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+54.0%
5Y+284.0%
10Y+847.0%
3Y+63.0%
5Y+167.0%
10Y+452.0%
3Y+108.0%
5Y+234.0%
10Y+496.0%
ESQ

Esquire Financial Holdings, Inc. Cash Conversion Engine

ESQ ยท NASDAQ
Net Income50.82M
Depreciation & Amortization1.22M
Stock-Based Compensation4.95M
Change in Working Capital-9.24M
Others12.07M
Capital Expenditures-3.16M
Free Cash Flow56.68M

Cash Flow Quality Analysis

FCF Conversion Rate

111.5%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

5.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+45.1%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$9.24M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Esquire Financial Holdings, Inc. Cash Flow Statement

ESQ โ€ข NASDAQ

Esquire Financial Holdings, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014
OPERATING ACTIVITIES
50.8M
43.7M
41M
28.5M
17.9M
12.6M
14.1M
8.7M
3.6M
2.8M
1.2M
40.8K
1.2M
3.3M
2.5M
2.5M
2.2M
1.6M
1.3M
795K
411K
166K
237K
326.5K
20K
-1.1M
-2.6M
-1.3M
653K
-955K
-116K
0.0
0.0
0.0
0.0
92.5K
5M
3.8M
3.2M
2.4M
2M
1.5M
1.1M
1.5M
554K
388K
138K
72.2K
12.1M
4.6M
-350K
2.9M
6.6M
7M
2.7M
2.3M
1.9M
1.6M
1.6M
1.1M
(0.0)
(18M)
(17.6M)
(8.7M)
(6M)
(6.2M)
(5.1M)
(2.7M)
(2.6M)
(234K)
(95K)
(0.0)
-9.2M
-12.1M
-1.5M
3.7M
697K
-6.2M
-2.8M
-3.2M
-2.6M
1.4M
-1.6M
-935K
59.8M
42.2M
42.4M
38.8M
30.1M
15.6M
16.3M
10.1M
4M
6.3M
1.6M
442.5K
INVESTING ACTIVITIES
-5.6M
-714K
-605K
-73K
-1M
-750K
-647K
-569K
-190K
-2.7M
-85K
-209.2K
-48.3M
-161.7M
-28.8M
-85.8M
-86.8M
-38M
-28.3M
-45.3M
-59M
-30.7M
-25.9M
(0.0)
59.9M
46.2M
26.2M
26.4M
52.2M
67.1M
31.1M
23.4M
21.5M
20.8M
17.5M
0.0
-368.1M
-192M
-212.2M
-162M
-134.8M
-163.8M
-99.5M
-120.3M
-71.1M
-53M
-52.5M
-35.6M
-362.1M
-308.3M
-215.4M
-221.5M
-170.5M
-135.4M
-97.3M
-142.7M
-108.8M
-65.6M
-61M
-35.8M
FINANCING ACTIVITIES
887K
505K
-286K
0.0
0.0
-567K
0.0
0.0
26.3M
1K
9.8M
0.0
-2K
-2K
-2K
-2K
-1K
-37K
-3K
-189K
-93K
-10K
-10K
-88.4K
-5.9M
-4.8M
-3.7M
-2.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-286K
(0.0)
(0.0)
-567K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
416.8M
231.5M
178.1M
199.8M
224.4M
123.8M
112.2M
120.3M
78.6M
69.1M
10.9M
91.8M
411.8M
227.2M
174.1M
197.7M
224.4M
123.2M
112.2M
120.1M
104.9M
69.1M
20.7M
91.7M
CASH FLOW SUMMARY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15.6M
109.6M
-38.9M
1.1M
15M
84M
3.4M
31.2M
-12.5M
84K
9.8M
-38.7M
71.9M
126.3M
165.2M
164.1M
149.2M
65.2M
61.8M
30.6M
43.1M
43M
33.2M
71.9M
0.0
235.9M
126.3M
165.2M
164.1M
149.2M
65.2M
61.8M
30.6M
43.1M
43M
33.2M
71.9M
56.7M
39.1M
39.4M
37.6M
27.1M
12.5M
14.2M
8.9M
3.8M
3.7M
1.5M
233.3K

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