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Esquire Financial (ESQ) Financials

Esquire Financial logo
$109.05 +0.75 (+0.69%)
Closing price 04:00 PM Eastern
Extended Trading
$109.07 +0.02 (+0.02%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
Consolidated Net Income / (Loss)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
Net Income / (Loss) Continuing Operations		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
Total Pre-Tax Income 		1.84 4.59 7.03 12 19 17 23 39 56 59 66
Total Revenue		 15 16 20 36 46 52 65 84 114 125 147
Net Interest Income / (Expense)		 12 16 20 28 34 37 44 59 84 100 121
Total Interest Income		 12 16 20 29 37 39 45 61 92 113 139
Loans and Leases Interest Income		 11 14 18 24 32 36 42 54 81 98 120
Investment Securities Interest Income		 1.75 1.96 2.55 3.95 3.91 2.65 2.79 5.41 6.55 8.64 13
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 7.24
Total Interest Expense		 0.46 0.51 0.54 1.21 2.55 1.19 0.83 1.65 8.12 13 18
Deposits Interest Expense		 0.43 0.49 0.52 1.18 2.54 1.19 0.83 1.64 8.11 13 18
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 0.00
Total Non-Interest Income		 2.94 4.13 0.00 7.86 12 15 21 25 30 25 25
Service Charges on Deposit Accounts		 - - - - - - 0.03 2.53 2.47 2.74 3.00
Other Service Charges		 2.94 - - - 12 15 21 22 23 22 22
Net Realized & Unrealized Capital Gains on Investments		 - 0.01 - - - - -0.30 -0.09 4.01 0.00 0.43
Provision for Credit Losses		 0.93 0.60 0.91 1.38 1.85 6.25 6.96 3.49 4.53 4.70 9.68
Total Non-Interest Expense		 12 15 12 22 25 29 35 42 53 61 71
Salaries and Employee Benefits		 6.25 8.24 10 13 15 17 22 26 32 38 42
Net Occupancy & Equipment Expense		 2.60 2.97 3.27 3.63 4.38 5.54 6.48 7.46 8.53 11 13
Marketing Expense		 0.64 0.75 0.91 0.90 1.07 0.79 1.50 2.03 2.81 4.48 5.26
Property & Liability Insurance Claims		 0.25 0.21 0.26 0.32 0.24 0.38 0.45 0.56 0.79 0.94 1.12
Other Operating Expenses		 2.44 -1.70 -2.59 4.41 4.57 5.09 4.90 6.16 8.51 6.82 9.17
Income Tax Expense		 0.66 1.77 3.39 3.19 5.00 4.55 4.78 10 15 16 15
Basic Earnings per Share		 $0.25 $0.56 $0.59 $1.18 $1.91 $1.70 $2.40 $3.73 $5.31 $5.58 $6.30
Weighted Average Basic Shares Outstanding		 - - 7.45M 7.53M - 7.81M 8.09M 8.20M 8.28M 8.43M 8.64M
Diluted Earnings per Share		 $0.25 $0.55 $0.58 $1.13 $1.82 $1.65 $2.26 $3.47 $4.91 $5.14 $5.87
Weighted Average Diluted Shares Outstanding		 - - 7.45M 7.53M - 7.81M 8.09M 8.20M 8.28M 8.43M 8.64M
Weighted Average Basic & Diluted Shares Outstanding		 - - 7.45M 7.53M - 7.81M 8.09M 8.20M 8.28M 8.43M 8.64M
Cash Dividends to Common per Share		 - - - - - - - $0.28 $0.48 $0.60 $0.70

