Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc.

ESQยทNASDAQ

$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+70.0%
5Y+153.0%
10Y+457.0%
3Y+68.0%
5Y+156.0%
10Y+457.0%
3Y+83.0%
5Y+130.0%
10Y+455.0%
esq

Esquire Financial Holdings, Inc. Funding & Solvency Profile

ESQ ยท NASDAQ
Cash & Cash Equivalents235.89M
Net Receivables12.64M
Inventory0.00
Other Current Assets-12.64M
Total Current Assets482 M
Property, Plant & Equipment4.38M
Goodwill & Intangible Assets0.00
Long-Term Investments1.79B
Other Non-Current Assets-1.81B
Total Non-Current Assets-6738000
Total Assets
2.37B

Financial Health Analysis

Current Ratio

488.25x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

7.17x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

481 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

20% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Esquire Financial Holdings, Inc. Balance Sheet

ESQ โ€ข NASDAQ

Esquire Financial Holdings, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014
ASSETS
CURRENT ASSETS
235.9M
126.3M
165.2M
164.1M
149.2M
65.2M
61.8M
30.6M
43.1M
43M
33.2M
71.9M
246.5M
241.7M
122.1M
109.3M
148.4M
117.7M
146.4M
145.7M
128.8M
92.6M
84.2M
0.0
482.4M
368.1M
287.3M
273.4M
297.5M
182.8M
208.2M
176.3M
171.8M
135.6M
117.4M
71.9M
12.6M
10.1M
9.1M
5.8M
4.2M
4.5M
3.2M
3.9M
2.8M
1.5M
1.4M
0.0
12.6M
10.1M
9.1M
5.8M
4.2M
4.5M
3.2M
3.9M
2.8M
1.5M
1.4M
0.0
-12.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
482.4M
378.2M
296.4M
279.2M
301.7M
187.4M
211.5M
180.1M
174.7M
137.2M
118.8M
71.9M
NON-CURRENT ASSETS
4.4M
2.4M
2.6M
2.7M
3.3M
3M
2.8M
2.7M
2.5M
2.8M
329K
816.1K
0.0
0.0
2.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8B
1.4B
1.3B
1B
775.4M
661M
558.4M
462.5M
344.7M
275.2M
221.7M
0.0
11.1M
13.1M
11.6M
9.6M
2.8M
2.6M
2M
3.1M
2.2M
3.1M
4.3M
0.0
-1.8B
54M
35.5M
90.8M
95.4M
82.7M
23.3M
15.5M
9.4M
6.6M
7.4M
258M
4.4M
1.5B
1.3B
1.1B
877M
749.3M
586.5M
483.8M
358.9M
287.7M
233.8M
258.8M
1.9B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.4B
1.9B
1.6B
1.4B
1.2B
936.7M
798M
663.9M
533.6M
424.8M
352.7M
330.7M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
9.2M
6.6M
6.6M
6.2M
2.6M
1.4M
1.5M
1.2M
983.7K
988K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6B
1.4B
1.2B
1B
804.1M
680.6M
568.4M
448.5M
370.8M
301.7M
0.0
988K
1.6B
1.4B
1.2B
1B
810.6M
686.9M
571M
449.9M
372.3M
302.8M
983.7K
NON-CURRENT LIABILITIES
0.0
0.0
0.0
0.0
0.0
49K
86K
89K
278K
371K
381K
390.5K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
150K
0.0
0.0
0.0
2.1B
13.2M
11M
0.0
0.0
-49K
0.0
0.0
0.0
0.0
0.0
291.8M
2.1B
13.2M
11M
0.0
0.0
0.0
86K
89K
278K
371K
381K
291.2M
1.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1B
1.7B
1.4B
1.2B
1B
810.6M
686.9M
571.1M
450.2M
372.6M
303.2M
292.1M
SHAREHOLDERS' EQUITY
-9.7M
-5.7M
-2.3M
-906K
-567K
-567K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1K
2K
1.6K
87K
85K
84K
82K
81K
78K
77K
75K
73K
50K
49K
40.9K
109.9M
104.1M
99.7M
96.4M
93.6M
91.6M
89.7M
88.5M
86.7M
58.8M
58.5M
48.6M
197.8M
152.9M
114.3M
77.7M
51.5M
33.5M
20.9M
6.8M
-2M
-5.8M
-8.6M
-9.8M
-8.5M
-14.3M
-13.2M
-15.1M
-850K
1.4M
386K
-2.6M
-1.4M
-884K
-434K
-250.1K
289.6M
237.1M
198.6M
158.2M
143.7M
126.1M
111.1M
92.8M
83.4M
52.2M
49.4M
38.5M
289.6M
237.1M
198.6M
158.2M
143.7M
126.1M
111.1M
92.8M
83.4M
52.2M
49.4M
38.5M
SUMMARY
2.4B
1.9B
1.6B
1.4B
1.2B
936.7M
798M
663.9M
533.6M
424.8M
352.7M
330.7M
2B
1.7B
1.4B
1.1B
923.8M
778.7M
704.8M
608.2M
473.5M
367.8M
306M
0.0
2.6M
0.0
0.0
0.0
0.0
49K
86K
89K
278K
371K
381K
390.5K
-233.2M
-126.3M
-165.2M
-164.1M
-149.2M
-65.1M
-61.7M
-30.5M
-42.8M
-42.6M
-32.8M
-71.5M
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560
8,538,560

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
ย 
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
ย 
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