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Esquire Financial (ESQ) Financials

Esquire Financial logo
$88.69 -0.76 (-0.85%)
Closing price 05/23/2025 04:00 PM Eastern
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$88.67 -0.02 (-0.02%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Esquire Financial

Annual Income Statements for Esquire Financial

This table shows Esquire Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 44 41 29
Consolidated Net Income / (Loss)		 44 41 29
Net Income / (Loss) Continuing Operations		 44 41 29
Total Pre-Tax Income 		59 56 39
Total Revenue		 125 114 84
Net Interest Income / (Expense)		 100 84 59
Total Interest Income		 113 92 61
Loans and Leases Interest Income		 98 81 54
Investment Securities Interest Income		 8.64 6.55 5.41
Deposits and Money Market Investments Interest Income		 6.28 4.15 1.57
Total Interest Expense		 13 8.12 1.65
Deposits Interest Expense		 13 8.11 1.64
Long-Term Debt Interest Expense		 0.00 0.00 0.00
Total Non-Interest Income		 25 30 25
Service Charges on Deposit Accounts		 2.74 2.47 2.53
Other Service Charges		 22 23 22
Net Realized & Unrealized Capital Gains on Investments		 0.00 4.01 -0.09
Provision for Credit Losses		 4.70 4.53 3.49
Total Non-Interest Expense		 61 53 42
Salaries and Employee Benefits		 38 32 26
Net Occupancy & Equipment Expense		 11 8.53 7.46
Marketing Expense		 4.48 2.81 2.03
Property & Liability Insurance Claims		 0.94 0.79 0.56
Other Operating Expenses		 6.82 8.51 6.16
Income Tax Expense		 16 15 10
Basic Earnings per Share		 $5.58 $5.31 $3.73
Weighted Average Basic Shares Outstanding		 8.43M 8.28M 8.20M
Diluted Earnings per Share		 $5.14 $4.91 $3.47
Weighted Average Diluted Shares Outstanding		 8.43M 8.28M 8.20M
Weighted Average Basic & Diluted Shares Outstanding		 8.43M 8.28M 8.20M
Cash Dividends to Common per Share		 $0.60 $0.48 $0.28

Quarterly Income Statements for Esquire Financial

This table shows Esquire Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
Consolidated Net Income / (Loss)		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
Net Income / (Loss) Continuing Operations		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
Total Pre-Tax Income 		16 16 14 14 14 13 12 17 12 10
Total Revenue		 33 32 31 29 29 28 27 30 25 22
Net Interest Income / (Expense)		 27 26 24 23 23 22 20 19 18 16
Total Interest Income		 31 29 27 26 26 24 22 20 19 16
Loans and Leases Interest Income		 26 25 24 23 23 21 19 18 17 14
Investment Securities Interest Income		 2.62 2.39 2.02 1.61 1.44 1.40 1.90 1.81 1.74 1.50
Deposits and Money Market Investments Interest Income		 2.43 1.62 1.15 1.08 1.10 1.10 1.01 0.94 0.81 0.40
Total Interest Expense		 3.90 3.27 3.06 3.21 2.90 2.18 1.97 1.08 0.71 0.41
Deposits Interest Expense		 3.90 3.27 3.06 3.21 2.90 2.18 1.97 1.08 0.71 0.41
Long-Term Debt Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 6.17 6.06 6.28 6.39 6.27 6.53 6.70 10 6.78 6.43
Service Charges on Deposit Accounts		 0.71 0.66 0.62 0.75 0.58 0.62 0.74 0.53 - 0.89
Other Service Charges		 5.46 5.40 5.66 5.64 5.69 5.92 5.96 5.71 5.05 5.55
Provision for Credit Losses		 1.70 1.00 1.00 1.00 1.50 1.20 1.33 0.50 1.35 0.65
Total Non-Interest Expense		 16 15 15 15 14 14 13 12 11 11
Salaries and Employee Benefits		 9.63 9.53 9.53 9.16 8.76 8.43 7.80 7.48 6.82 6.52
Net Occupancy & Equipment Expense		 2.77 2.67 2.88 2.44 2.27 2.21 2.08 1.96 2.03 1.87
Marketing Expense		 1.06 1.21 1.06 1.15 0.94 0.72 0.57 0.58 0.52 0.66
Property & Liability Insurance Claims		 0.25 0.24 0.23 0.22 0.21 0.26 0.18 0.14 0.16 0.14
Other Operating Expenses		 1.97 1.72 1.54 1.60 1.72 2.13 2.34 2.31 1.85 1.65
Income Tax Expense		 3.92 4.20 3.88 3.63 3.65 3.46 3.37 4.39 3.29 2.78
Basic Earnings per Share		 $1.50 $1.45 $1.34 $1.29 $1.28 $1.27 $1.18 $1.58 $1.19 $1.01
Weighted Average Basic Shares Outstanding		 8.43M 8.32M 8.31M 8.29M 8.28M 8.20M - 8.20M 8.20M 8.15M
Diluted Earnings per Share		 $1.35 $1.34 $1.25 $1.20 $1.17 $1.17 $1.10 $1.47 $1.09 $0.94
Weighted Average Diluted Shares Outstanding		 8.43M 8.32M 8.31M 8.29M 8.28M 8.20M - 8.20M 8.20M 8.15M
Weighted Average Basic & Diluted Shares Outstanding		 8.43M 8.32M 8.31M 8.29M 8.28M 8.20M - 8.20M 8.20M 8.15M

