abrams Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Akre Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Baupost Group | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Berkshire Hathaway | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Brave Warrior Advisors | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Dodge & Cox | Not retrieved | Comparison not retrieved | Filing not retrieved |
| First Eagle | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Fundsmith | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gardner Russo & Quinn | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gates Foundation Trust | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Mairs & Power | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Markel / Markel-Gayner | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Oakmark / Harris Associates | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Polen Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Sequoia / Ruane Cunniff | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Southeastern Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Tweedy, Browne | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Yacktman Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Sep 17, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 10.5% on average equity, above the 10% hurdle in 89% of 9 years.
Q3 scored 3 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 10 years, ROE very steady.
Net interest income is 3.68% of average assets, very steady over 9 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 82 | |
| Jul 26, 2026 | 84 | |
| Jul 26, 2026 | 84 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.