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Esquire Financial (ESQ) Financials

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$96.40 -0.12 (-0.12%)
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
Consolidated Net Income / (Loss)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
Net Income / (Loss) Continuing Operations		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
Total Pre-Tax Income 		1.84 4.59 7.03 12 19 17 23 39 56 59
Total Revenue		 15 16 20 36 46 52 65 84 114 125
Net Interest Income / (Expense)		 12 16 20 28 34 37 44 59 84 100
Total Interest Income		 12 16 20 29 37 39 45 61 92 113
Loans and Leases Interest Income		 11 14 18 24 32 36 42 54 81 98
Investment Securities Interest Income		 1.75 1.96 2.55 3.95 3.91 2.65 2.79 5.41 6.55 8.64
Deposits and Money Market Investments Interest Income		 0.11 0.13 0.29 0.63 0.96 0.39 0.19 1.57 4.15 6.28
Total Interest Expense		 0.46 0.51 0.54 1.21 2.55 1.19 0.83 1.65 8.12 13
Deposits Interest Expense		 0.43 0.49 0.52 1.18 2.54 1.19 0.83 1.64 8.11 13
Long-Term Debt Interest Expense		 0.03 0.03 0.02 0.03 0.01 0.01 0.00 0.00 0.00 0.00
Total Non-Interest Income		 2.94 4.13 0.00 7.86 12 15 21 25 30 25
Service Charges on Deposit Accounts		 - - - - - - 0.03 2.53 2.47 2.74
Other Service Charges		 2.94 - - - 12 15 21 22 23 22
Net Realized & Unrealized Capital Gains on Investments		 - 0.01 - - - - -0.30 -0.09 4.01 0.00
Provision for Credit Losses		 0.93 0.60 0.91 1.38 1.85 6.25 6.96 3.49 4.53 4.70
Total Non-Interest Expense		 12 15 12 22 25 29 35 42 53 61
Salaries and Employee Benefits		 6.25 8.24 10 13 15 17 22 26 32 38
Net Occupancy & Equipment Expense		 2.60 2.97 3.27 3.63 4.38 5.54 6.48 7.46 8.53 11
Marketing Expense		 0.64 0.75 0.91 0.90 1.07 0.79 1.50 2.03 2.81 4.48
Property & Liability Insurance Claims		 0.25 0.21 0.26 0.32 0.24 0.38 0.45 0.56 0.79 0.94
Other Operating Expenses		 2.44 -1.70 -2.59 4.41 4.57 5.09 4.90 6.16 8.51 6.82
Income Tax Expense		 0.66 1.77 3.39 3.19 5.00 4.55 4.78 10 15 16
Basic Earnings per Share		 $0.25 $0.56 $0.59 $1.18 $1.91 $1.70 $2.40 $3.73 $5.31 $5.58
Weighted Average Basic Shares Outstanding		 - - 7.45M 7.53M - 7.81M 8.09M 8.20M 8.28M 8.43M
Diluted Earnings per Share		 $0.25 $0.55 $0.58 $1.13 $1.82 $1.65 $2.26 $3.47 $4.91 $5.14
Weighted Average Diluted Shares Outstanding		 - - 7.45M 7.53M - 7.81M 8.09M 8.20M 8.28M 8.43M
Weighted Average Basic & Diluted Shares Outstanding		 - - 7.45M 7.53M - 7.81M 8.09M 8.20M 8.28M 8.43M
Cash Dividends to Common per Share		 - - - - - - - $0.28 $0.48 $0.60

