8-K Announcements
6Material company update
Jun 9, 2026·SEC
Material company update
May 28, 2026·SEC
Material company update
Apr 30, 2026·SEC
Esquire Financial Holdings, Inc.(ESQ)Earnings, Financials & Key Ratios
ESQ•NASDAQ•Banking & Credit
$116.16
19.8× P/E·Price updated Jun 25, 2026
AboutEsquire 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.Show more
- Net Interest Income$121M+21.6%
- Total Revenue$164M+19.0%
- Net Income$51M+16.5%
- Return on Equity19.31%-3.7%
- Net Interest Margin5.14%-2.7%
- Efficiency Ratio43.33%-1.5%
- ROA2.39%-4.0%
- Equity / Assets12.24%-2.3%
- Book Value per Share33.25+19.0%
ESQ Price & Volume
Esquire Financial Holdings, Inc. (ESQ) stock price & volume — 10-year historical chart
Loading chart...
Specialized Legal Lending Drives Consistent Asset Growth
Investment Thesis • Updated 2026Q1
VerdictPositive: The company exhibits a strong PEG ratio of 0.70 and consistent NII growth
Growth:Expanding
Profitability:Strong
Financial Position:Fortress
Cash Flow:Robust
Primary Risk:Legal vertical concentration risk
"Esquire Financial demonstrates a unique ability to scale its specialized legal-vertical loan portfolio, evidenced by asset growth from $1.6 billion in 2023Q4 to $2.4 billion in 2026Q1. While the firm maintains a fortress-like capital position with an equity-to-assets ratio of 0.12, investors should monitor the volatility in loan loss provisioning, which swung from $3.5 million in 2025Q2 to zero in 2026Q1. The bank's ability to maintain a stable 1.4% NIM suggests a resilient funding model, though the concentration in the legal sector warrants ongoing scrutiny regarding credit risk management."
Verdict Logic
though investors should remain cautious of the potential credit risks associated with the recent zero-provisioning policy in 2026Q1.
ESQ Growth Metrics
Esquire Financial Holdings, Inc. (ESQ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years26.73%
5 Years25.29%
3 Years24.17%
TTM-
Profit CAGR
10 Years45.79%
5 Years32.15%
3 Years21.26%
TTM14.78%
EPS CAGR
10 Years38.9%
5 Years28.94%
3 Years19.22%
TTM12.48%
Return on Capital
10 Years17%
5 Years20.79%
3 Years20.47%
Last Year5.24%
ESQ Recent Earnings
Esquire Financial Holdings, Inc. (ESQ) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (67%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.58+3.9%
$1.52
Rev
$40M+2.3%
$40M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$1.55
—
Rev
$44M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.55-0.6%
$1.56
Rev
$39M+3.5%
$38M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.47+0.0%
$1.47
Rev
$38M+22.7%
$31M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.58vs $1.52+3.9% | $40Mvs $40M+2.3% |
| Q2 2026 | Mar 13, 2026 | $1.55 | $44M |
| Q1 2026 | Jan 22, 2026 | $1.55vs $1.56-0.6% | $39Mvs $38M+3.5% |
| Q4 2025 | Oct 23, 2025 | $1.47vs $1.47+0.0% | $38Mvs $31M+22.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Esquire Financial Holdings, Inc. (ESQ)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $116.16 | $1B | 19.76 | 18.97% | 30.91% | 19.31% | 0.58% | |
| $24.29 | $172.88M | 13.80 | -1.44% | 12.96% | 7.98% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $40.14 | $663.47M | 15.15 | 8.75% | 20.72% | 12.04% | — |
Compare ESQ vs Peers
Esquire Financial Holdings, Inc. (ESQ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ESQ SEC Filings & Documents
Esquire Financial Holdings, Inc. (ESQ) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when ESQ posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
ESQ Frequently Asked Questions
Esquire Financial Holdings, Inc. (ESQ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Esquire Financial Holdings, Inc. growing?
Esquire Financial Holdings, Inc. (ESQ) grew revenue by 19.0% over the past year. This is strong growth.
Is ESQ profitable?
Yes, Esquire Financial Holdings, Inc. (ESQ) is profitable, generating $51.7M in net income for fiscal year 2025 (30.9% net margin).
Dividend & Returns
Does ESQ pay dividends?
Yes, Esquire Financial Holdings, Inc. (ESQ) pays a dividend with a yield of 0.58%. This makes it attractive for income-focused investors.
What is ESQ's return on equity?
Esquire Financial Holdings, Inc. (ESQ) has a return on equity (ROE) of 19.3%. This is reasonable for most industries.
Industry Metrics
What is Esquire Financial Holdings, Inc.'s net interest margin?
Esquire Financial Holdings, Inc. (ESQ) has a net interest margin (NIM) of 5.1%. This indicates healthy earnings from lending activities.
What is Esquire Financial Holdings, Inc.'s efficiency ratio?
Esquire Financial Holdings, Inc. (ESQ) has an efficiency ratio of 43.3%. This is excellent, indicating strong cost control.