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Regional Bank Quality at Credit Cleanup Discount – Q4 2025 Earnings
Enterprise Financial Services (EFSCP) is a quality regional bank executing a credit cleanup that creates a tactical opportunity. Core franchise metrics (ROTCE 14%, NIM 4.26%, DDA >30% for 4 years) match the profile of strong regional peers like UMBF, FFBC, and BOH—but EFSCP trades at 4.91 P/E while
Enterprise Financial Services executes credit cleanup with 95 bps NPA spike, expects normalization to 35-40 bps by Q2 2026
Enterprise Financial Services (EFSCP) reported Q4 2025 earnings on January 27, 2026, revealing a quality regional bank franchise executing a credit cleanup that creates near-term uncertainty against otherwise strong fundamentals. The company reported non-performing assets spiking to 95 basis points,