Annual Cash Flow Statements for Esquire Financial

This table details how cash moves in and out of Esquire Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -39 1.09 15
Net Cash From Operating Activities		 42 42 39
Net Cash From Continuing Operating Activities		 42 42 39
Net Income / (Loss) Continuing Operations		 44 41 29
Consolidated Net Income / (Loss)		 44 41 29
Provision For Loan Losses		 4.70 4.53 3.49
Depreciation Expense		 2.72 1.97 2.08
Amortization Expense		 -0.48 -1.29 -1.05
Non-Cash Adjustments to Reconcile Net Income		 3.73 -2.35 2.03
Changes in Operating Assets and Liabilities, net		 -12 -1.46 3.73
Net Cash From Investing Activities		 -308 -215 -222
Net Cash From Continuing Investing Activities		 -308 -215 -222
Purchase of Property, Leasehold Improvements and Equipment		 -3.15 -3.00 -1.24
Purchase of Investment Securities		 -351 -239 -248
Sale and/or Maturity of Investments		 46 26 28
Net Cash From Financing Activities		 227 174 198
Net Cash From Continuing Financing Activities		 227 174 198
Net Change in Deposits		 235 179 200
Issuance of Debt		 -0.00 - -
Repurchase of Common Equity		 0.00 -0.29 0.00
Payment of Dividends		 -4.85 -3.72 -2.15
Other Financing Activities, Net		 -2.92 -0.97 -0.01
Cash Interest Paid		 13 8.13 1.62
Cash Income Taxes Paid		 18 18 8.65

Quarterly Cash Flow Statements for Esquire Financial

This table details how cash moves in and out of Esquire Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -21 -5.07 -5.51 -6.97 45 14 -98 40 -18 27
Net Cash From Operating Activities		 12 11 7.22 13 17 11 0.44 15 8.52 12
Net Cash From Continuing Operating Activities		 12 11 7.22 13 17 11 0.44 15 8.52 12
Net Income / (Loss) Continuing Operations		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
Consolidated Net Income / (Loss)		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
Provision For Loan Losses		 1.70 1.00 1.00 1.00 1.50 1.20 1.33 0.50 1.35 0.65
Depreciation Expense		 0.67 0.63 0.81 0.61 0.50 0.50 0.49 0.48 0.64 0.81
Amortization Expense		 -0.05 -0.19 -0.10 -0.15 -0.24 -0.35 -0.38 -0.32 -0.31 -0.32
Non-Cash Adjustments to Reconcile Net Income		 0.18 1.18 1.18 1.19 -1.48 1.35 0.77 -2.99 -0.49 0.91
Changes in Operating Assets and Liabilities, net		 -2.57 -3.45 -6.16 0.07 6.36 -1.76 -11 4.82 -1.79 2.06
Net Cash From Investing Activities		 -135 -64 -64 -45 -95 -19 -92 -9.98 -66 -16
Net Cash From Continuing Investing Activities		 -135 -64 -64 -45 -95 -19 -92 -9.98 -66 -16
Purchase of Property, Leasehold Improvements and Equipment		 -0.78 -0.78 -0.66 -0.93 -0.79 -0.74 -0.62 -0.85 -0.12 -0.37
Purchase of Investment Securities		 -155 -74 -73 -49 -50 -75 -96 -18 -72 -21
Sale and/or Maturity of Investments		 21 10 9.30 5.03 -44 57 4.91 8.65 5.60 5.46
Net Cash From Financing Activities		 102 49 52 25 123 23 -6.37 35 40 31
Net Cash From Continuing Financing Activities		 102 49 52 25 123 23 -6.37 35 40 31
Net Change in Deposits		 106 50 53 27 125 24 -5.39 36 41 32
Issuance of Debt		 -0.00 - - - - - - - - -
Payment of Dividends		 -1.32 -1.17 -1.17 -1.18 -1.13 -0.85 -0.96 -0.78 -0.77 -0.69
Other Financing Activities, Net		 -2.98 0.19 - -0.13 -0.92 0.05 0.01 -0.11 -0.13 0.01
Cash Interest Paid		 3.88 3.28 3.07 3.21 2.95 2.24 1.88 1.06 0.69 0.41
Cash Income Taxes Paid		 4.65 4.42 8.29 0.65 3.72 3.98 9.72 0.16 2.78 2.90

