Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc.

ESQ
Esquire Financial Holdings, Inc.US flagNASDAQ Capital Market
115.62
USD
+2.37
- -
998.89MMarket Cap
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
18.86
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
6.35
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
7.55
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
0.28
0.48
0.62
0.73
0.75
Book Value per Share
-1.72
-1.15
-0.31
0.93
2.84
4.53
6.9
10.18
14.82
19.57
24.55
25.64
Tangible Book Value per Share
9.88
10.43
13.5
12.53
15
16.99
19.24
20.71
25.73
30.33
35.92
37.07
Basic Weighted Avg Shares
5
5
6
7
7
7
7
8
8
8
8
8
Sales/Revenue/Turnover
15
20
25
36
46
52
65
84
114
125
147
153
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
1
1
2
2
3
3
3
4
4
Net Income, GAAP
1
3
4
9
14
13
18
29
41
44
51
52
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
23.22
Profit Margin (%)
7.85
14.27
14.36
24.54
30.8
24.22
27.69
33.84
36.13
34.98
34.68
33.69
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
49
52
83
93
111
126
144
158
199
237
290
301
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
101.59
46.21
42.1
44.1
42.69
32.66
28.97
27.81

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9
9
9
Market Capitalization
816
823
874

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
506
482
480
Accounts Receivable, Net
12
13
13
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

in mil. unless spec.

Year

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

Quarterly Earnings Per Share

FRC

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

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
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Andrew C. Sagliocca
Full Time Employees
138
Sector
Financial Services
Industry
Banks - Regional
Address
100 Jericho Quadrangle Jericho NY United States of America 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

MCPAPIChat
  • Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Receive All Regulatory Approvals for Proposed Merger

  • $HAREHOLDER ALERT: The M&A Class Action Launches Legal Inquiry for the Merger--CZNL, ESQ, GDOT, and SEM

  • Esquire Financial Holdings, Inc. (ESQ) Shareholder/Analyst Call Prepared Remarks Transcript

  • $HAREHOLDER ALERT: The M&A Class Action Firm Continues to Investigate the Merger—D, INM, ESQ, and GDOT

  • Esquire Bank Ranks #1 in Raymond James Community Bankers Cup, Earning Recognition for Eighth Consecutive Year

  • Esquire Bank Earns Multiple Honors at 2026 FCS Portfolio Awards

  • Esquire Financial Investor Alert: Kahn Swick & Foti, LLC Investigates Merger of Esquire Financial Holdings, Inc. - ESQ

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

  • Esquire Financial Holdings, Inc. Named to KBW's Bank Honor Roll for Third Consecutive Year

  • Esquire Financial Q1 Earnings Call Highlights

  • Esquire Financial Holdings, Inc. (ESQ) Q1 2026 Earnings Call Transcript

  • Compared to Estimates, Esquire Financial (ESQ) Q1 Earnings: A Look at Key Metrics

  • Esquire Financial Holdings, Inc. (ESQ) Surpasses Q1 Earnings and Revenue Estimates

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

  • Esquire Bank Ranked Among Top 25 U.S. Merchant Acquirers by Nilson Report

  • Esquire Financial Holdings, Inc. Announces First Quarter 2026 Earnings Release and Conference Call on April 23, 2026

  • Head-To-Head Contrast: Esquire Financial (NASDAQ:ESQ) & Franklin Financial Services (NASDAQ:FRAF)

  • ESQUIRE BANK RECOGNIZED BY S&P GLOBAL MARKET INTELLIGENCE AS A BEST-PERFORMING U.S. COMMUNITY BANK OF 2025

  • Richard Powers Sells 2,308 Shares of Esquire Financial (NASDAQ:ESQ) Stock

  • Are NSA, ULY, ESQ, BRNS Obtaining Fair Deals for their Shareholders?