Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc.

ESQ·NASDAQ

$106.20

-3.4%
Financial ServicesBanks - Regional

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. As of January 25, 2022, the company operated a full-service branch in Jericho, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

At a Glance

Live Snapshot
Market Cap$917.51M
EPS6.3000
P/E Ratio16.86
Earnings Date07/23/2026
3Y+91.0%
5Y+209.0%
10Y+711.0%
3Y+78.0%
5Y+303.0%
10Y+1702.0%
3Y+54.0%
5Y+284.0%
10Y+847.0%
Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc. Profit Bridge

ESQ · NASDAQ
Revenue164.50M
Cost of Goods Sold (24.71M)
Gross Profit139.79M
Operating Expenses (71.27M)
Operating Income68.52M
Interest Expense (17.94M)
Other Income/Expense-2.90M
Pretax Income65.62M
Income Tax (14.76M)
Net Income50.85M
Net Income
50.85M

Profitability Analysis

Gross Margin

85.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

41.7%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

30.9%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

22.5%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Esquire Financial Holdings, Inc. Income Statement

ESQ • NASDAQ

Esquire Financial Holdings, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014
REVENUE
164.5M
138.3M
121.6M
85.9M
65.6M
53.3M
48.5M
36.8M
25.9M
20.3M
15.4M
11.7M
GROSS PROFIT
(24.7M)
(18.1M)
(12.6M)
(5.1M)
(7.8M)
(7.4M)
(4.4M)
(2.6M)
(1.4M)
(1.1M)
(1.4M)
(0.0)
139.8M
120.1M
109M
80.8M
57.8M
45.8M
44.5M
33.9M
24.3M
19.2M
14M
11.7M
OPERATING INCOME
(71.3M)
(60.8M)
(53.1M)
(42M)
(35.1M)
(28.7M)
(24.9M)
(22.3M)
(17.4M)
(14.6M)
(12.2M)
(11.3M)
(45.8M)
(42.3M)
(35.1M)
(27.8M)
(23.4M)
(17.8M)
(15.4M)
(13.8M)
(10.8M)
(8.9M)
(6.9M)
(10.1M)
68.5M
59.3M
55.9M
38.8M
22.7M
17.2M
19.1M
11.9M
7M
4.6M
1.8M
757.4K
PRE-TAX INCOME
(17.9M)
(13.4M)
(8.1M)
(1.6M)
(828K)
(1.2M)
(2.5M)
(1.2M)
(538K)
(511K)
(457K)
(0.0)
121.5M
99.9M
83.8M
59.3M
43.7M
37.4M
34.1M
27.7M
19.9M
15.7M
12M
0.0
(25.5M)
(18.5M)
(18M)
(14.2M)
(11.7M)
(10.8M)
(9.5M)
(8.5M)
(6.6M)
(5.7M)
(5.2M)
(0.0)
-2.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-306K
65.6M
59.3M
55.9M
38.8M
22.7M
17.2M
19.1M
11.9M
7M
4.6M
1.8M
451.4K
NET INCOME
(14.8M)
(15.6M)
(14.9M)
(10.3M)
(4.8M)
(4.5M)
(5M)
(3.2M)
(3.4M)
(1.8M)
(664K)
(410.6K)
50.9M
43.7M
41M
28.5M
17.9M
12.6M
14.1M
8.7M
3.6M
2.8M
1.2M
40.8K

SEC Filings

ESQ - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 28, 2026
May 28, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
S-4/A

S-4/A (Amended)

N/A

May 04, 2026
May 04, 2026
 
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 30, 2026
May 28, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
S-4

S-4

N/A

April 15, 2026
April 15, 2026
 
8-K

8-K 2026

N/A

April 02, 2026
March 31, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 12, 2026
March 11, 2026
2026
Showing 1 to 10 of 150 filings