Annual Balance Sheets for Esquire Financial

This table presents Esquire Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 1,893 1,617 1,396
Cash and Due from Banks		 126 165 164
Trading Account Securities		 313 202 240
Loans and Leases, Net of Allowance		 1,376 1,191 935
Loans and Leases		 1,397 1,207 947
Allowance for Loan and Lease Losses		 21 17 12
Premises and Equipment, Net		 2.44 2.60 2.70
Other Assets		 74 56 54
Total Liabilities & Shareholders' Equity		 1,893 1,617 1,396
Total Liabilities		 1,655 1,418 1,237
Interest Bearing Deposits		 1,642 1,407 1,228
Other Long-Term Liabilities		 13 11 9.25
Total Equity & Noncontrolling Interests		 237 199 158
Total Preferred & Common Equity		 237 199 158
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 237 199 158
Common Stock		 104 100 96
Retained Earnings		 153 114 78
Treasury Stock		 -5.69 -2.27 -0.91
Accumulated Other Comprehensive Income / (Loss)		 -14 -13 -15

Quarterly Balance Sheets for Esquire Financial

This table presents Esquire Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 9/30/2022
Total Assets		 1,782 1,716 1,654 1,482 1,451 1,348
Cash and Due from Banks		 148 153 158 121 106 182
Trading Account Securities		 285 253 220 196 237 245
Loans and Leases, Net of Allowance		 1,278 1,243 1,211 1,098 1,042 864
Loans and Leases		 1,297 1,261 1,228 1,113 1,056 875
Allowance for Loan and Lease Losses		 19 19 18 15 14 11
Premises and Equipment, Net		 2.61 2.81 2.66 2.50 2.50 2.85
Other Assets		 69 65 62 65 63 54
Total Liabilities & Shareholders' Equity		 1,782 1,716 1,654 1,482 1,451 1,348
Total Liabilities		 1,550 1,498 1,447 1,297 1,272 1,199
Interest Bearing Deposits		 1,536 1,487 1,434 1,283 1,259 1,187
Other Long-Term Liabilities		 14 11 13 14 13 12
Total Equity & Noncontrolling Interests		 233 217 207 186 179 149
Total Preferred & Common Equity		 233 217 207 186 179 149
Total Common Equity		 233 217 207 186 179 149
Common Stock		 103 102 101 99 98 96
Retained Earnings		 142 132 123 105 97 69
Treasury Stock		 -2.57 -2.57 -2.57 -1.35 -1.35 -0.63
Accumulated Other Comprehensive Income / (Loss)		 -10 -14 -14 -17 -14 -16

