Note 10: Goodwill and Intangible Assets
Goodwill
The following table summarizes the changes in goodwill by reporting unit:
(in $000s)ERSTESAPSTotal
Balance, December 31, 2023$498,808 $167,307 $37,896 $704,011 
Acquisitions$— $— $1,439 $1,439 
Currency translation adjustment(644)— — (644)
Balance, December 31, 2024498,164 167,307 39,335 704,806 
Currency translation adjustment361 — — 361 
Balance, December 31, 2025$498,525 $167,307 $39,335 $705,167 
Intangible Assets
Intangible assets consisted of the following:
December 31, 2025December 31, 2024
(in $000s)Weighted Average Remaining Life (Years)Gross Carrying AmountAccumulated AmortizationGross Carrying AmountAccumulated Amortization
Definite-lived intangible assets:
Trade names10.3$179,000 $(75,817)$180,780 $(67,530)
Customer relationships9.3214,201 (91,659)214,188 (75,046)
Non-compete agreements and other0.0— — 535 (534)
Total$393,201 $(167,476)$395,503 $(143,110)
Amortization expense associated with the intangible assets noted above was $27.0 million, $26.7 million, and $27.1 million for the years ended December 31, 2025, 2024 and 2023, respectively.
Amortization Expense
As of December 31, 2025, estimated amortization expense for intangible assets for each of the next five years and thereafter is estimated to be as follows:
(in $000s)Amortization
2026$26,743 
202726,743 
202826,743 
202926,379 
203026,258 
Thereafter92,859 
Total estimated future amortization expense$225,725 

Historical Timeline

Fiscal YearFiled
2025Mar 10, 2026Showing above
2024Mar 4, 2025
2023Mar 7, 2024
2022Mar 14, 2023
2021Mar 16, 2022
2020Mar 9, 2021
2019Mar 16, 2020

About Goodwill & Intangibles Disclosures

Goodwill and intangible asset disclosures reveal the premium paid in acquisitions and how management assesses whether that premium retains its value. Since goodwill is no longer amortized under US GAAP, the annual impairment test is the only mechanism that adjusts carrying values downward — making the assumptions behind that test critically important for investors.

Key signals: a history of goodwill impairments suggests management consistently overpays for acquisitions. Watch the gap between reporting unit fair value and carrying amount — when fair value exceeds carrying amount by less than 10-20%, a small decline in business performance could trigger a write-down. For finite-lived intangibles, examine useful life assumptions across customer relationships, technology, and trade names; aggressive estimates inflate near-term earnings. Compare total intangibles-to-total-assets ratios against peers to assess acquisition dependency. Rising goodwill as a percentage of equity can signal balance sheet fragility.