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
Consolidated Net Income / (Loss)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
Net Income / (Loss) Continuing Operations		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
Total Pre-Tax Income 		10 12 17 12 13 14 14 14 16 16 16
Total Revenue		 22 25 30 27 28 29 29 31 32 33 34
Net Interest Income / (Expense)		 16 18 19 20 22 23 23 24 26 27 28
Total Interest Income		 16 19 20 22 24 26 26 27 29 31 32
Loans and Leases Interest Income		 14 17 18 19 21 23 23 24 25 26 27
Investment Securities Interest Income		 1.50 1.74 1.81 1.90 1.40 1.44 1.61 2.02 2.39 2.62 3.04
Deposits and Money Market Investments Interest Income		 0.40 0.81 0.94 1.01 1.10 1.10 1.08 1.15 1.62 2.43 1.66
Total Interest Expense		 0.41 0.71 1.08 1.97 2.18 2.90 3.21 3.06 3.27 3.90 3.90
Deposits Interest Expense		 0.41 0.71 1.08 1.97 2.18 2.90 3.21 3.06 3.27 3.90 3.90
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 0.00
Total Non-Interest Income		 6.43 6.78 10 6.70 6.53 6.27 6.39 6.28 6.06 6.17 6.15
Service Charges on Deposit Accounts		 0.89 - 0.53 0.74 0.62 0.58 0.75 0.62 0.66 0.71 0.88
Other Service Charges		 5.55 5.05 5.71 5.96 5.92 5.69 5.64 5.66 5.40 5.46 5.27
Provision for Credit Losses		 0.65 1.35 0.50 1.33 1.20 1.50 1.00 1.00 1.00 1.70 1.50
Total Non-Interest Expense		 11 11 12 13 14 14 15 15 15 16 17
Salaries and Employee Benefits		 6.52 6.82 7.48 7.80 8.43 8.76 9.16 9.53 9.53 9.63 10
Net Occupancy & Equipment Expense		 1.87 2.03 1.96 2.08 2.21 2.27 2.44 2.88 2.67 2.77 3.05
Marketing Expense		 0.66 0.52 0.58 0.57 0.72 0.94 1.15 1.06 1.21 1.06 1.16
Property & Liability Insurance Claims		 0.14 0.16 0.14 0.18 0.26 0.21 0.22 0.23 0.24 0.25 0.27
Other Operating Expenses		 1.65 1.85 2.31 2.34 2.13 1.72 1.60 1.54 1.72 1.97 2.20
Income Tax Expense		 2.78 3.29 4.39 3.37 3.46 3.65 3.63 3.88 4.20 3.92 4.11
Basic Earnings per Share		 $1.01 $1.19 $1.58 $1.18 $1.27 $1.28 $1.29 $1.34 $1.45 $1.50 $1.43
Weighted Average Basic Shares Outstanding		 8.15M 8.20M 8.20M - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M
Diluted Earnings per Share		 $0.94 $1.09 $1.47 $1.10 $1.17 $1.17 $1.20 $1.25 $1.34 $1.35 $1.33
Weighted Average Diluted Shares Outstanding		 8.15M 8.20M 8.20M - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M
Weighted Average Basic & Diluted Shares Outstanding		 8.15M 8.20M 8.20M - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M
Cash Dividends to Common per Share		 $0.09 - $0.10 $0.13 $0.13 - $0.15 $0.15 $0.15 - $0.18

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -39 9.84 0.08 -13 31 3.38 84 15 1.09 -39
Net Cash From Operating Activities		 1.57 6.32 3.98 10 16 16 30 39 42 42
Net Cash From Continuing Operating Activities		 1.57 6.32 3.98 10 16 16 30 39 42 42
Net Income / (Loss) Continuing Operations		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
Consolidated Net Income / (Loss)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
Provision For Loan Losses		 0.93 0.60 0.91 1.38 1.85 6.25 6.96 3.49 4.53 4.70
Depreciation Expense		 0.24 0.17 0.41 0.42 0.51 0.57 1.70 2.08 1.97 2.72
Amortization Expense		 0.65 0.77 1.04 0.92 0.83 0.74 -1.42 -1.05 -1.29 -0.48
Non-Cash Adjustments to Reconcile Net Income		 0.19 2.12 1.60 1.51 1.76 1.64 3.57 2.03 -2.35 3.73
Changes in Operating Assets and Liabilities, net		 -1.61 -0.15 -3.62 -2.85 -2.78 -6.23 1.35 3.73 -1.46 -12
Net Cash From Investing Activities		 -61 -66 -109 -143 -97 -135 -170 -222 -215 -308
Net Cash From Continuing Investing Activities		 -61 -66 -109 -143 -97 -135 -170 -222 -215 -308
Purchase of Property, Leasehold Improvements and Equipment		 -0.09 -2.67 -0.19 -1.25 -2.06 -3.14 -2.94 -1.24 -3.00 -3.15
Purchase of Investment Securities		 -78 -85 -130 -165 -126 -148 -221 -248 -239 -351
Sale and/or Maturity of Investments		 18 22 22 23 31 15 54 28 26 46
Net Cash From Financing Activities		 21 69 105 120 112 123 224 198 174 227
Net Cash From Continuing Financing Activities		 21 69 105 120 112 123 224 198 174 227
Net Change in Deposits		 11 69 78 120 112 123 224 200 179 235
Issuance of Debt		 - - - 0.19 - - -0.00 - - -0.00
Repurchase of Common Equity		 - - - 0.00 0.00 -0.57 0.00 0.00 -0.29 0.00
Payment of Dividends		 - - - - - 0.00 0.00 -2.15 -3.72 -4.85
Other Financing Activities, Net		 - - 0.94 0.38 0.05 0.40 0.03 -0.01 -0.97 -2.92
Cash Interest Paid		 0.46 0.51 0.54 1.20 2.55 1.20 0.83 1.62 8.13 13
Cash Income Taxes Paid		 0.10 0.23 2.63 2.68 5.15 6.25 5.96 8.65 18 18

