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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $370.0K | - | - | - | $260.0K | - | - | - | $176.0K | - |
| Operating Income | $17.10M | - | $17.46M | $15.24M | $15.51M | - | $15.56M | $14.37M | $13.68M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $3.21M | - |
| Income Tax | $4.89M | - | $3.40M | $3.35M | $4.11M | - | $4.20M | $3.88M | $3.63M | - |
| Net Income | $12.21M | - | $14.06M | $11.89M | $11.41M | - | $11.36M | $10.49M | $10.06M | - |
| EPS - Basic | $1.48 | - | $1.74 | $1.48 | $1.43 | - | $1.45 | $1.34 | $1.29 | - |
| EPS - Diluted | $1.40 | - | $1.62 | $1.38 | $1.33 | - | $1.34 | $1.25 | $1.20 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $222.22M | $235.89M | $240.76M | $162.97M | $173.04M | $126.33M | $147.66M | $152.73M | $158.24M | $165.21M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.42B | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B | $1.65B | $1.62B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.12B | $2.08B | $1.91B | $1.80B | $1.70B | $1.66B | $1.55B | $1.50B | $1.45B | $1.42B |
| Stockholders' Equity | $301.27M | $289.60M | $279.23M | $263.56M | $250.72M | $237.09M | $232.57M | $217.41M | $207.08M | $198.56M |
| Retained Earnings | $208.26M | $197.79M | $185.82M | $173.27M | $162.86M | $152.93M | $142.43M | $132.32M | $123.08M | $114.26M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $19.51M | - | - | - | $15.81M | - | - | - | $12.78M | - |
| Investing Cash Flow | ($71.19M) | - | - | - | ($13.59M) | - | - | - | ($45.18M) | - |
| Financing Cash Flow | $38.01M | - | - | - | $44.49M | - | - | - | $25.44M | - |
| CapEx | $180.0K | - | - | - | $1.15M | - | - | - | $235.0K | - |
| Free Cash Flow | $19.33M | - | - | - | $14.66M | - | - | - | $12.54M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.58 | - | - | - | 1.29 | - | - | - | 1.25 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 28.6% | - | 19.5% | 22.0% | 26.5% | - | 27.0% | 27.0% | 26.5% | - |
| Return on assets | 0.5% | - | 0.6% | 0.6% | 0.6% | - | 0.6% | 0.6% | 0.6% | - |
| Return on equity | 4.1% | - | 5.0% | 4.5% | 4.5% | - | 4.9% | 4.8% | 4.9% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 4.3x | - |
| Equity multiplier | 8.04 | 8.17 | 7.82 | 7.82 | 7.80 | 7.98 | 7.66 | 7.89 | 7.99 | 8.14 |
| Liabilities / Assets | 0.88 | 0.88 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 76.8x | - | 63.0x | 68.6x | 56.7x | - | 48.7x | 38.1x | 39.6x | - |
| P / B | 3.1x | - | 3.2x | 3.1x | 2.6x | - | 2.4x | 1.8x | 1.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 40.8x | - | - | - | 30.1x | - | - | - | 17.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 10.3% | - | 12.2% | 6.1% | 13.4% | - | 17.1% | - | 9.6% | - |
| Net income growth (YoY) | 7.0% | - | 23.7% | 13.4% | 13.4% | - | 15.5% | - | 10.4% | - |
| EPS growth (YoY) | 5.3% | - | 20.9% | 10.4% | 10.8% | - | 14.5% | - | 9.1% | - |
| EPS CAGR (3y) | 8.4% | - | 19.9% | 20.9% | 26.3% | - | 61.2% | 29.9% | 31.3% | - |
| EPS CAGR (5y) | 21.4% | - | 27.5% | 33.1% | 32.2% | - | 22.3% | 22.7% | 25.2% | - |
| FCF growth (YoY) | 31.9% | - | - | - | 16.9% | - | - | - | -14.1% | - |
| FCF CAGR (5y) | 7.9% | - | - | - | 15.5% | - | - | - | 41.2% | - |
| Book value growth (YoY) | 20.2% | 22.1% | 20.1% | 21.2% | 21.1% | 19.4% | 25.3% | - | 15.7% | 25.5% |
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%
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 |