NASDAQ : ESQ
Esquire Financial Holdings, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 124.96 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.47B
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 161.87M | 119.58M | 98.46M | 82.71M | 55.26M | 42.16M |
| Interest Income on Investments | 19.84M | 19.84M | 14.91M | 9.17M | 5.74M | 2.37M |
| Total Interest Income | 181.71M | 139.42M | 113.37M | 91.89M | 60.99M | 44.53M |
| Interest Paid on Deposits | 25.17M | 17.93M | 13.44M | 8.11M | 1.64M | 825.00K |
| Interest Paid on Borrowings | 4.00K | 4.00K | 4.00K | 4.00K | 4.00K | 3.00K |
| Total Interest Expense | 25.17M | 17.94M | 13.44M | 8.12M | 1.65M | 828.00K |
| Net Interest Income | 156.54M | 121.48M | 99.93M | 83.77M | 59.35M | 43.70M |
| Gain (Loss) on Sale of Investments | 432.00K | 432.00K | 4.01M | |||
| Other Non-Interest Income | 26.41M | 24.65M | 24.89M | 25.74M | 24.84M | 21.32M |
| Total Non-Interest Income | 26.84M | 25.08M | 24.89M | 29.75M | 24.93M | 21.02M |
| Revenues Before Loan Losses | 183.38M | 146.56M | 124.82M | 113.52M | 84.27M | 64.73M |
| Provision for Loan Losses | 10.30M | 9.68M | 4.70M | 4.53M | 3.49M | 6.96M |
| Revenue | 173.08M | 136.89M | 120.12M | 109.00M | 80.78M | 57.77M |
| Salaries and Employee Benefits | 46.62M | 37.36M | 34.01M | 29.26M | 23.33M | 19.78M |
| Occupancy Expenses | 3.90M | 3.90M | 3.33M | 2.51M | 2.60M | 2.23M |
| Federal Deposit Insurance | 1.12M | 1.12M | 943.00K | 793.00K | 558.00K | 447.00K |
| Selling, General & Administrative | 25.57M | 25.18M | 19.56M | 17.49M | 12.70M | 10.64M |
| Other Non-Interest Expense | 6.74M | 3.67M | 3.00M | 3.06M | 2.79M | 1.97M |
| Total Non-Interest Expense | 85.77M | 71.23M | 60.84M | 53.12M | 41.98M | 35.06M |
| EBT Excluding Unusual Items | 87.31M | 65.65M | 59.28M | 55.88M | 38.80M | 22.71M |
| Pretax Income | 76.29M | 65.65M | 59.28M | 55.88M | 38.80M | 22.71M |
| Income Tax Expense | 20.15M | 14.83M | 15.62M | 14.87M | 10.28M | 4.78M |
| Net Income | 56.14M | 50.82M | 43.66M | 41.01M | 28.52M | 17.93M |
| Net Income to Common | 56.14M | 50.82M | 43.66M | 41.01M | 28.52M | 17.93M |
| Basic Shares Outstanding | 8.82M | 8.06M | 7.82M | 7.72M | 7.64M | 7.47M |
| Diluted Shares Outstanding | 9.33M | 8.66M | 8.49M | 8.35M | 8.21M | 7.95M |
| EPS (Basic) | 6.36 | 6.30 | 5.58 | 5.31 | 3.73 | 2.40 |
| EPS (Diluted) | 6.03 | 5.87 | 5.14 | 4.91 | 3.47 | 2.26 |
| Dividend Per Share | 0.78 | 0.70 | 0.60 | 0.47 | 0.28 | |
| Effective Tax Rate | 26.41% | 22.59% | 26.35% | 26.61% | 26.50% | 21.06% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 471.50M | 235.89M | 126.33M | 165.21M | 164.12M | 149.16M |
| Investment Securities | 9.01M | 9.40M | 10.63M | 64.61M | 52.68M | |
| Mortgage-Backed Securities | 512.67M | 306.70M | 310.41M | 199.11M | 187.65M | |
| Total Investments | 512.67M | 315.71M | 319.81M | 209.74M | 252.26M | 52.68M |
| Gross Loans | 3.43B | 1.76B | 1.40B | 1.21B | 948.55M | 784.98M |
| Allowance for Loan Losses | -44.68M | -24.02M | -20.98M | -16.63M | -12.22M | -9.08M |