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 27 -18 40 -98 14 45 -6.97 -5.51 -5.07 -21 47
Net Cash From Operating Activities		 12 8.52 15 0.44 11 17 13 7.22 11 12 16
Net Cash From Continuing Operating Activities		 12 8.52 15 0.44 11 17 13 7.22 11 12 16
Net Income / (Loss) Continuing Operations		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
Consolidated Net Income / (Loss)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
Provision For Loan Losses		 0.65 1.35 0.50 1.33 1.20 1.50 1.00 1.00 1.00 1.70 1.50
Depreciation Expense		 0.81 0.64 0.48 0.49 0.50 0.50 0.61 0.81 0.63 0.67 0.72
Amortization Expense		 -0.32 -0.31 -0.32 -0.38 -0.35 -0.24 -0.15 -0.10 -0.19 -0.05 -0.03
Non-Cash Adjustments to Reconcile Net Income		 0.91 -0.49 -2.99 0.77 1.35 -1.48 1.19 1.18 1.18 0.18 1.40
Changes in Operating Assets and Liabilities, net		 2.06 -1.79 4.82 -11 -1.76 6.36 0.07 -6.16 -3.45 -2.57 0.81
Net Cash From Investing Activities		 -16 -66 -9.98 -92 -19 -95 -45 -64 -64 -135 -14
Net Cash From Continuing Investing Activities		 -16 -66 -9.98 -92 -19 -95 -45 -64 -64 -135 -14
Purchase of Property, Leasehold Improvements and Equipment		 -0.37 -0.12 -0.85 -0.62 -0.74 -0.79 -0.93 -0.66 -0.78 -0.78 -1.75
Purchase of Investment Securities		 -21 -72 -18 -96 -75 -50 -49 -73 -74 -155 -22
Sale and/or Maturity of Investments		 5.46 5.60 8.65 4.91 57 -44 5.03 9.30 10 21 10
Net Cash From Financing Activities		 31 40 35 -6.37 23 123 25 52 49 102 44
Net Cash From Continuing Financing Activities		 31 40 35 -6.37 23 123 25 52 49 102 44
Net Change in Deposits		 32 41 36 -5.39 24 125 27 53 50 106 46
Payment of Dividends		 -0.69 -0.77 -0.78 -0.96 -0.85 -1.13 -1.18 -1.17 -1.17 -1.32 -1.40
Other Financing Activities, Net		 0.01 -0.13 -0.11 0.01 0.05 -0.92 -0.13 - 0.19 -2.98 0.01
Cash Interest Paid		 0.41 0.69 1.06 1.88 2.24 2.95 3.21 3.07 3.28 3.88 3.92
Cash Income Taxes Paid		 2.90 2.78 0.16 9.72 3.98 3.72 0.65 8.29 4.42 4.65 0.90

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 2016 2017 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 425 534 798 937 1,179 1,396 1,617 1,893
Cash and Due from Banks		 - 0.47 62 65 149 164 165 126
Trading Account Securities		 93 131 149 172 201 240 202 313
Loans and Leases, Net of Allowance		 275 345 558 661 775 935 1,191 1,376
Loans and Leases		 279 349 565 672 785 947 1,207 1,397
Allowance for Loan and Lease Losses		 3.41 4.26 6.99 11 9.08 12 17 21
Premises and Equipment, Net		 2.77 2.55 2.84 3.02 3.33 2.70 2.60 2.44
Other Assets		 54 12 26 35 50 54 56 74
Total Liabilities & Shareholders' Equity		 425 534 798 937 1,179 1,396 1,617 1,893
Total Liabilities		 373 450 687 811 1,035 1,237 1,418 1,655
Interest Bearing Deposits		 371 448 681 804 1,028 1,228 1,407 1,642
Other Long-Term Liabilities		 1.49 1.40 6.24 6.58 6.63 9.25 11 13
Total Equity & Noncontrolling Interests		 52 83 111 126 144 158 199 237
Total Preferred & Common Equity		 52 83 111 126 144 158 199 237
Total Common Equity		 52 83 111 126 144 158 199 237
Common Stock		 59 87 90 92 94 96 100 104
Retained Earnings		 -5.83 -1.96 21 34 51 78 114 153
Treasury Stock		 - - 0.00 -0.57 -0.57 -0.91 -2.27 -5.69
Accumulated Other Comprehensive Income / (Loss)		 -0.88 -1.39 0.39 1.41 -0.85 -15 -13 -14

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 Q2 2022 Q3 2022 Q1 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 1,310 1,348 1,451 1,482 1,654 1,716 1,782 1,954
Cash and Due from Banks		 155 182 106 121 158 153 148 173
Trading Account Securities		 251 245 237 196 220 253 285 307
Loans and Leases, Net of Allowance		 849 864 1,042 1,098 1,211 1,243 1,278 1,396
Loans and Leases		 859 875 1,056 1,113 1,228 1,261 1,297 1,416
Allowance for Loan and Lease Losses		 10 11 14 15 18 19 19 19
Premises and Equipment, Net		 3.01 2.85 2.50 2.50 2.66 2.81 2.61 3.33
Other Assets		 52 54 63 65 62 65 69 75
Total Liabilities & Shareholders' Equity		 1,310 1,348 1,451 1,482 1,654 1,716 1,782 1,954
Total Liabilities		 1,164 1,199 1,272 1,297 1,447 1,498 1,550 1,704
Interest Bearing Deposits		 1,155 1,187 1,259 1,283 1,434 1,487 1,536 1,688
Other Long-Term Liabilities		 8.67 12 13 14 13 11 14 16
Total Equity & Noncontrolling Interests		 146 149 179 186 207 217 233 251
Total Preferred & Common Equity		 146 149 179 186 207 217 233 251
Total Common Equity		 146 149 179 186 207 217 233 251
Common Stock		 95 96 98 99 101 102 103 105
Retained Earnings		 62 69 97 105 123 132 142 163
Treasury Stock		 -0.63 -0.63 -1.35 -1.35 -2.57 -2.57 -2.57 -5.69
Accumulated Other Comprehensive Income / (Loss)		 -11 -16 -14 -17 -14 -14 -10 -12

