ESQ

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Esquire Financial Holdings, Inc.

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Key Metrics

Previous Close: $119.92
52-Week Range: $92.10 – $134.82
Market Cap: $1.44B
P/E (TTM): 19.67
EPS (TTM): 6.06
Dividend Yield: 0.67%

Advanced Metrics

Price/Book: 3.15
PEG Ratio: —
Return on Equity: 18.26%
Return on Assets: 2.31%
Gross Margin: 0.00%
Operating Margin: 49.76%
Profit Margin: 35.30%
Current Ratio: —
Debt/Equity: —
Total Debt: $2.17M
Free Cash Flow: —
Revenue Growth: 21.40%
Earnings Growth: 8.00%
Enterprise Value: $1.17B

ESQ Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$84.27M	$113.52M	$124.82M	$146.56M
Selling, General & Admin	$27.79M	$35.10M	$42.30M	$47.05M
Pretax Income	$38.80M	$55.88M	$59.28M	$65.65M
Income Tax	$10.28M	$14.87M	$15.62M	$14.83M
Net Income	$28.52M	$41.01M	$43.66M	$50.82M
Diluted EPS	3.47	4.91	5.14	5.87
Diluted Shares	8.11M	8.35M	8.49M	8.66M

ESQ Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$164.12M	$165.21M	$126.33M	$235.89M
Receivables	$5.77M	$9.13M	$10.12M	$12.64M
Total Assets	$1.40B	$1.62B	$1.89B	$2.37B
Total Liabilities	$1.24B	$1.42B	$1.66B	$2.08B
Retained Earnings	$77.71M	$114.26M	$152.93M	$197.79M
Shareholders' Equity	$158.16M	$198.56M	$237.09M	$289.60M

ESQ Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$38.80M	$42.40M	$42.21M	$59.84M
Capital Expenditure	-$1.24M	-$3.00M	-$3.15M	-$5.58M
Free Cash Flow	$37.56M	$39.40M	$39.06M	$54.26M
Depreciation & Amortisation	$2.55M	$2.54M	$3.29M	$3.68M
Stock-Based Compensation	$2.44M	$3.22M	$3.83M	$4.95M
Investing Cash Flow	-$221.50M	-$215.40M	-$308.27M	-$362.09M
Financing Cash Flow	$197.67M	$174.09M	$227.17M	$411.81M
Dividends Paid	-$2.15M	-$3.72M	-$4.85M	-$5.86M
Share Repurchases	$0.00	-$286.00K	$0.00	$0.00
Net Change in Cash	$14.97M	$1.09M	-$38.88M	$109.56M

ESQ Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$35.83M	$37.57M	$39.40M	$40.46M	$42.13M
Selling, General & Admin	$11.32M	$12.11M	$12.43M	$13.52M	$13.94M
Pretax Income	$15.24M	$17.46M	$17.43M	$17.10M	$18.13M
Income Tax	$3.35M	$3.40M	$3.97M	$4.89M	$5.15M
Net Income	$11.89M	$14.06M	$13.47M	$12.21M	$12.98M
Diluted EPS	1.38	1.62	1.55	1.40	1.49
Diluted Shares	8.64M	8.69M	8.70M	8.70M	8.73M

ESQ Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$162.97M	$240.76M	$235.89M	$222.22M	$242.18M
Receivables	$11.09M	$11.69M	$12.64M	$13.30M	$13.57M
Total Assets	$2.06B	$2.18B	$2.37B	$2.42B	$2.51B
Total Liabilities	$1.80B	$1.91B	$2.08B	$2.12B	$2.20B
Retained Earnings	$173.27M	$185.82M	$197.79M	$208.26M	$219.50M
Shareholders' Equity	$263.56M	$279.23M	$289.60M	$301.27M	$313.85M

ESQ Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$10.49M	$16.75M	$16.79M	$19.51M	$14.52M
Capital Expenditure	-$1.76M	-$1.38M	-$697.00K	-$627.00K	-$553.00K
Free Cash Flow	$8.73M	$15.37M	$16.10M	$18.88M	$13.96M
Depreciation & Amortisation	$915.00K	$939.00K	$921.00K	$991.00K	$1.05M
Stock-Based Compensation	$1.19M	$1.30M	$1.37M	$2.04M	$1.68M
Investing Cash Flow	-$113.83M	-$35.05M	-$199.62M	-$71.19M	-$70.01M
Financing Cash Flow	$93.27M	$96.08M	$177.96M	$38.01M	$75.45M
Dividends Paid	-$1.40M	-$1.42M	-$1.64M	-$1.66M	-$1.67M
Net Change in Cash	-$10.07M	$77.79M	-$4.87M	-$13.67M	$19.96M

Market Snapshot

About

Esquire Financial Holdings, Inc. is a bank holding company headquartered in Jericho, New York, operating through its wholly-owned subsidiary Esquire Bank, National Association. The bank provides specialized financial products and services tailored to the legal industry and small businesses, including commercial banking, retail banking, and payment processing solutions. Esquire Bank serves attorneys, law firms, and their clients with customized deposit accounts, merchant services, and lending products designed for the unique needs of legal professionals. The company leverages its industry expertise and technology platforms to deliver efficient banking services to its niche markets.