Annual Metrics And Ratios for Esquire Financial

This table displays calculated financial ratios and metrics derived from Esquire Financial's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 9.95% 34.71% 30.19%
EBITDA Growth		 8.75% 42.01% 73.27%
EBIT Growth		 6.08% 44.02% 70.87%
NOPAT Growth		 6.45% 43.81% 59.10%
Net Income Growth		 6.45% 43.81% 59.10%
EPS Growth		 4.68% 41.50% 53.54%
Operating Cash Flow Growth		 -0.45% 9.29% 28.98%
Free Cash Flow Firm Growth		 733.71% -95.64% 5,198.87%
Invested Capital Growth		 19.41% 25.54% 10.03%
Revenue Q/Q Growth		 3.41% 3.48% 10.86%
EBITDA Q/Q Growth		 4.23% 1.91% 14.32%
EBIT Q/Q Growth		 3.74% 2.07% 14.25%
NOPAT Q/Q Growth		 4.48% 1.91% 9.12%
Net Income Q/Q Growth		 4.48% 1.91% 9.12%
EPS Q/Q Growth		 3.63% 1.66% 7.76%
Operating Cash Flow Q/Q Growth		 -10.28% 23.27% 2.99%
Free Cash Flow Firm Q/Q Growth		 198.99% -80.64% -4.62%
Invested Capital Q/Q Growth		 1.95% 6.97% 6.48%
Profitability Metrics		 - - -
EBITDA Margin		 49.28% 49.82% 47.26%
EBIT Margin		 47.49% 49.22% 46.04%
Profit (Net Income) Margin		 34.98% 36.13% 33.84%
Tax Burden Percent		 73.65% 73.39% 73.50%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 26.35% 26.61% 26.50%
Return on Invested Capital (ROIC)		 20.04% 22.99% 18.89%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 2.35% 0.34% 9.34%
Operating Return on Assets (OROA)		 3.38% 3.71% 3.01%
Return on Assets (ROA)		 2.49% 2.72% 2.22%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 18.41% 20.65% 18.03%
Net Operating Profit after Tax (NOPAT)		 44 41 29
NOPAT Margin		 34.98% 36.13% 33.84%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.52% 38.60% 41.84%
Operating Expenses to Revenue		 48.74% 46.79% 49.82%
Earnings before Interest and Taxes (EBIT)		 59 56 39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 62 57 40
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 2.78 2.04 2.18
Price to Tangible Book Value (P/TBV)		 2.78 2.04 2.18
Price to Revenue (P/Rev)		 5.29 3.56 4.09
Price to Earnings (P/E)		 15.12 9.86 12.07
Dividend Yield		 0.76% 0.96% 0.66%
Earnings Yield		 6.61% 10.14% 8.28%
Enterprise Value to Invested Capital (EV/IC)		 2.25 1.21 1.14
Enterprise Value to Revenue (EV/Rev)		 4.28 2.11 2.14
Enterprise Value to EBITDA (EV/EBITDA)		 8.68 4.23 4.52
Enterprise Value to EBIT (EV/EBIT)		 9.01 4.28 4.64
Enterprise Value to NOPAT (EV/NOPAT)		 12.23 5.84 6.32
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.65 5.65 4.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 104.29 389.84 12.78
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00
Leverage Ratio		 8.06 8.45 8.53
Compound Leverage Factor		 8.06 8.45 8.53
Debt to Total Capital		 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 5.12 0.61 14
Operating Cash Flow to CapEx		 1,340.49% 1,411.48% 3,138.92%
Free Cash Flow to Firm to Interest Expense		 0.38 0.08 8.56
Operating Cash Flow to Interest Expense		 3.14 5.23 23.56
Operating Cash Flow Less CapEx to Interest Expense		 2.91 4.85 22.81
Efficiency Ratios		 - - -
Asset Turnover		 0.07 0.08 0.07
Fixed Asset Turnover		 49.55 42.79 27.91
Capital & Investment Metrics		 - - -
Invested Capital		 237 199 158
Invested Capital Turnover		 0.57 0.64 0.56
Increase / (Decrease) in Invested Capital		 39 40 14
Enterprise Value (EV)		 534 239 180
Market Capitalization		 660 405 344
Book Value per Share		 $28.49 $24.20 $19.41
Tangible Book Value per Share		 $28.49 $24.20 $19.41
Total Capital		 237 199 158
Total Debt		 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -126 -165 -164
Capital Expenditures (CapEx)		 3.15 3.00 1.24
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 2.23 0.68 1.03
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $5.58 $5.31 $3.73
Adjusted Weighted Average Basic Shares Outstanding		 8.43M 8.28M 8.20M
Adjusted Diluted Earnings per Share		 $5.14 $4.91 $3.47
Adjusted Weighted Average Diluted Shares Outstanding		 8.43M 8.28M 8.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.43M 8.28M 8.20M
Normalized Net Operating Profit after Tax (NOPAT)		 44 41 29
Normalized NOPAT Margin		 34.98% 36.13% 33.84%
Pre Tax Income Margin		 47.49% 49.22% 46.04%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 4.41 6.89 23.56
NOPAT to Interest Expense		 3.25 5.05 17.32
EBIT Less CapEx to Interest Expense		 4.18 6.52 22.81
NOPAT Less CapEx to Interest Expense		 3.01 4.68 16.56
Payout Ratios		 - - -
Dividend Payout Ratio		 11.10% 9.07% 7.54%
Augmented Payout Ratio		 11.10% 9.77% 7.54%