Annual Metrics And Ratios for Esquire Financial

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 4.86% 26.77% 79.26% 29.02% 13.42% 24.27% 30.19% 34.71% 9.95%
EBITDA Growth		 0.00% -48.61% 505.71% 56.45% 54.31% -9.75% 24.42% 73.27% 42.01% 8.75%
EBIT Growth		 0.00% -74.46% 1,399.79% 69.52% 60.50% -10.30% 32.28% 70.87% 44.02% 6.08%
NOPAT Growth		 0.00% 140.79% 29.13% 139.68% 61.93% -10.78% 42.06% 59.10% 43.81% 6.45%
Net Income Growth		 0.00% 140.79% 29.13% 139.68% 61.93% -10.78% 42.06% 59.10% 43.81% 6.45%
EPS Growth		 0.00% 120.00% 5.45% 94.83% 61.06% -9.34% 36.97% 53.54% 41.50% 4.68%
Operating Cash Flow Growth		 0.00% 302.74% -37.03% 154.13% 61.29% -4.41% 92.94% 28.98% 9.29% -0.45%
Free Cash Flow Firm Growth		 0.00% 0.00% 44.79% 436.47% -204.99% 97.62% 111.52% 5,198.87% -95.64% 733.71%
Invested Capital Growth		 0.00% 0.00% 59.18% -100.00% 0.00% 13.43% 14.01% 10.03% 25.54% 19.41%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 45.14% 0.00% 0.00% 9.09% 10.86% 3.48% 3.41%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -43.18% 1,346.78% 1,426.86% 56.09% 14.32% 1.91% 4.23%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -45.90% 0.00% 0.00% 59.79% 14.25% 2.07% 3.74%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 33.92% 0.00% 0.00% 18.89% 9.12% 1.91% 4.48%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 33.92% 0.00% 0.00% 18.89% 9.12% 1.91% 4.48%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 36.14% 0.00% 0.00% 17.10% 7.76% 1.66% 3.63%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -51.80% 21.13% 6.36% -24.34% 40.54% 2.99% 23.27% -10.28%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -432.32% 84.64% 459.46% -4.62% -80.64% 198.99%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% -100.00% 3.89% 3.32% 4.78% 6.48% 6.97% 1.95%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 18.24% 8.94% 42.71% 37.27% 44.58% 35.47% 35.51% 47.26% 49.82% 49.28%
EBIT Margin		 12.29% 2.99% 35.43% 33.50% 41.68% 32.96% 35.08% 46.04% 49.22% 47.49%
Profit (Net Income) Margin		 7.85% 18.02% 18.35% 24.54% 30.80% 24.22% 27.69% 33.84% 36.13% 34.98%
Tax Burden Percent		 63.83% 61.51% 51.81% 73.25% 73.90% 73.50% 78.94% 73.50% 73.39% 73.65%
Interest Burden Percent		 100.00% 978.25% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.17% 38.49% 48.19% 26.75% 26.10% 26.50% 21.06% 26.50% 26.61% 26.35%
Return on Invested Capital (ROIC)		 0.00% 10.74% 5.35% 20.88% 25.45% 10.64% 13.29% 18.89% 22.99% 20.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 10.74% 5.35% 20.88% 25.45% 10.64% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.08% 0.03% 0.07% 0.02% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 10.82% 5.38% 20.95% 25.47% 10.64% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% -189.26% -40.32% 220.88% -174.55% -1.95% 0.20% 9.34% 0.34% 2.35%
Operating Return on Assets (OROA)		 0.00% 0.11% 1.47% 4.47% 4.80% 1.98% 2.15% 3.01% 3.71% 3.38%
Return on Assets (ROA)		 0.00% 0.66% 0.76% 3.27% 3.54% 1.45% 1.69% 2.22% 2.72% 2.49%
Return on Common Equity (ROCE)		 0.00% 10.82% 5.38% 20.95% 25.47% 10.64% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 5.41% 4.37% 0.00% 12.73% 10.01% 12.47% 18.03% 20.65% 18.41%
Net Operating Profit after Tax (NOPAT)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
NOPAT Margin		 7.85% 18.02% 18.35% 24.54% 30.80% 24.22% 27.69% 33.84% 36.13% 34.98%
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		 63.50% 76.43% 71.77% 49.35% 43.83% 44.56% 45.92% 41.84% 38.60% 42.52%
Operating Expenses to Revenue		 81.48% 93.21% 60.02% 62.64% 54.30% 55.04% 54.17% 49.82% 46.79% 48.74%
Earnings before Interest and Taxes (EBIT)		 1.84 0.47 7.03 12 19 17 23 39 56 59
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.72 1.40 8.48 13 20 18 23 40 57 62
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.69 0.00 1.72 1.14 1.67 2.18 2.04 2.78
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.69 0.00 1.72 1.14 1.67 2.18 2.04 2.78
Price to Revenue (P/Rev)		 0.00 0.00 7.09 4.42 4.17 2.75 3.72 4.09 3.56 5.29
Price to Earnings (P/E)		 0.00 0.00 38.64 18.01 13.53 11.35 13.43 12.07 9.86 15.12
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.66% 0.96% 0.76%
Earnings Yield		 0.00% 0.00% 2.59% 5.55% 7.39% 8.81% 7.45% 8.28% 10.14% 6.61%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 1.17 0.00 1.17 0.62 0.64 1.14 1.21 2.25
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 4.94 4.42 2.82 1.50 1.41 2.14 2.11 4.28
