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Financials · ESQ

Esquire Financial Holdings Inc. (ESQ) financials

For the twelve months ended Sep 30, 2026, Esquire Financial Holdings Inc. reported $183.38M of revenue and $56.14M of net income.

Revenue, TTM
$183.38M
Revenue growth, YoY
+30.8%
Net income, TTM
$56.14M
Net income growth, YoY
+14.3%
Net margin
30.6%
Free cash flow, TTM
$63.18M
EPS, diluted, TTM
$6.00
EPS growth, YoY
+5.6%
Cash
$471.50M
Total debt
$7.00M
P/E
28.77
P/S
8.81
Market cap
$1.62B
Annual revenue$146.56M
FY2016FY2025
Annual net income$50.82M
FY2016FY2025
Annual free cash flow$56.68M
FY2016FY2025

ESQ revenue and earnings growth

ESQ revenueQ3 2026$61.39M

Quarter YoY
+63.4%
QoQ
+45.7%
FY YoY
+17.4%
5Y CAGR
+23.0%
10Y CAGR
+25.7%

ESQ revenue was $61.39M in fiscal Q3 2026 (ended Sep 30, 2026), up 63.4% from a year earlier and up 45.7% from the prior quarter. For the full fiscal 2025 it was $146.56M, up 17.4% from fiscal 2024. Compound annual growth was +23.0% over 5 years and +25.7% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

ESQ net incomeQ3 2026$17.48M

Quarter YoY
+24.4%
QoQ
+34.7%
FY YoY
+16.4%
5Y CAGR
+32.1%
10Y CAGR
+45.8%

ESQ net income was $17.48M in fiscal Q3 2026 (ended Sep 30, 2026), up 24.4% from a year earlier and up 34.7% from the prior quarter. For the full fiscal 2025 it was $50.82M, up 16.4% from fiscal 2024. Compound annual growth was +32.1% over 5 years and +45.8% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

ESQ EPSQ3 2026$1.57

Quarter YoY
-3.1%
QoQ
+5.4%
FY YoY
+14.2%
5Y CAGR
+28.9%
10Y CAGR
+37.1%

ESQ diluted EPS was $1.57 in fiscal Q3 2026 (ended Sep 30, 2026), down 3.1% from a year earlier and up 5.4% from the prior quarter. For the full fiscal 2025 it was $5.87, up 14.2% from fiscal 2024. Compound annual growth was +28.9% over 5 years and +37.1% over 10 years.

