Esquire Financial Holdings, Inc.
ESQ Nasdaq· Commercial Banks, Nec
Last close · Oct 27, 2026
$129.70
KIRA · Stoqly’s AI analyst, in plain words
- Esquire Financial Holdings, Inc. had $147M of revenue in fiscal 2025, up 17.4% on the year before. Over five years, revenue changed +23.0% a year on average.
- Esquire Financial Holdings, Inc. made $50.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 30.1% a year.
- Esquire Financial Holdings, Inc. returned $5.9M to shareholders in fiscal 2025, 10% of free cash flow. The diluted share count rose 2.1%.
- It earned 19.3% on shareholders’ money. Running costs took 48.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.1B
P/E
21.4x
Revenue
$147M
Net income
$50.8M
Return on equity
19.3%
Efficiency ratio
48.6%
Esquire Financial Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+17.4%
Yes. Sales grew 17.4% last year.
Does it make a profit?
34.7%
Yes. It keeps 34.7% of every sale as profit.
How lean are its costs?
48.6%
Lean. Running costs take 48.6% of revenue.
How much does it earn on its capital?
19.3%
Good. It earns 19.3% a year on shareholders’ money.
How is the share priced?
21.4x
One share costs 21.4 times its yearly profit per share.
What Esquire Financial Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- Esquire Financial Holdings, Inc.
- CIK
- 0001531031
Esquire Financial Holdings, Inc. · ESQ
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $64.7M | $84.3M | $114M | $125M | $147M |
| Revenue growth | 24.3% | 30.2% | 34.7% | 10.0% | 17.4% |
| Net interest income | $43.7M | $59.3M | $83.8M | $99.9M | $121M |
| Net income | $17.9M | $28.5M | $41.0M | $43.7M | $50.8M |
| Net margin | 27.7% | 33.8% | 36.1% | 35.0% | 34.7% |
| Diluted EPS | $2.26 | $3.47 | $4.91 | $5.14 | $5.87 |
| Cash | |||||
| Cash from operations | $30.1M | $38.8M | $42.4M | $42.2M | $59.8M |
| Capital expenditure | $1.0M | $0.1M | $0.6M | $0.7M | $3.2M |
| Free cash flow | $29.1M | $38.7M | $41.8M | $41.5M | $56.7M |
| FCF margin | 44.9% | 46.0% | 36.8% | 33.2% | 38.7% |
| Dividends paid | — | $2.1M | $3.7M | $4.8M | $5.9M |
| Share buybacks | — | — | $0.3M | — | — |
| Share count change | 4.0% | 3.4% | 1.6% | 1.7% | 2.1% |
| Debt and strength | |||||
| Cash and short-term investments | $149M | $164M | $165M | $126M | $236M |
| Loans, net | $775M | $935M | — | — | — |
| Deposits | $1.0B | $1.2B | $1.4B | $1.6B | $2.1B |
| Shareholders' equity | $144M | $158M | $199M | $237M | $290M |
| Returns and quality | |||||
| Return on equity | 13.3% | 18.9% | 23.0% | 20.0% | 19.3% |
| Return on tangible equity | 12.5% | 18.1% | 20.7% | 18.4% | 17.5% |
| Efficiency ratio | 54.2% | 49.8% | 46.8% | 48.7% | 48.6% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$5.0M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Esquire Financial Holdings, Inc. · ESQ
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $129.70 a share, the company is worth $1.1B: 21.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001531031). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.