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
Consolidated Net Income / (Loss)		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
Net Income / (Loss) Continuing Operations		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
Total Pre-Tax Income 		12 13 14 14 14 16 16 16 15 17 17
Total Revenue		 27 28 29 29 31 32 33 34 36 38 39
Net Interest Income / (Expense)		 20 22 23 23 24 26 27 28 29 31 33
Total Interest Income		 22 24 26 26 27 29 31 32 34 36 38
Loans and Leases Interest Income		 19 21 23 23 24 25 26 27 29 31 33
Investment Securities Interest Income		 1.90 1.40 1.44 1.61 2.02 2.39 2.62 3.04 3.13 3.24 3.19
Deposits and Money Market Investments Interest Income		 1.01 1.10 1.10 1.08 1.15 1.62 2.43 1.66 1.65 2.05 1.89
Total Interest Expense		 1.97 2.18 2.90 3.21 3.06 3.27 3.90 3.90 4.28 4.79 4.96
Deposits Interest Expense		 1.97 2.18 2.90 3.21 3.06 3.27 3.90 3.90 4.28 4.79 4.96
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		 6.70 6.53 6.27 6.39 6.28 6.06 6.17 6.15 6.58 6.23 6.12
Service Charges on Deposit Accounts		 0.74 0.62 0.58 0.75 0.62 0.66 0.71 0.88 0.64 0.73 0.74
Other Service Charges		 5.96 5.92 5.69 5.64 5.66 5.40 5.46 5.27 5.93 5.50 4.95
Provision for Credit Losses		 1.33 1.20 1.50 1.00 1.00 1.00 1.70 1.50 3.53 1.75 2.90
Total Non-Interest Expense		 13 14 14 15 15 15 16 17 17 18 19
Salaries and Employee Benefits		 7.80 8.43 8.76 9.16 9.53 9.53 9.63 10 10 11 11
Net Occupancy & Equipment Expense		 2.08 2.21 2.27 2.44 2.88 2.67 2.77 3.05 3.23 3.43 3.66
Marketing Expense		 0.57 0.72 0.94 1.15 1.06 1.21 1.06 1.16 1.11 1.46 1.53
Property & Liability Insurance Claims		 0.18 0.26 0.21 0.22 0.23 0.24 0.25 0.27 0.29 0.28 0.27
Other Operating Expenses		 2.34 2.13 1.72 1.60 1.54 1.72 1.97 2.20 2.21 2.34 2.42
Income Tax Expense		 3.37 3.46 3.65 3.63 3.88 4.20 3.92 4.11 3.35 3.41 3.97
Basic Earnings per Share		 $1.18 $1.27 $1.28 $1.29 $1.34 $1.45 $1.50 $1.43 $1.48 $1.74 $1.65
Weighted Average Basic Shares Outstanding		 - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M 8.54M 8.57M 8.64M
Diluted Earnings per Share		 $1.10 $1.17 $1.17 $1.20 $1.25 $1.34 $1.35 $1.33 $1.38 $1.62 $1.54
Weighted Average Diluted Shares Outstanding		 - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M 8.54M 8.57M 8.64M
Weighted Average Basic & Diluted Shares Outstanding		 - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M 8.54M 8.57M 8.64M

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 -39 9.84 0.08 -13 31 3.38 84 15 1.09 -39 110
Net Cash From Operating Activities		 1.57 6.32 3.98 10 16 16 30 39 42 42 60
Net Cash From Continuing Operating Activities		 1.57 6.32 3.98 10 16 16 30 39 42 42 60
Net Income / (Loss) Continuing Operations		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
Consolidated Net Income / (Loss)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
Provision For Loan Losses		 0.93 0.60 0.91 1.38 1.85 6.25 6.96 3.49 4.53 4.70 9.68
Depreciation Expense		 0.24 0.17 0.41 0.42 0.51 0.57 1.70 2.08 1.97 2.72 2.94
Amortization Expense		 0.65 0.77 1.04 0.92 0.83 0.74 -1.42 -1.05 -1.29 -0.48 -0.11
Non-Cash Adjustments to Reconcile Net Income		 0.19 2.12 1.60 1.51 1.76 1.64 3.57 2.03 -2.98 3.01 5.76
Changes in Operating Assets and Liabilities, net		 -1.61 -0.15 -3.62 -2.85 -2.78 -6.23 1.35 3.73 -0.84 -11 -9.24
Net Cash From Investing Activities		 -61 -66 -109 -143 -97 -135 -170 -222 -215 -308 -362
Net Cash From Continuing Investing Activities		 -61 -66 -109 -143 -97 -135 -170 -222 -215 -308 -362
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 -5.58
Purchase of Investment Securities		 -78 -85 -130 -165 -126 -148 -221 -248 -288 -351 -416
Sale and/or Maturity of Investments		 18 22 22 23 31 15 54 28 76 46 60
Net Cash From Financing Activities		 21 69 105 120 112 123 224 198 174 227 412
Net Cash From Continuing Financing Activities		 21 69 105 120 112 123 224 198 174 227 412
Net Change in Deposits		 11 69 78 120 112 123 224 200 179 235 421
Repayment of Debt		 -0.01 -0.01 -0.09 - -0.00 -0.04 - -0.00 -0.00 -0.00 -0.00
Repurchase of Common Equity		 - - - 0.00 0.00 -0.57 0.00 0.00 -0.29 0.00 0.00
Payment of Dividends		 - - - - - 0.00 0.00 -2.15 -3.72 -4.85 -5.86
Other Financing Activities, Net		 - - 0.94 0.38 0.05 0.40 0.03 -0.01 -0.97 -2.92 -3.10
Cash Interest Paid		 0.46 0.51 0.54 1.20 2.55 1.20 0.83 1.62 8.13 13 18
Cash Income Taxes Paid		 0.10 0.23 2.63 2.68 5.15 6.25 5.96 8.65 18 18 15