Quarterly Metrics And Ratios for Esquire Financial

This table displays calculated financial ratios and metrics derived from Esquire Financial's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 14.23% 12.98% 14.24% -1.01% 15.18% 28.55% 34.71% 70.93% 48.93% 35.61%
EBITDA Growth		 18.12% 19.02% 19.72% -15.47% 8.34% 22.45% 43.36% 128.10% 64.40% 240.78%
EBIT Growth		 15.77% 17.06% 15.08% -17.42% 9.14% 26.72% 44.46% 127.99% 64.01% 204.00%
NOPAT Growth		 18.93% 15.48% 15.08% -17.42% 8.43% 27.57% 43.49% 127.99% 35.42% 206.11%
Net Income Growth		 18.93% 15.48% 15.08% -17.42% 8.43% 27.57% 43.49% 127.99% 35.42% 206.11%
EPS Growth		 15.38% 14.53% 13.64% -18.37% 7.34% 24.47% 41.03% 122.73% 29.76% 193.75%
Operating Cash Flow Growth		 -29.28% -2.22% 1,551.72% -12.90% 93.98% -8.88% -94.02% 31.63% 15.26% 85.72%
Free Cash Flow Firm Growth		 12.22% -30.71% -233.81% 22.40% -474.78% -646.98% 3,531.87% -167.44% 51.42% 71.14%
Invested Capital Growth		 19.41% 25.30% 0.00% 15.75% 25.54% 24.96% 0.00% 24.77% 10.03% 8.28%
Revenue Q/Q Growth		 3.56% 4.32% 4.60% 1.09% 2.42% 5.48% -9.36% 17.63% 14.30% 10.55%
EBITDA Q/Q Growth		 1.82% 6.16% 6.58% 2.52% 2.60% 6.79% -24.75% 31.40% 15.97% 25.03%
EBIT Q/Q Growth		 0.69% 8.33% 4.98% 1.10% 1.81% 6.50% -24.67% 33.62% 18.21% 21.41%
NOPAT Q/Q Growth		 3.46% 8.32% 4.27% 1.78% 0.46% 7.94% -25.17% 33.63% 18.19% 21.41%
Net Income Q/Q Growth		 3.46% 8.32% 4.27% 1.78% 0.46% 7.94% -25.17% 33.63% 18.19% 21.41%
EPS Q/Q Growth		 0.75% 7.20% 4.17% 2.56% 0.00% 6.36% -25.17% 34.86% 15.96% 20.51%
Operating Cash Flow Q/Q Growth		 10.95% 45.91% -43.51% -22.67% 53.40% 2,364.76% -97.02% 72.22% -27.94% 61.64%
Free Cash Flow Firm Q/Q Growth		 24.75% 82.80% -1,042.34% 40.64% -12.04% -117.61% 762.50% -339.67% -45.61% 19.09%
Invested Capital Q/Q Growth		 1.95% 6.97% 4.99% 4.29% 6.97% 0.00% -100.00% 13.12% 6.48% 2.07%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 49.29% 50.13% 49.26% 48.35% 47.67% 47.59% 47.01% 56.62% 50.68% 49.96%
EBIT Margin		 47.41% 48.75% 46.95% 46.78% 46.78% 47.05% 46.61% 56.07% 49.36% 47.73%
Profit (Net Income) Margin		 35.56% 35.59% 34.27% 34.38% 34.15% 34.82% 34.02% 41.21% 36.28% 35.08%
Tax Burden Percent		 75.00% 73.00% 73.00% 73.50% 73.01% 74.00% 73.00% 73.50% 73.49% 73.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.00% 27.00% 27.00% 26.50% 26.99% 26.00% 27.00% 26.50% 26.51% 26.50%
Return on Invested Capital (ROIC)		 20.38% 20.55% 36.90% 20.17% 21.74% 22.86% 0.00% 24.69% 20.25% 18.67%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 2.35% -2.47% -162.96% 5.55% 0.34% 1.90% 0.00% -0.10% 9.34% 10.34%
Operating Return on Assets (OROA)		 3.37% 3.60% 3.20% 3.41% 3.53% 3.65% 0.00% 4.02% 3.23% 2.94%
Return on Assets (ROA)		 2.53% 2.63% 2.34% 2.51% 2.57% 2.70% 0.00% 2.95% 2.38% 2.16%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 17.97% 18.52% 18.78% 0.00% 21.68% 0.00% 19.76% 0.00% 17.59%
Net Operating Profit after Tax (NOPAT)		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
NOPAT Margin		 35.56% 35.59% 34.27% 34.38% 34.15% 34.82% 34.02% 41.21% 36.28% 35.08%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 40.72% 42.00% 44.00% 43.58% 41.39% 40.23% 39.03% 33.92% 37.29% 41.15%
Operating Expenses to Revenue		 47.45% 48.11% 49.78% 49.80% 48.04% 48.70% 48.45% 42.24% 45.26% 49.31%
Earnings before Interest and Taxes (EBIT)		 16 16 14 14 14 13 12 17 12 10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 16 15 14 14 13 13 17 13 11
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.78 2.33 1.81 1.89 2.04 2.00 0.00 1.76 2.18 2.00
Price to Tangible Book Value (P/TBV)		 2.78 2.33 1.81 1.89 2.04 2.00 0.00 1.76 2.18 2.00
Price to Revenue (P/Rev)		 5.29 4.49 3.36 3.45 3.56 3.38 3.57 3.26 4.09 3.91
Price to Earnings (P/E)		 15.12 12.97 9.78 10.05 9.86 9.20 9.69 8.91 12.07 11.36
Dividend Yield		 0.76% 0.88% 1.16% 1.11% 0.96% 1.00% 0.92% 0.99% 0.66% 0.49%
Earnings Yield		 6.61% 7.71% 10.23% 9.95% 10.14% 10.86% 10.32% 11.22% 8.28% 8.80%