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 11.56 11.86 6.34 4.22 3.98 4.52 4.23 8.68
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 13.93 13.19 6.78 4.54 4.03 4.64 4.28 9.01
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 26.90 18.01 9.17 6.18 5.11 6.32 5.84 12.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 24.63 15.56 7.95 5.00 3.04 4.64 5.65 12.65
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 1.70 0.00 0.00 344.03 12.78 389.84 104.29
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 0.00 8.14 7.07 6.40 7.19 7.32 7.84 8.53 8.45 8.06
Compound Leverage Factor		 0.00 79.64 7.07 6.40 7.19 7.32 7.84 8.53 8.45 8.06
Debt to Total Capital		 0.00% 0.71% 0.33% 0.00% 0.08% 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% 0.71% 0.33% 0.00% 0.08% 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		 0.00% 99.29% 99.67% 0.00% 99.92% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.27 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.27 -5.05 0.00 -3.01 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.27 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.13 0.08 0.00 0.01 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.13 -11.75 0.00 -4.36 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.13 0.08 0.00 0.01 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)		 0.00 -50 -27 92 -97 -2.31 0.27 14 0.61 5.12
Operating Cash Flow to CapEx		 1,845.88% 237.02% 2,094.21% 807.02% 790.98% 497.13% 1,021.71% 3,138.92% 1,411.48% 1,340.49%
Free Cash Flow to Firm to Interest Expense		 0.00 -97.33 -51.04 76.23 -38.07 -1.94 0.32 8.56 0.08 0.38
Operating Cash Flow to Interest Expense		 3.43 12.37 7.40 8.34 6.40 13.10 36.33 23.56 5.23 3.14
Operating Cash Flow Less CapEx to Interest Expense		 3.25 7.15 7.04 7.31 5.59 10.47 32.77 22.81 4.85 2.91
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.04 0.04 0.13 0.12 0.06 0.06 0.07 0.08 0.07
Fixed Asset Turnover		 0.00 5.66 7.47 0.00 0.00 17.80 20.38 27.91 42.79 49.55
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 53 84 0.00 111 126 144 158 199 237
Invested Capital Turnover		 0.00 0.60 0.29 0.85 0.83 0.44 0.48 0.56 0.64 0.57
Increase / (Decrease) in Invested Capital		 0.00 53 31 -84 111 15 18 14 40 39
Enterprise Value (EV)		 0.00 0.00 98 157 130 78 92 180 239 534
Market Capitalization		 0.00 0.00 141 157 191 143 241 344 405 660
Book Value per Share		 $0.00 $0.00 $11.38 $0.00 $14.73 $16.45 $18.32 $19.41 $24.20 $28.49
Tangible Book Value per Share		 $0.00 $0.00 $11.38 $0.00 $14.73 $16.45 $18.32 $19.41 $24.20 $28.49
Total Capital		 0.00 53 84 0.00 111 126 144 158 199 237
Total Debt		 0.00 0.37 0.28 0.00 0.09 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.37 0.28 0.00 0.09 0.00 0.00 0.00 0.00 0.00
Net Debt		 0.00 0.37 -43 0.00 -62 -65 -149 -164 -165 -126
Capital Expenditures (CapEx)		 0.09 2.67 0.19 1.25 2.06 3.14 2.94 1.24 3.00 3.15
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 0.37 0.28 0.00 0.09 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.89 0.93 1.45 1.34 1.33 1.31 0.28 1.03 0.68 2.23
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.25 $0.56 $0.59 $1.18 $0.00 $1.70 $2.40 $3.73 $5.31 $5.58
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 7.45M 7.53M 0.00 7.81M 8.09M 8.20M 8.28M 8.43M
Adjusted Diluted Earnings per Share		 $0.25 $0.55 $0.58 $1.13 $0.00 $1.65 $2.26 $3.47 $4.91 $5.14
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 7.45M 7.53M 0.00 7.81M 8.09M 8.20M 8.28M 8.43M
Adjusted Basic & Diluted Earnings per Share		 $0.25 $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		 0.00 0.00 7.45M 7.53M 0.00 7.81M 8.09M 8.20M 8.28M 8.43M
Normalized Net Operating Profit after Tax (NOPAT)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44
Normalized NOPAT Margin		 7.85% 18.02% 18.35% 24.54% 30.80% 24.22% 27.69% 33.84% 36.13% 34.98%
Pre Tax Income Margin		 12.29% 29.29% 35.43% 33.50% 41.68% 32.96% 35.08% 46.04% 49.22% 47.49%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.02 0.92 13.07 9.84 7.51 14.43 27.43 23.56 6.89 4.41
NOPAT to Interest Expense		 2.56 5.52 6.77 7.21 5.55 10.60 21.65 17.32 5.05 3.25
EBIT Less CapEx to Interest Expense		 3.83 -4.30 12.72 8.80 6.70 11.79 23.87 22.81 6.52 4.18
NOPAT Less CapEx to Interest Expense		 2.38 0.31 6.42 6.17 4.74 7.97 18.09 16.56 4.68 3.01
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 7.54% 9.07% 11.10%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 4.49% 0.00% 7.54% 9.77% 11.10%