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -98 14 45 -6.97 -5.51 -5.07 -21 47 -10 78 -4.87
Net Cash From Operating Activities		 0.44 11 17 13 7.22 11 12 16 10 17 17
Net Cash From Continuing Operating Activities		 0.44 11 17 13 7.22 11 12 16 10 17 17
Net Income / (Loss) Continuing Operations		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
Consolidated Net Income / (Loss)		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
Provision For Loan Losses		 1.33 1.20 1.50 1.00 1.00 1.00 1.70 1.50 3.53 1.75 2.90
Depreciation Expense		 0.49 0.50 0.50 0.61 0.81 0.63 0.67 0.72 0.73 0.75 0.74
Amortization Expense		 -0.38 -0.35 -0.24 -0.15 -0.10 -0.19 -0.05 -0.03 -0.03 -0.03 -0.03
Non-Cash Adjustments to Reconcile Net Income		 0.77 1.35 -1.48 1.19 1.18 1.18 0.18 1.40 1.07 1.60 1.69
Changes in Operating Assets and Liabilities, net		 -11 -1.76 6.36 0.07 -6.16 -3.45 -2.57 0.81 -6.70 -1.38 -1.97
Net Cash From Investing Activities		 -92 -19 -95 -45 -64 -64 -135 -14 -114 -35 -200
Net Cash From Continuing Investing Activities		 -92 -19 -95 -45 -64 -64 -135 -14 -114 -35 -200
Purchase of Property, Leasehold Improvements and Equipment		 -0.62 -0.74 -0.79 -0.93 -0.66 -0.78 -0.78 -1.75 -1.76 -1.38 -0.70
Purchase of Investment Securities		 -96 -75 -50 -49 -73 -74 -155 -22 -127 -46 -221
Sale and/or Maturity of Investments		 4.91 57 -44 5.03 9.30 10 21 10 15 13 22
Net Cash From Financing Activities		 -6.37 23 123 25 52 49 102 44 93 96 178
Net Cash From Continuing Financing Activities		 -6.37 23 123 25 52 49 102 44 93 96 178
Net Change in Deposits		 -5.39 24 125 27 53 50 106 46 94 97 184
Payment of Dividends		 -0.96 -0.85 -1.13 -1.18 -1.17 -1.17 -1.32 -1.40 -1.40 -1.42 -1.64
Other Financing Activities, Net		 0.01 0.05 -0.92 -0.13 - 0.19 -2.98 0.01 0.47 0.40 -3.98
Cash Interest Paid		 1.88 2.24 2.95 3.21 3.07 3.28 3.88 3.92 4.27 4.79 4.98
Cash Income Taxes Paid		 9.72 3.98 3.72 0.65 8.29 4.42 4.65 0.90 9.08 5.86 -0.54