Enterprise Value to Invested Capital (EV/IC)		 2.25 1.70 1.11 1.12 1.21 1.35 0.00 1.17 1.14 0.77
Enterprise Value to Revenue (EV/Rev)		 4.28 3.27 2.06 2.05 2.11 2.28 0.00 2.16 2.14 1.51
Enterprise Value to EBITDA (EV/EBITDA)		 8.68 6.69 4.27 4.31 4.23 4.50 0.00 4.24 4.52 3.29
Enterprise Value to EBIT (EV/EBIT)		 9.01 6.90 4.39 4.39 4.28 4.56 0.00 4.34 4.64 3.38
Enterprise Value to NOPAT (EV/NOPAT)		 12.23 9.44 5.98 5.98 5.84 6.21 0.00 5.91 6.32 4.39
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.65 8.38 5.10 5.74 5.65 7.26 0.00 4.93 4.64 3.05
Enterprise Value to Free Cash Flow (EV/FCFF)		 104.29 0.00 0.00 21.70 389.84 78.77 0.00 0.00 12.78 7.77
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 8.06 7.81 7.89 8.04 8.45 8.47 0.00 8.36 8.53 8.65
Compound Leverage Factor		 8.06 7.81 7.89 8.04 8.45 8.47 0.00 8.36 8.53 8.65
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 0.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -27 -36 -207 -18 -31 -27 155 -23 -5.31 -3.65
Operating Cash Flow to CapEx		 1,501.93% 1,348.53% 1,087.05% 1,379.81% 2,086.24% 1,451.62% 70.14% 1,732.00% 7,218.64% 3,203.52%
Free Cash Flow to Firm to Interest Expense		 -6.87 -10.88 -67.56 -5.64 -10.53 -12.52 78.66 -21.69 -7.44 -8.83
Operating Cash Flow to Interest Expense		 3.00 3.22 2.36 3.98 5.70 4.95 0.22 13.63 11.93 28.62
Operating Cash Flow Less CapEx to Interest Expense		 2.80 2.98 2.14 3.69 5.43 4.61 -0.09 12.85 11.76 27.73
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.07 0.07 0.07 0.07 0.08 0.08 0.00 0.07 0.07 0.06
Fixed Asset Turnover		 49.55 47.21 41.67 43.87 42.79 40.97 0.00 34.09 27.91 24.15
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 237 233 217 207 199 186 0.00 179 158 149
Invested Capital Turnover		 0.57 0.58 1.08 0.59 0.64 0.66 0.00 0.60 0.56 0.53
Increase / (Decrease) in Invested Capital		 39 47 217 28 40 37 -146 36 14 11
Enterprise Value (EV)		 534 395 241 233 239 250 0.00 209 180 115
Market Capitalization		 660 542 394 391 405 370 369 315 344 297
Book Value per Share		 $28.49 $27.97 $26.22 $25.00 $24.20 $22.63 $0.00 $21.82 $19.41 $18.38
Tangible Book Value per Share		 $28.49 $27.97 $26.22 $25.00 $24.20 $22.63 $0.00 $21.82 $19.41 $18.38
Total Capital		 237 233 217 207 199 186 0.00 179 158 149
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -126 -148 -153 -158 -165 -121 0.00 -106 -164 -182
Capital Expenditures (CapEx)		 0.78 0.78 0.66 0.93 0.79 0.74 0.62 0.85 0.12 0.37
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.62 0.44 0.71 0.46 0.26 0.15 0.11 0.16 0.33 0.49
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.50 $1.45 $1.34 $1.29 $1.28 $1.27 $0.00 $0.00 $1.19 $1.01
Adjusted Weighted Average Basic Shares Outstanding		 8.43M 8.32M 8.31M 8.29M 8.28M 8.20M 0.00 0.00 8.20M 8.15M
Adjusted Diluted Earnings per Share		 $1.35 $1.34 $1.25 $1.20 $1.17 $1.17 $0.00 $0.00 $1.09 $0.94
Adjusted Weighted Average Diluted Shares Outstanding		 8.43M 8.32M 8.31M 8.29M 8.28M 8.20M 0.00 0.00 8.20M 8.15M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.43M 8.32M 8.31M 8.29M 8.28M 8.20M 0.00 0.00 8.20M 8.15M
Normalized Net Operating Profit after Tax (NOPAT)		 12 11 10 10 9.88 9.84 9.11 12 9.11 7.71
Normalized NOPAT Margin		 35.56% 35.59% 34.27% 34.38% 34.15% 34.82% 34.02% 41.21% 36.28% 35.08%
Pre Tax Income Margin		 47.41% 48.75% 46.95% 46.78% 46.78% 47.05% 46.61% 56.07% 49.36% 47.73%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.02 4.75 4.69 4.26 4.67 6.11 6.35 15.40 17.37 25.40
NOPAT to Interest Expense		 3.02 3.47 3.42 3.13 3.41 4.52 4.64 11.32 12.76 18.67
EBIT Less CapEx to Interest Expense		 3.82 4.52 4.47 3.97 4.40 5.77 6.03 14.61 17.20 24.51
NOPAT Less CapEx to Interest Expense		 2.82 3.23 3.21 2.84 3.14 4.18 4.32 10.53 12.60 17.78
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 11.10% 11.15% 10.76% 10.61% 9.07% 8.35% 8.40% 8.27% 7.54% 5.26%
Augmented Payout Ratio		 11.10% 11.15% 10.76% 10.66% 9.77% 9.06% 9.15% 9.03% 7.54% 5.26%