Quarterly Metrics And Ratios for Esquire Financial

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

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 35.61% 48.93% 70.93% 34.71% 28.55% 15.18% -1.01% 14.24% 12.98% 14.23% 15.41%
EBITDA Growth		 240.78% 64.40% 128.10% 43.36% 22.45% 8.34% -15.47% 19.72% 19.02% 18.12% 14.60%
EBIT Growth		 204.00% 64.01% 127.99% 44.46% 26.72% 9.14% -17.42% 15.08% 17.06% 15.77% 13.36%
NOPAT Growth		 206.11% 35.42% 127.99% 43.49% 27.57% 8.43% -17.42% 15.08% 15.48% 18.93% 13.41%
Net Income Growth		 206.11% 35.42% 127.99% 43.49% 27.57% 8.43% -17.42% 15.08% 15.48% 18.93% 13.41%
EPS Growth		 193.75% 29.76% 122.73% 41.03% 24.47% 7.34% -18.37% 13.64% 14.53% 15.38% 10.83%
Operating Cash Flow Growth		 85.72% 15.26% 31.63% -94.02% -8.88% 93.98% -12.90% 1,551.72% -2.22% -29.28% 23.74%
Free Cash Flow Firm Growth		 71.14% 51.42% -167.44% 3,531.87% -646.98% -474.78% 22.40% -233.81% -30.71% 12.22% -77.98%
Invested Capital Growth		 8.28% 10.03% 24.77% 0.00% 24.96% 25.54% 15.75% 0.00% 25.30% 19.41% 21.08%
Revenue Q/Q Growth		 10.55% 14.30% 17.63% -9.36% 5.48% 2.42% 1.09% 4.60% 4.32% 3.56% 2.13%
EBITDA Q/Q Growth		 25.03% 15.97% 31.40% -24.75% 6.79% 2.60% 2.52% 6.58% 6.16% 1.82% -0.53%
EBIT Q/Q Growth		 21.41% 18.21% 33.62% -24.67% 6.50% 1.81% 1.10% 4.98% 8.33% 0.69% -1.01%
NOPAT Q/Q Growth		 21.41% 18.19% 33.63% -25.17% 7.94% 0.46% 1.78% 4.27% 8.32% 3.46% -2.94%
Net Income Q/Q Growth		 21.41% 18.19% 33.63% -25.17% 7.94% 0.46% 1.78% 4.27% 8.32% 3.46% -2.94%
EPS Q/Q Growth		 20.51% 15.96% 34.86% -25.17% 6.36% 0.00% 2.56% 4.17% 7.20% 0.75% -1.48%
Operating Cash Flow Q/Q Growth		 61.64% -27.94% 72.22% -97.02% 2,364.76% 53.40% -22.67% -43.51% 45.91% 10.95% 35.30%
Free Cash Flow Firm Q/Q Growth		 19.09% -45.61% -339.67% 762.50% -117.61% -12.04% 40.64% -1,042.34% 82.80% 24.75% -20.36%
Invested Capital Q/Q Growth		 2.07% 6.48% 13.12% -100.00% 0.00% 6.97% 4.29% 4.99% 6.97% 1.95% 5.75%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 49.96% 50.68% 56.62% 47.01% 47.59% 47.67% 48.35% 49.26% 50.13% 49.29% 48.01%
EBIT Margin		 47.73% 49.36% 56.07% 46.61% 47.05% 46.78% 46.78% 46.95% 48.75% 47.41% 45.95%
Profit (Net Income) Margin		 35.08% 36.28% 41.21% 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56% 33.79%
Tax Burden Percent		 73.50% 73.49% 73.50% 73.00% 74.00% 73.01% 73.50% 73.00% 73.00% 75.00% 73.54%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.50% 26.51% 26.50% 27.00% 26.00% 26.99% 26.50% 27.00% 27.00% 25.00% 26.46%
Return on Invested Capital (ROIC)		 18.67% 20.25% 24.69% 0.00% 22.86% 21.74% 20.17% 36.90% 20.55% 20.38% 19.09%
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% 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% 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% 0.00%
Cash Return on Invested Capital (CROIC)		 10.34% 9.34% -0.10% 0.00% 1.90% 0.34% 5.55% -162.96% -2.47% 2.35% 0.59%
Operating Return on Assets (OROA)		 2.94% 3.23% 4.02% 0.00% 3.65% 3.53% 3.41% 3.20% 3.60% 3.37% 3.29%
Return on Assets (ROA)		 2.16% 2.38% 2.95% 0.00% 2.70% 2.57% 2.51% 2.34% 2.63% 2.53% 2.42%
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% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 17.59% 0.00% 19.76% 0.00% 21.68% 0.00% 18.78% 18.52% 17.97% 0.00% 17.95%
Net Operating Profit after Tax (NOPAT)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
NOPAT Margin		 35.08% 36.28% 41.21% 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56% 33.79%
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% 0.00%
SG&A Expenses to Revenue		 41.15% 37.29% 33.92% 39.03% 40.23% 41.39% 43.58% 44.00% 42.00% 40.72% 42.28%
Operating Expenses to Revenue		 49.31% 45.26% 42.24% 48.45% 48.70% 48.04% 49.80% 49.78% 48.11% 47.45% 49.61%
Earnings before Interest and Taxes (EBIT)		 10 12 17 12 13 14 14 14 16 16 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 13 17 13 13 14 14 15 16 16 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.00 2.18 1.76 0.00 2.00 2.04 1.89 1.81 2.33 2.78 2.53
Price to Tangible Book Value (P/TBV)		 2.00 2.18 1.76 0.00 2.00 2.04 1.89 1.81 2.33 2.78 2.53
Price to Revenue (P/Rev)		 3.91 4.09 3.26 3.57 3.38 3.56 3.45 3.36 4.49 5.29 4.91
Price to Earnings (P/E)		 11.36 12.07 8.91 9.69 9.20 9.86 10.05 9.78 12.97 15.12 14.12
Dividend Yield		 0.49% 0.66% 0.99% 0.92% 1.00% 0.96% 1.11% 1.16% 0.88% 0.76% 0.83%
Earnings Yield		 8.80% 8.28% 11.22% 10.32% 10.86% 10.14% 9.95% 10.23% 7.71% 6.61% 7.08%
Enterprise Value to Invested Capital (EV/IC)		 0.77 1.14 1.17 0.00 1.35 1.21 1.12 1.11 1.70 2.25 1.84
Enterprise Value to Revenue (EV/Rev)		 1.51 2.14 2.16 0.00 2.28 2.11 2.05 2.06 3.27 4.28 3.58
Enterprise Value to EBITDA (EV/EBITDA)		 3.29 4.52 4.24 0.00 4.50 4.23 4.31 4.27 6.69 8.68 7.28
