Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc.

NNASDAQ:ESQ
129.15
USD
+2.24
(+1.77%)
6.06EPS
18.50P/E
1.03BMarket Cap
Jan 28Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.99
3.95
4.11
4.81
6.2
7.02
8.67
11.03
14.71
15.97
18.18
- -
Basic EPS, GAAP
0.23
0.56
0.59
1.18
1.91
1.7
2.4
3.73
5.31
5.58
6.3
- -
Free Cash Flow per Basic Share
0.3
0.73
0.61
1.2
1.92
1.68
3.63
5.07
5.42
5.31
7.03
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
0.28
0.48
0.62
0.73
0.56
Book Value per Share
7.21
7.61
11.38
12.32
14.51
16.18
17.77
19.3
23.96
28.38
33.86
- -
Tangible Book Value per Share
7.21
7.61
11.38
12.32
14.51
16.18
17.77
19.3
23.96
28.38
33.86
- -
Basic Weighted Avg Shares
5
5
6
7
7
7
7
8
8
8
8
9
Sales/Revenue/Turnover
15
20
25
36
46
52
65
84
114
125
147
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
1
1
2
2
3
3
3
4
- -
Net Income, GAAP
1
3
4
9
14
13
18
29
41
44
51
- -
Effective Tax Rate (%)
36.17
38.49
48.19
26.75
26.1
26.5
21.06
26.5
26.61
26.35
22.59
- -
Profit Margin (%)
7.85
14.27
14.36
24.54
30.8
24.22
27.69
33.84
36.13
34.98
34.68
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
49
52
83
93
111
126
144
158
199
237
290
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
5.51
5.35
9.9
13.86
10.64
13.28
18.89
22.99
20.04
19.3
- -
Return on Common Equity (%)
- -
5.55
5.38
9.92
13.88
10.64
13.29
18.89
22.99
20.04
19.3
- -

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9
9
12
Market Capitalization
928
1,030
1,415

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
480
482
- -
Accounts Receivable, Net
13
14
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.1%
18.23%
22.14%
Free Cash Flow
53.63%
40.88%
36.58%
Net Income, GAAP
52.86%
33.57%
16.41%
Sales/Revenue/Turnover
26%
23.31%
17.41%
Total Cash Common Dividend
- -
- -
20.95%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
29
31
32
33
125
2025
34
36
38
39
147
2026
40
42
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.29
1.34
1.45
1.49
5.58
2025
1.43
1.48
1.74
1.66
6.3
2026
1.48
1.57
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.15
0.15
0.17
0.62
2025
0.18
0.17
0.18
0.2
0.73
2026
0.2
0.2
- -
- -
- -

Company Description

CEO
Andrew C. Sagliocca
Full Time Employees
148
Sector
Finance
Industry
Major banks
Address
100 Jericho Quadrangle Jericho NY United States 11753
IPO Date
Jun 27, 2017
Business
Esquire Financial Holdings, Inc. (NASDAQ: ESQ) is a financial holding company headquartered in Jericho, New York, that operates through its wholly owned subsidiary, Esquire Bank, National Association, a full-service commercial bank serving the litigation industry, small businesses nationally, and commercial and retail customers in the New York metropolitan area. The bank offers a comprehensive suite of products and services including deposit products such as checking accounts, no-fee law firm checking, high-yield money market accounts, savings accounts, time deposits, certificates of deposit, IOLTA/IOLTA escrow accounts; commercial lending encompassing short-term financing for inventory and receivables, commercial lines of credit, portfolio acquisition loans, agent residual acquisition loans, working capital lines of credit, merchant term loans, multifamily and 1-4 family residential loans, commercial real estate loans, construction loans; consumer loans including post-settlement structured settlement loans to plaintiffs and claimants, debt consolidation, medical and living expense loans; merchant services featuring credit card payment processing and ACH services; cash management solutions with remote deposit capture, cash sweep programs; and digital banking options like online and mobile banking, individual retirement accounts, tailored law firm banking solutions. Esquire Bank maintains branch offices in Jericho, New York, and Los Angeles, California, with an administrative office in Boca Raton, Florida, supporting operations across the United States with a focus on specialty lending to personal injury law firms, community development, multifamily properties, and payment processing for small- to medium-sized businesses. Founded in 2006, the company emphasizes technology-enabled delivery channels including AI-driven marketing, a proprietary Salesforce-based CRM system, and partnerships with software vendors to enhance client acquisition and service in its niche verticals. In April 2025, Esquire Bank entered a sourcing joint venture agreement with funds managed by affiliates of Fortress Investment Group to expand lending solutions and banking services for contingency fee law firms, combining Esquire's platforms with Fortress's origination expertise to offer larger, bespoke credit facilities supporting growth, technology investments, acquisitions, and operations. Recent achievements include recognition on the 2025 Keefe, Bruyette & Woods Bank Honor Roll, Piper Sandler Sm-All Stars, Gartner’s Q4 2024 CMO Journal for AI personalization, and the 2024 Raymond James Community Bankers Cup for superior performance; the company also expanded its headquarters with a new 50,000 square-foot office lease in Jericho, NY, reported third quarter 2025 net income of $14.1 million, and demonstrated strong growth with total loans at $1.416 billion and deposits at $1.688 billion in Q1 2025.

Company News

  • Esquire Financial: 3 Key Takeaways for Long-Term Investors

  • Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders

  • Can Esquire Financial (ESQ) Run Higher on Rising Earnings Estimates?

  • Esquire Financial Holdings' Strong Growth Is Impressive, But Not Upgrade-Worthy

  • Esquire Financial Holdings, Inc. (ESQ) Q3 2026 Earnings Call Transcript

  • Esquire Financial Q3 Earnings Call Highlights

  • Esquire Financial (ESQ) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

  • Esquire Financial Holdings, Inc. (ESQ) Surpasses Q3 Earnings and Revenue Estimates

  • Esquire Financial Holdings, Inc. Reports Third Quarter 2026 Results

  • Esquire Financial Holdings, Inc. (ESQ) Reports Next Week: Wall Street Expects Earnings Growth

  • Head-To-Head Comparison: Esquire Financial (NASDAQ:ESQ) vs. First Merchants (NASDAQ:FRME)

  • Can Esquire Financial (ESQ) Keep the Earnings Surprise Streak Alive?

  • Esquire Financial Holdings: A Quality, Niche Small-Cap Bank With A Premium Valuation

  • Contrasting Esquire Financial (NASDAQ:ESQ) & First Western Financial (NASDAQ:MYFW)

  • Esquire Financial Holdings, Inc. Announces Third Quarter 2026 Earnings Release and Conference Call on October 27, 2026

  • Esquire Financial (ESQ) Upgraded to Buy: Here's What You Should Know

  • Corient Private Wealth LP Purchases Shares of 15,838 Esquire Financial Holdings, Inc. $ESQ

  • Esquire Bank Named a Top Deposit Franchise by S&P Global Market Intelligence for Third Consecutive Year

  • Esquire Financial Holdings Ranks #3 Among Top-Performing U.S. Banks in Bank Director's 2026 RankingBanking

  • Bank of America Corp DE Purchases 70,646 Shares of Esquire Financial Holdings, Inc. $ESQ