Esquire Financial Holdings, Inc. (ESQ) Earnings History
Annual and quarterly earnings data from 2014 to 2025
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ESQ EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ESQ Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 85.0% | 41.7% | 30.9% |
| 2024 | 86.9% | 42.9% | 31.6% |
| 2023 | 89.6% | 45.9% | 33.7% |
| 2022 | 94.0% | 45.2% | 33.2% |
| 2021 | 88.1% | 34.6% | 27.3% |
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Esquire Financial Holdings, Inc. (ESQ) Earnings Overview
As of May 8, 2026, Esquire Financial Holdings, Inc. (ESQ) reported trailing twelve-month net income of $51M, reflecting +14.4% year-over-year growth. The company earned $5.84 per diluted share over the past four quarters, with a net profit margin of 30.9%.
Looking at the long-term picture, ESQ's 5-year EPS compound annual growth rate (CAGR) stands at +28.9%, indicating exceptional earnings growth. The company achieved its highest annual net income of $51M in fiscal 2025, representing a new all-time high.
Esquire Financial Holdings, Inc. maintains industry-leading profitability with a gross margin of 85.0%, operating margin of 41.7%, and net margin of 30.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MNSB ($16M net income, 11.5% margin), CHMG ($15M net income, 10.8% margin), CZWI ($14M net income, 16.0% margin), ESQ has outperformed on profitability metrics. Compare ESQ vs MNSB →
ESQ Earnings vs Peers
Earnings metrics vs comparable public companies
ESQ Historical Earnings Data (2014–2025)
12 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $51M | +16.5% | $69M | $5.88 | 30.9% | 41.7% |
| 2024 | $44M | +6.5% | $59M | $5.14 | 31.6% | 42.9% |
| 2023 | $41M | +43.8% | $56M | $4.91 | 33.7% | 45.9% |
| 2022 | $29M | +59.1% | $39M | $3.47 | 33.2% | 45.2% |
| 2021 | $18M | +42.1% | $23M | $2.26 | 27.3% | 34.6% |
| 2020 | $13M | -10.8% | $17M | $1.65 | 23.7% | 32.2% |
| 2019 | $14M | +61.9% | $19M | $1.82 | 29.2% | 39.5% |
| 2018 | $9M | +139.7% | $12M | $1.13 | 23.7% | 32.4% |
| 2017 | $4M | +29.1% | $7M | $0.58 | 14.1% | 27.1% |
| 2016 | $3M | +140.8% | $5M | $0.55 | 13.9% | 22.6% |
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Start ComparisonESQ — Frequently Asked Questions
Quick answers to the most common questions about buying ESQ stock.
Is ESQ growing earnings?
ESQ EPS stands at $5.84, with +14.4% growth matching the 5-year CAGR of +28.9%. TTM net income is $51M. Earnings trajectory remains consistent.
What are ESQ's profit margins?
Esquire Financial Holdings, Inc. net margin is +30.9%, with operating margin at +41.7%. Above-average margins indicate pricing power.
How consistent are ESQ's earnings?
ESQ earnings data spans 2014-2025. The current earnings trend is +14.4% YoY. Historical data enables comparison across business cycles.