Enterprise Value to EBIT (EV/EBIT)		 3.38 4.64 4.34 0.00 4.56 4.28 4.39 4.39 6.90 9.01 7.57
Enterprise Value to NOPAT (EV/NOPAT)		 4.39 6.32 5.91 0.00 6.21 5.84 5.98 5.98 9.44 12.23 10.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.05 4.64 4.93 0.00 7.26 5.65 5.74 5.10 8.38 12.65 10.22
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.77 12.78 0.00 0.00 78.77 389.84 21.70 0.00 0.00 104.29 339.84
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 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 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 8.65 8.53 8.36 0.00 8.47 8.45 8.04 7.89 7.81 8.06 7.88
Compound Leverage Factor		 8.65 8.53 8.36 0.00 8.47 8.45 8.04 7.89 7.81 8.06 7.88
Debt to Total Capital		 0.00% 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% 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% 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% 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% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 0.00% 100.00% 100.00% 100.00% 100.00% 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 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 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 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 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 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 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.65 -5.31 -23 155 -27 -31 -18 -207 -36 -27 -32
Operating Cash Flow to CapEx		 3,203.52% 7,218.64% 1,732.00% 70.14% 1,451.62% 2,086.24% 1,379.81% 1,087.05% 1,348.53% 1,501.93% 903.95%
Free Cash Flow to Firm to Interest Expense		 -8.83 -7.44 -21.69 78.66 -12.52 -10.53 -5.64 -67.56 -10.88 -6.87 -8.26
Operating Cash Flow to Interest Expense		 28.62 11.93 13.63 0.22 4.95 5.70 3.98 2.36 3.22 3.00 4.05
Operating Cash Flow Less CapEx to Interest Expense		 27.73 11.76 12.85 -0.09 4.61 5.43 3.69 2.14 2.98 2.80 3.60
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.07 0.07 0.00 0.08 0.08 0.07 0.07 0.07 0.07 0.07
Fixed Asset Turnover		 24.15 27.91 34.09 0.00 40.97 42.79 43.87 41.67 47.21 49.55 43.19
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 149 158 179 0.00 186 199 207 217 233 237 251
Invested Capital Turnover		 0.53 0.56 0.60 0.00 0.66 0.64 0.59 1.08 0.58 0.57 0.57
Increase / (Decrease) in Invested Capital		 11 14 36 -146 37 40 28 217 47 39 44
Enterprise Value (EV)		 115 180 209 0.00 250 239 233 241 395 534 463
Market Capitalization		 297 344 315 369 370 405 391 394 542 660 636
Book Value per Share		 $18.38 $19.41 $21.82 $0.00 $22.63 $24.20 $25.00 $26.22 $27.97 $28.49 $29.74
Tangible Book Value per Share		 $18.38 $19.41 $21.82 $0.00 $22.63 $24.20 $25.00 $26.22 $27.97 $28.49 $29.74
Total Capital		 149 158 179 0.00 186 199 207 217 233 237 251
Total Debt		 0.00 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 0.00
Net Debt		 -182 -164 -106 0.00 -121 -165 -158 -153 -148 -126 -173
Capital Expenditures (CapEx)		 0.37 0.12 0.85 0.62 0.74 0.79 0.93 0.66 0.78 0.78 1.75
Net Nonoperating Expense (NNE)		 0.00 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 0.00
Total Depreciation and Amortization (D&A)		 0.49 0.33 0.16 0.11 0.15 0.26 0.46 0.71 0.44 0.62 0.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.01 $1.19 $0.00 $0.00 $1.27 $1.28 $1.29 $1.34 $1.45 $1.50 $1.43
Adjusted Weighted Average Basic Shares Outstanding		 8.15M 8.20M 0.00 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M
Adjusted Diluted Earnings per Share		 $0.94 $1.09 $0.00 $0.00 $1.17 $1.17 $1.20 $1.25 $1.34 $1.35 $1.33
Adjusted Weighted Average Diluted Shares Outstanding		 8.15M 8.20M 0.00 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.15M 8.20M 0.00 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M
Normalized Net Operating Profit after Tax (NOPAT)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12 11
Normalized NOPAT Margin		 35.08% 36.28% 41.21% 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56% 33.79%
Pre Tax Income Margin		 47.73% 49.36% 56.07% 46.61% 47.05% 46.78% 46.78% 46.95% 48.75% 47.41% 45.95%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 25.40 17.37 15.40 6.35 6.11 4.67 4.26 4.69 4.75 4.02 3.97
NOPAT to Interest Expense		 18.67 12.76 11.32 4.64 4.52 3.41 3.13 3.42 3.47 3.02 2.92
EBIT Less CapEx to Interest Expense		 24.51 17.20 14.61 6.03 5.77 4.40 3.97 4.47 4.52 3.82 3.53
NOPAT Less CapEx to Interest Expense		 17.78 12.60 10.53 4.32 4.18 3.14 2.84 3.21 3.23 2.82 2.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 5.26% 7.54% 8.27% 8.40% 8.35% 9.07% 10.61% 10.76% 11.15% 11.10% 11.25%
Augmented Payout Ratio		 5.26% 7.54% 9.03% 9.15% 9.06% 9.77% 10.66% 10.76% 11.15% 11.10% 11.25%