Frequently Asked Questions About Esquire Financial's Financials

When does Esquire Financial's fiscal year end?

According to the most recent income statement we have on file, Esquire Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Esquire Financial's net income changed over the last 2 years?

Esquire Financial's net income appears to be on an upward trend, with a most recent value of $43.66 million in 2024, rising from $28.52 million in 2022. The previous period was $41.01 million in 2023. See Esquire Financial's forecast for analyst expectations on what’s next for the company.

How has Esquire Financial revenue changed over the last 2 years?

Over the last 2 years, Esquire Financial's total revenue changed from $84.27 million in 2022 to $124.82 million in 2024, a change of 48.1%.

How much debt does Esquire Financial have?

Esquire Financial's total liabilities were at $1.66 billion at the end of 2024, a 16.7% increase from 2023, and a 33.8% increase since 2022.

How much cash does Esquire Financial have?

In the past 2 years, Esquire Financial's cash and equivalents has ranged from $126.33 million in 2024 to $165.21 million in 2023, and is currently $126.33 million as of their latest financial filing in 2024.

How has Esquire Financial's book value per share changed over the last 2 years?

Over the last 2 years, Esquire Financial's book value per share changed from 19.41 in 2022 to 28.49 in 2024, a change of 46.8%.


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This page (NASDAQ:ESQ) was last updated on 5/25/2025 by MarketBeat.com Staff
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