Esquire Financial Holdings, Inc. (ESQ) Earnings History
Elite Compounder12 years of earnings data (2014–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Esquire Financial Holdings, Inc. (ESQ) Earnings Overview
As of June 28, 2026, Esquire Financial Holdings, Inc. (ESQ) reported trailing twelve-month net income of $52M, reflecting +14.4% year-over-year growth. The company earned $5.94 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 ($17M net income, 11.5% margin), CHMG ($18M net income, 10.8% margin), CZWI ($15M 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% |
| 2015 | $1M | +2772.2% | $2M | $0.22 | 7.6% | 11.9% |
| 2014 | $40,805 | - | $757,370 | $0.01 | 0.3% | 6.5% |
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ESQ — Frequently Asked Questions
Quick answers to the most common questions about buying ESQ stock.
What is ESQ earnings per share (EPS)?
ESQ trailing twelve-month (TTM) diluted EPS is $5.94, reflecting +14.4% year-over-year growth. The 5-year EPS CAGR is +28.9%. Complete EPS history from 2014 to 2025 is available in the table on this page.
What is Esquire Financial Holdings, Inc.'s net income?
Esquire Financial Holdings, Inc. (ESQ) trailing twelve-month net income is $52M as of 2025. Earnings grew +14.4% year-over-year. Esquire Financial Holdings, Inc. has been profitable for 12 consecutive years.
Is ESQ profitable?
Yes, ESQ is profitable with a TTM net income of $52M and a net profit margin of +30.9%. Esquire Financial Holdings, Inc. has generated profits for 12 consecutive years.
What is ESQ's earnings growth rate?
ESQ compound annual EPS growth rates (CAGR): 1-Year: +14.4%, 3-Year: +19.2%, 5-Year: +28.9%, 10-Year: +38.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2014 to 2025.
What are ESQ's profit margins?
Esquire Financial Holdings, Inc. net profit margin is +30.9%, operating margin is +41.7%, and gross margin is +85.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +19.3%.
Is ESQ growing earnings?
ESQ is growing earnings steadily. YoY EPS growth of +14.4% is consistent with the 5-year CAGR of +28.9%. TTM net income is $52M.
What was ESQ's best earnings year?
Esquire Financial Holdings, Inc.'s highest annual net income on record is $51M, achieved in fiscal year 2025. Earnings history on this page spans 2014 to 2025 and includes all annual and quarterly figures.
What were ESQ's earnings last quarter?
ESQ's most recent reported quarter was Q1 2026. Net income was $12M with diluted EPS of $1.40. For a full breakdown of all quarters, see the quarterly earnings table on this page.