| Other Adjustments to Gross Loans | -668.00K | -1.26M | -466.00K | |||
| Net Loans | 3.38B | 1.73B | 1.38B | 1.19B | 935.07M | 775.44M |
| Property, Plant & Equipment | 3.77M | 6.47M | 5.62M | 4.33M | 5.00M | 5.71M |
| Other Intangible Assets | 3.63M | 4.12M | 2.88M | 3.40M | ||
| Loans Held for Sale | 14.10M | |||||
| Accrued Interest Receivable | 12.64M | 10.12M | 9.13M | 5.77M | 4.20M | |
| Long-Term Deferred Tax Assets | 11.12M | 13.13M | 11.62M | 9.57M | 2.85M | |
| Other Long-Term Assets | 188.72M | 45.80M | 37.32M | 23.18M | 20.45M | 174.64M |
| Total Assets | 4.81B | 2.37B | 1.89B | 1.62B | 1.40B | 1.18B |
| Accrued Expenses | 9.91M | 9.18M | 8.84M | 9.24M | 3.64M | |
| Interest Bearing Deposits | 2.87B | 1.48B | 1.13B | 933.15M | 783.36M | 611.44M |
| Institutional Deposits | 3.04M | 9.32M | 872.00K | 554.00K | 7.62M | |
| Non-Interest Bearing Deposits | 1.11B | 576.46M | 497.96M | 473.27M | 444.32M | 409.35M |
| Total Deposits | 3.98B | 2.06B | 1.64B | 1.41B | 1.23B | 1.03B |
| Current Portion of Leases | 988.00K | |||||
| Long-Term Leases | 1.65M | 3.50M | 2.18M | 2.99M | ||
| Other Long-Term Liabilities | 40.90M | 500.00K | 500.00K | |||
| Total Liabilities | 4.02B | 2.08B | 1.66B | 1.42B | 1.24B | 1.04B |
| Common Stock | 786.62M | 87.00K | 85.00K | 84.00K | 82.00K | 81.00K |
| Additional Paid-In Capital | 109.89M | 104.05M | 99.71M | 96.39M | 93.61M | |
| Retained Earnings | 197.79M | 152.93M | 114.26M | 77.71M | 51.46M | |
| Treasury Stock | -9.68M | -5.69M | -2.27M | -906.00K | -567.00K | |
| Comprehensive Income & Other | -8.49M | -14.29M | -13.23M | -15.12M | -850.00K | |
| Total Common Equity | 786.62M | 289.60M | 237.09M | 198.56M | 158.16M | 143.74M |
| Shareholders' Equity | 786.62M | 289.60M | 237.09M | 198.56M | 158.16M | 143.74M |
| Total Liabilities & Equity | 4.81B | 2.37B | 1.89B | 1.62B | 1.40B | 1.18B |
| Total Debt | 2.64M | 3.50M | 2.18M | 2.99M | ||
| Net Cash (Debt) | 471.50M | 233.25M | 122.83M | 163.03M | 213.69M | 196.44M |
| Net Cash Per Share | 50.55 | 26.93 | 14.47 | 19.53 | 26.02 | 24.72 |
| Filing Date Shares Outstanding | 11.79M | 8.19M | 7.94M | 7.77M | 7.70M | 7.60M |
| Total Common Shares Outstanding | 11.79M | 8.11M | 7.86M | 7.77M | 7.69M | 7.61M |
| Book Value Per Share | 66.70 | 35.73 | 30.16 | 25.54 | 20.56 | 18.90 |
| Tangible Book Value | 539.73M | 285.96M | 232.97M | 195.68M | 154.76M | 143.74M |
| Tangible Book Value Per Share | 45.77 | 35.28 | 29.64 | 25.17 | 20.12 | 18.90 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 50.82M | 43.66M | 41.01M | 28.52M | 17.93M | |
| Depreciation & Amortization | 1.97M | 1.45M | 1.27M | 1.17M | 1.22M | |
| Other Amortization | 1.72M | 1.83M | 1.26M | 1.38M | 1.01M | |
| Gain (Loss) on Sale of Investments | 37.00K | 430.00K | -3.58M | 537.00K | 776.00K | |
| Provision for Credit Losses | 9.68M | 4.70M | 4.53M | 3.49M | 6.96M | |
| Accrued Interest Receivable | -2.52M | -994.00K | -3.36M | -1.57M | 332.00K | |