ESQ free cash flowQ3 2026$13.04M

Quarter YoY
-19.7%
QoQ
-9.1%
FY YoY
+36.6%
5Y CAGR
+30.7%
10Y CAGR
+43.9%

ESQ free cash flow was $13.04M in fiscal Q3 2026 (ended Sep 30, 2026), down 19.7% from a year earlier and down 9.1% from the prior quarter. For the full fiscal 2025 it was $56.68M, up 36.6% from fiscal 2024. Compound annual growth was +30.7% over 5 years and +43.9% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$146.56M$124.82M$113.52M$84.27M$64.73M$52.09M$45.92M$35.59M$25.37M$19.78M
Interest expense--$8.12M$1.65M$828.0K$1.19M$2.55M$1.21M$538.0K$511.0K
Pre-tax income$65.65M$59.28M$55.88M$38.80M$22.71M$17.17M$19.14M$11.92M$7.03M$4.59M
Income tax$14.83M$15.62M$14.87M$10.28M$4.78M$4.55M$5.00M$3.19M$3.39M$1.77M
Net income$50.82M$43.66M$41.01M$28.52M$17.93M$12.62M$14.14M$8.73M$3.64M$2.82M
EPS, basic$6.30$5.58$5.31$3.73$2.40$1.70$1.91$1.18$0.59$0.56
EPS, diluted$5.87$5.14$4.91$3.47$2.26$1.65$1.82$1.13$0.58$0.55
Diluted shares8.7M8.5M8.3M8.2M7.9M7.6M7.8M7.7M6.2M5.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$235.89M$126.33M$165.21M$164.12M$149.16M$65.19M$61.81M$30.56M$43.08M$42.99M
Total assets$2.37B$1.89B$1.62B$1.40B$1.18B$936.71M$798.01M$663.90M$533.56M$424.83M
Total debt$0---------
Total liabilities$2.08B$1.66B$1.42B$1.24B$1.04B$810.64M$686.95M$571.13M$450.17M$372.65M
Shareholders' equity$289.60M$237.09M$198.56M$157.59M$143.74M$126.08M$111.06M$92.77M$83.38M$52.19M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$59.84M$42.21M$42.40M$38.80M$30.08M$15.59M$16.31M$10.11M$3.98M$6.32M
Capital expenditures$3.16M$714.0K$605.0K$73.0K$1.00M$750.0K$647.0K$569.0K$190.0K$2.67M
Free cash flow$56.68M$41.50M$41.80M$38.72M$29.07M$14.84M$15.66M$9.54M$3.79M$3.65M
Investing cash flow-$362.09M-$308.27M-$215.40M-$221.50M-$170.49M-$135.44M-$97.31M-$142.74M-$108.79M-$65.57M
Financing cash flow$411.81M$227.17M$174.09M$197.67M$224.38M$123.23M$112.25M$120.12M$104.90M$69.09M
Dividends paid$5.86M$4.85M$3.72M$2.15M------
Share repurchases--$286.0K--$567.0K----
Depreciation and amortization$1.22M$880.0K$707.0K$703.0K$687.0K$568.0K$506.0K$421.0K$411.0K$411.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY17.4%10.0%34.7%30.2%24.3%13.4%29.0%40.3%28.3%32.4%
Net income growth, YoY16.4%6.5%43.8%59.1%42.1%-10.8%61.9%139.7%29.1%140.8%
EPS growth, YoY14.2%4.7%41.5%53.5%37.0%-9.3%61.1%94.8%5.5%120.0%
Net margin34.7%35.0%36.1%33.8%27.7%24.2%30.8%24.5%14.4%14.3%
Free cash flow margin38.7%33.2%36.8%46.0%44.9%28.5%34.1%26.8%14.9%18.5%
Return on equity17.5%18.4%20.7%18.1%12.5%10.0%12.7%9.4%4.4%5.4%
Return on assets2.1%2.3%2.5%2.0%1.5%1.3%1.8%1.3%0.7%0.7%
Debt to equity0.00---------

Source: XBRL data Esquire Financial Holdings Inc. files with the SEC, latest filing dated Nov 9, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ESQ peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ESQ$183.38M+30.8%$56.14M30.6%$1.62B
RYC$66.61B+16.1%C$20.36B30.6%$282.66B
MUFG¥11.87T+9.5%¥1.73T14.6%$257.53B
TDC$67.78B+18.4%C$20.54B30.3%$202.90B
SAN€55.32B-1.5%€14.10B25.5%$180.35B
SMFG¥4.35T+13.6%¥1.14T26.1%$154.95B
BBVA--€10.51B-$149.88B
HDB₹2.50T+5.2%₹704.79B28.2%$132.41B

ESQ FAQ

8 questions
  • What is ESQ revenue?
    Esquire Financial Holdings Inc. (ESQ) reported $183.38M of revenue for the twelve months ended Sep 30, 2026. That is up 30.8% from the year before. Revenue for fiscal 2025 was $146.56M.
  • Is ESQ profitable?
    Yes. Esquire Financial Holdings Inc. earned $56.14M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.6%.
  • How much cash and debt does ESQ have?
    Esquire Financial Holdings Inc. reported $471.50M in cash and cash equivalents and $7.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is ESQ revenue growing?
    Esquire Financial Holdings Inc.'s revenue changed +17.4% in fiscal 2025, to $146.56M. Its compound annual growth rate was +23.0% over 5 years and +25.7% over 10 years.
  • What is ESQ free cash flow?
    Esquire Financial Holdings Inc. generated $63.18M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $64.02M less capital expenditures.
  • What is ESQ earnings per share?
    Diluted earnings per share were $6.00 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ESQ last report financial results?
    The latest statements here come from Esquire Financial Holdings Inc.'s 10-Q filed on Nov 9, 2026, covering the period ended Sep 30, 2026.
  • Where does this ESQ financial data come from?
    Quantisnow builds these statements from the structured XBRL data Esquire Financial Holdings Inc. files with the SEC. It is provided for information only and is not investment advice.