Key Financial Trends

Esquire Financial Holdings reported strong year-over-year growth in the first quarter of 2025, driven by higher interest income, robust loan growth and expanding earning assets funded by deposit inflows. Profitability metrics remain healthy, with return on invested capital well above 15%, while valuation multiples have eased from 2024 peaks. The bank continues to reinvest in its balance sheet, resulting in negative free cash flow to the firm despite solid operating cash generation.

  • Total revenue rose to $33.76 million in Q1 2025, up 15.4% year-over-year, led by net interest income growth.
  • Net income of $11.41 million (+13.4% YoY) produced diluted EPS of $1.33 versus $1.20 in Q1 2024.
  • Operating cash flow climbed 23.7% to $15.81 million, covering capital expenditures nearly nine times.
  • Deposits increased by $436 million quarter-over-quarter, funding growth in loans and trading securities.
  • Book value per share advanced to $29.74, an 18.9% gain over Q1 2024, with tangible book value matching.
  • Dividend yield stands at 0.83% with a conservative payout ratio around 11%, reflecting ample retained earnings.
  • Profitability margins remain stable: NOPAT margin of 33.8% and EBITDA margin of 48.0% in Q1 2025.
  • Return on invested capital was 19.1%, modestly below the 20.4% recorded in Q4 2024 but still above peers’ cost of capital.
  • Free cash flow to firm was negative $32.2 million as invested capital rose to support asset expansion.
  • Sequentially, EPS fell 1.5% and NOPAT declined 2.9% from Q4 2024, highlighting some quarter-to-quarter variability.
07/14/25 01:08 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Esquire Financial's Financials

When does Esquire Financial's financial year end?

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

How has Esquire Financial's net income changed over the last 9 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 $1.17 million in 2015. The previous period was $41.01 million in 2023. Check out Esquire Financial's forecast to explore projected trends and price targets.

How has Esquire Financial's revenue changed over the last 9 years?

Over the last 9 years, Esquire Financial's total revenue changed from $14.94 million in 2015 to $124.82 million in 2024, a change of 735.7%.

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 344.2% increase since 2016.

How much cash does Esquire Financial have?

In the past 7 years, Esquire Financial's cash and equivalents has ranged from $0.00 in 2016 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 9 years?

Over the last 9 years, Esquire Financial's book value per share changed from 0.00 in 2015 to 28.49 in 2024, a change of 2,849.2%.


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This page (NASDAQ:ESQ) was last updated on 7/14/2025 by MarketBeat.com Staff
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