ESQ · Esquire Financial Holdings, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.22M | $880.0K | $707.0K | $703.0K | $687.0K | $568.0K |
| Operating Income | $65.65M | $59.28M | $55.88M | $38.80M | $22.71M | $17.17M |
| Interest Expense | - | - | $8.12M | $1.65M | $828.0K | $1.19M |
| Income Tax | $14.83M | $15.62M | $14.87M | $10.28M | $4.78M | $4.55M |
| Net Income | $50.82M | $43.66M | $41.01M | $28.52M | $17.93M | $12.62M |
| EPS - Basic | $6.30 | $5.58 | $5.31 | $3.73 | $2.40 | $1.70 |
| EPS - Diluted | $5.87 | $5.14 | $4.91 | $3.47 | $2.26 | $1.65 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $235.89M | $126.33M | $165.21M | $164.12M | $149.16M | $65.19M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.37B | $1.89B | $1.62B | $1.40B | $1.18B | $936.71M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.08B | $1.66B | $1.42B | $1.24B | $1.04B | $810.64M |
| Stockholders' Equity | $289.60M | $237.09M | $198.56M | $158.16M | $143.74M | $126.08M |
| Retained Earnings | $197.79M | $152.93M | $114.26M | $77.71M | $51.46M | $33.53M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $59.84M | $42.21M | $42.40M | $38.80M | $30.08M | $15.59M |
| Investing Cash Flow | ($362.09M) | ($308.27M) | ($215.40M) | ($221.50M) | ($170.49M) | ($135.44M) |
| Financing Cash Flow | $411.81M | $227.17M | $174.09M | $197.67M | $224.38M | $123.23M |
| CapEx | $3.16M | $714.0K | $605.0K | $73.0K | $1.00M | $750.0K |
| Free Cash Flow | $56.68M | $41.50M | $41.80M | $38.72M | $29.07M | $14.84M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.12 | 0.95 | 1.02 | 1.36 | 1.62 | 1.18 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.6% | 26.4% | 26.6% | 26.5% | 21.1% | 26.5% |
| Return on assets | 2.1% | 2.3% | 2.5% | 2.0% | 1.5% | 1.3% |
| Return on equity | 17.5% | 18.4% | 20.7% | 18.0% | 12.5% | 10.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 6.9x | 23.6x | 27.4x | 14.4x |
| Equity multiplier | 8.17 | 7.98 | 8.14 | 8.82 | 8.20 | 7.43 |
| Liabilities / Assets | 0.88 | 0.87 | 0.88 | 0.89 | 0.88 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 17.4x | 15.5x | 10.2x | 12.5x | 13.9x | 11.6x |
| P / B | 3.1x | 2.8x | 2.1x | 2.2x | 1.7x | 1.2x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 9.7x | 9.1x | 4.4x | 4.8x | 4.3x | 4.6x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 10.7% | 6.1% | 44.0% | 70.9% | 32.3% | -10.3% |
| Net income growth (YoY) | 16.4% | 6.5% | 43.8% | 59.1% | 42.1% | -10.8% |
| EPS growth (YoY) | 14.2% | 4.7% | 41.5% | 53.5% | 37.0% | -9.3% |
| EPS CAGR (3y) | 19.2% | 31.5% | 43.8% | 24.0% | 26.0% | 44.2% |
| EPS CAGR (5y) | 28.9% | 23.1% | 34.2% | 44.5% | - | - |
| FCF growth (YoY) | 36.6% | -0.7% | 7.9% | 33.2% | 95.9% | 4.2% |
| FCF CAGR (5y) | 30.7% | 23.8% | 48.7% | 60.3% | - | - |
| Book value growth (YoY) | 22.1% | 19.4% | 25.5% | 10.0% | 14.0% | 13.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2021-12-31.
Product / service
$42.34M totalCredit Card Merchant Discount$20.86M · 49.3%
Payment Processing Income$20.04M · 47.3%
Clearing Service$816.0K · 1.9%
Financial Service Other$434.0K · 1.0%
Deposit Account$168.0K · 0.4%
Administrative Service$29.0K · 0.1%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Commercial Banks, NEC
Comparing Esquire Financial Holdings against the 5 most active filers in the same SIC group.
Dividends
$0.75/share trailing 12 months · +15.4% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.2000 |
| Feb 13, 2026 | $0.2000 |
| Nov 14, 2025 | $0.1750 |
| Aug 15, 2025 | $0.1750 |
| May 15, 2025 | $0.1750 |
| Feb 14, 2025 | $0.1750 |
| Nov 15, 2024 | $0.1500 |
| Aug 15, 2024 | $0.1500 |
| May 14, 2024 | $0.1500 |
| Feb 14, 2024 | $0.1500 |
| Nov 14, 2023 | $0.1250 |
| Aug 14, 2023 | $0.1250 |
| May 12, 2023 | $0.1250 |
| Feb 14, 2023 | $0.1000 |
| Nov 14, 2022 | $0.1000 |
| Aug 12, 2022 | $0.0900 |
| May 13, 2022 | $0.0900 |