Esquire Financial Holdings, Inc. (ESQ) Financial Statements
Industry: Commercial Banks (Other)
In fiscal 2025, Esquire Financial reported revenue of $146.6M, up 17.4% from $124.8M the year before. Net income was $50.8M (a 34.7% net margin), or $5.87 per diluted share. Net interest income was $121.5M, and the efficiency ratio (noninterest expense / revenue) was 48.6%. Operating activities generated $59.8M of cash, leaving $56.7M of free cash flow. At fiscal year end, Esquire Financial held $2.37B in total assets against $2.08B in total liabilities, including $235.9M of cash and equivalents.
Open the full interactive Esquire Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Esquire Financial Key Stats
| Share Price | $120.18 |
|---|---|
| Market Cap | $1.05B |
| P/E Ratio | 20.5 |
| Revenue YoY Growth | +17.4% |
| 52-Week Range | $92.25 – $132.72 |
| Shares Outstanding | 8.3 million (basic, 2026 Q2) |
Esquire Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $37.4M | $43.7M | $59.3M | $83.8M | $99.9M | $121.5M |
| Provision for Credit Losses | $6.2M | $7.0M | $3.5M | $4.5M | $4.7M | $9.7M |
| Noninterest Income | $14.6M | $21.0M | $24.9M | $29.8M | $24.9M | $25.1M |
| Noninterest Expense | $28.7M | $35.1M | $42.0M | $53.1M | $60.8M | $71.2M |
| Revenue | $52.1M | $64.7M | $84.3M | $113.5M | $124.8M | $146.6M |
| Pre-Tax Income | $17.2M | $22.7M | $38.8M | $55.9M | $59.3M | $65.7M |
| Income Tax | $4.5M | $4.8M | $10.3M | $14.9M | $15.6M | $14.8M |
| Net Income | $12.6M | $17.9M | $28.5M | $41.0M | $43.7M | $50.8M |
| Diluted EPS | $1.65 | $2.26 | $3.47 | $4.91 | $5.14 | $5.87 |
Esquire Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $37.6M | $39.4M | $40.5M | $42.1M |
| Net Income | $14.1M | $13.5M | $12.2M | $13.0M |
| Diluted EPS | $1.62 | $1.55 | $1.40 | $1.49 |
Esquire Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $65.2M | $149.2M | $164.1M | $165.2M | $126.3M | $235.9M |
| Loans (Net) | $661.0M | $775.4M | $935.1M | — | — | — |
| Total Assets | $936.7M | $1.18B | $1.40B | $1.62B | $1.89B | $2.37B |
| Deposits | $804.1M | $1.03B | $1.23B | $1.41B | $1.64B | $2.06B |
| Total Long-Term Debt | $49,000 | $48,000 | $46,000 | $44,000 | $42,000 | $40,000 |
| Total Liabilities | $810.6M | $1.04B | $1.24B | $1.42B | $1.66B | $2.08B |
| Shareholders' Equity | $126.1M | $143.7M | $158.2M | $198.6M | $237.1M | $289.6M |
Esquire Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $15.6M | $30.1M | $38.8M | $42.4M | $42.2M | $59.8M |
| Cash From Investing | -$135.4M | -$170.5M | -$221.5M | -$215.4M | -$308.3M | -$362.1M |
| Cash From Financing | $123.2M | $224.4M | $197.7M | $174.1M | $227.2M | $411.8M |
| Free Cash Flow | $14.8M | $29.1M | $38.7M | $41.8M | $41.5M | $56.7M |
Figures from Esquire Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Esquire Financial financials page for every line item.
Esquire Financial Company Profile
| Ticker | ESQ |
|---|---|
| Exchange | Nasdaq |
| Industry | Commercial Banks (Other) |
| Headquarters | Jericho, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001531031 |
Frequently Asked Questions
What was Esquire Financial's revenue in fiscal 2025?
Esquire Financial (ESQ) reported revenue of $146.6M for fiscal 2025.
What is Esquire Financial's annual revenue history?
Esquire Financial's annual revenue by fiscal year: 2020: $52.1M; 2021: $64.7M; 2022: $84.3M; 2023: $113.5M; 2024: $124.8M; 2025: $146.6M.
What was Esquire Financial's net income in fiscal 2025?
Esquire Financial reported net income of $50.8M for fiscal 2025.
What was Esquire Financial's earnings per share (EPS) in fiscal 2025?
Esquire Financial's diluted EPS was $5.87 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Esquire Financial generate in fiscal 2025?
Esquire Financial generated $56.7M of free cash flow in fiscal 2025.
What was Esquire Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Esquire Financial reported revenue of $42.1M.
How much debt does Esquire Financial have?
Esquire Financial reported $40,000 of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Esquire Financial are outstanding?
Esquire Financial reported a weighted average of 8.3 million basic shares outstanding in 2026 Q2.
What is Esquire Financial's market cap?
Based on its latest closing price, Esquire Financial (ESQ) has a market capitalization of about $1.05B.
When does Esquire Financial's fiscal year end?
Esquire Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Esquire Financial headquartered?
Esquire Financial lists its business address in Jericho, New York in its SEC filings.