| Change in Other Net Operating Assets | -6.72M | -11.11M | 1.90M | 5.30M | 365.00K | |
| Other Operating Activities | 20.00K | -1.11M | -2.55M | -1.33M | 653.00K | |
| Operating Cash Flow | 59.84M | 42.21M | 42.40M | 38.80M | 30.08M | |
| Capital Expenditures | -3.16M | -714.00K | -605.00K | -73.00K | -1.00M | |
| Investment in Securities | 532.00K | -2.36M | 56.24M | -58.76M | -33.21M | |
| Purchase / Sale of Intangibles | -2.42M | -2.44M | -2.40M | -1.16M | -1.94M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -367.93M | -189.48M | -259.23M | -161.38M | -134.35M | |
| Other Investing Activities | 10.89M | -113.28M | -9.41M | -130.00K | 14.00K | |
| Investing Cash Flow | -362.09M | -308.27M | -215.40M | -221.50M | -170.49M | |
| Long-Term Debt Repaid | -2.00K | -2.00K | -2.00K | -2.00K | -1.00K | |
| Net Debt Issued (Repaid) | -2.00K | -2.00K | -2.00K | -2.00K | -1.00K | |
| Issuance of Common Stock | 887.00K | 505.00K | 110.00K | 333.00K | 27.00K | |
| Repurchase of Common Stock | -3.99M | -3.42M | -1.36M | -339.00K | ||
| Common Dividends Paid | -5.86M | -4.85M | -3.72M | -2.15M | ||
| Net Increase (Decrease) in Deposit Accounts | 420.77M | 234.94M | 179.06M | 199.83M | 224.35M | |
| Financing Cash Flow | 411.81M | 227.17M | 174.09M | 197.67M | 224.38M | |
| Net Cash Flow | 109.56M | -38.88M | 1.09M | 14.97M | 83.97M | |
| Free Cash Flow | 56.68M | 41.50M | 41.80M | 38.72M | 29.07M | |
| Free Cash Flow Margin | 41.41% | 34.55% | 38.34% | 47.94% | 50.33% | |
| Free Cash Flow Per Share | 6.54 | 4.89 | 5.01 | 4.71 | 3.66 | |
| Cash Interest Paid | 17.96M | 13.43M | 8.13M | 1.62M | 828.00K | |
| Cash Income Tax Paid | 15.29M | 18.00M | 17.59M | 8.65M | 5.96M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.48B | 828.65M | 622.24M | 385.76M | 333.35M | 235.20M |
| Last Close Price | 124.96 | 101.53 | 78.48 | 48.78 | 41.79 | 30.21 |
| PE Ratio | 20.88 | 16.30 | 14.25 | 9.41 | 11.69 | 13.12 |
| PS Ratio | 8.67 | 6.05 | 5.18 | 3.54 | 4.13 | 4.07 |
| PB Ratio | 1.87 | 2.86 | 2.62 | 1.94 | 2.11 | 1.64 |
| P/FCF Ratio | 22.60 | 14.62 | 14.99 | 9.23 | 8.61 | 8.09 |
| P/OCF Ratio | 22.20 | 13.85 | 14.74 | 9.10 | 8.59 | 7.82 |
| Debt / Equity Ratio | 0.01 | 0.01 | 0.01 | 0.02 | ||
| Debt / FCF Ratio | 0.05 | 0.08 | 0.05 | 0.10 | ||
| Net Debt / Equity Ratio | -0.60 | -0.81 | -0.52 | -0.82 | -1.35 | -1.37 |
| Net Debt / FCF Ratio | -4.12 | -2.96 | -3.90 | -5.52 | -6.76 | |
| Return on Equity (ROE) | 10.53% | 19.30% | 20.04% | 22.99% | 18.89% | 13.29% |
| Return on Assets (ROA) | 1.61% | 2.39% | 2.49% | 2.72% | 2.21% | 1.70% |
| Earnings Yield | 4.79% | 6.13% | 7.02% | 10.63% | 8.55% | 7.62% |
| FCF Yield | 4.42% | 6.84% | 6.67% | 10.84% | 11.62% | 12.36% |
| Dividend Yield | 0.63% | 0.69% | 0.76% | 0.96% | 0.65% | |
| Payout Ratio | 13.28% | 11.53% | 11.10% | 9.07% | 7.54% | |
| Buyback Yield / Dilution | -7.93% | -2.06% | -1.70% | -1.61% | -3.36% | -3.97% |
| Total Shareholder Return | -7.30% | -1.38% | -0.94% | -0.65% | -2.71% | -3.97% |