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 2025
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 12/31/2025
Total Assets		 425 534 798 937 1,179 1,396 1,617 1,893 2,366
Cash and Due from Banks		 - 0.47 62 65 149 164 165 126 236
Trading Account Securities		 93 131 149 172 201 240 202 313 310
Loans and Leases, Net of Allowance		 275 345 558 661 775 935 1,191 1,376 1,734
Loans and Leases		 279 349 565 672 785 947 1,207 1,397 1,758
Allowance for Loan and Lease Losses		 3.41 4.26 6.99 11 9.08 12 17 21 24
Premises and Equipment, Net		 2.77 2.55 2.84 3.02 3.33 2.70 2.60 2.44 4.38
Other Assets		 54 12 26 35 50 54 56 74 81
Total Liabilities & Shareholders' Equity		 425 534 798 937 1,179 1,396 1,617 1,893 2,366
Total Liabilities		 373 450 687 811 1,035 1,237 1,418 1,655 2,076
Interest Bearing Deposits		 371 448 681 804 1,028 1,228 1,407 1,642 2,063
Other Long-Term Liabilities		 1.49 1.40 6.24 6.58 6.63 9.25 11 13 13
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 - - 0.00 0.00
Total Equity & Noncontrolling Interests		 52 83 111 126 144 158 199 237 290
Total Preferred & Common Equity		 52 83 111 126 144 158 199 237 290
Preferred Stock		 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 52 83 111 126 144 158 199 237 290
Common Stock		 59 87 90 92 94 96 100 104 110
Retained Earnings		 -5.83 -1.96 21 34 51 78 114 153 198
Treasury Stock		 - - 0.00 -0.57 -0.57 -0.91 -2.27 -5.69 -9.68
Accumulated Other Comprehensive Income / (Loss)		 -0.88 -1.39 0.39 1.41 -0.85 -15 -13 -14 -8.49

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 Q2 2025 Q3 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 6/30/2025 9/30/2025
Total Assets		 1,310 1,348 1,451 1,482 1,654 1,716 1,782 1,954 2,060 2,184
Cash and Due from Banks		 155 182 106 121 158 153 148 173 163 241
Trading Account Securities		 251 245 237 196 220 253 285 307 325 331
Loans and Leases, Net of Allowance		 849 864 1,042 1,098 1,211 1,243 1,278 1,396 1,475 1,526
Loans and Leases		 859 875 1,056 1,113 1,228 1,261 1,297 1,416 1,495 1,547
Allowance for Loan and Lease Losses		 10 11 14 15 18 19 19 19 19 21
Premises and Equipment, Net		 3.01 2.85 2.50 2.50 2.66 2.81 2.61 3.33 4.23 4.41
Other Assets		 52 54 63 65 62 65 69 75 93 83
Total Liabilities & Shareholders' Equity		 1,310 1,348 1,451 1,482 1,654 1,716 1,782 1,954 2,060 2,184
Total Liabilities		 1,164 1,199 1,272 1,297 1,447 1,498 1,550 1,704 1,796 1,905
Interest Bearing Deposits		 1,155 1,187 1,259 1,283 1,434 1,487 1,536 1,688 1,782 1,879
Other Long-Term Liabilities		 8.67 12 13 14 13 11 14 16 14 26
Total Equity & Noncontrolling Interests		 146 149 179 186 207 217 233 251 264 279
Total Preferred & Common Equity		 146 149 179 186 207 217 233 251 264 279
Total Common Equity		 146 149 179 186 207 217 233 251 264 279
Common Stock		 95 96 98 99 101 102 103 105 107 109
Retained Earnings		 62 69 97 105 123 132 142 163 173 186
Treasury Stock		 -0.63 -0.63 -1.35 -1.35 -2.57 -2.57 -2.57 -5.69 -5.69 -5.69
Accumulated Other Comprehensive Income / (Loss)		 -11 -16 -14 -17 -14 -14 -10 -12 -11 -9.50

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 2025
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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 8,565,491.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 8,565,491.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 5.93
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.00% 4.86% 26.77% 79.26% 29.02% 13.42% 24.27% 30.19% 34.71% 9.95% 17.41%
EBITDA Growth		 0.00% -48.61% 505.71% 56.45% 54.31% -9.75% 24.42% 73.27% 42.01% 8.75% 11.33%
EBIT Growth		 0.00% -74.46% 1,399.79% 69.52% 60.50% -10.30% 32.28% 70.87% 44.02% 6.08% 10.75%
NOPAT Growth		 0.00% 140.79% 29.13% 139.68% 61.93% -10.78% 42.06% 59.10% 43.81% 6.45% 16.41%
Net Income Growth		 0.00% 140.79% 29.13% 139.68% 61.93% -10.78% 42.06% 59.10% 43.81% 6.45% 16.41%
EPS Growth		 0.00% 120.00% 5.45% 94.83% 61.06% -9.34% 36.97% 53.54% 41.50% 4.68% 14.20%
Operating Cash Flow Growth		 0.00% 302.74% -37.03% 154.13% 61.29% -4.41% 92.94% 28.98% 9.29% -0.45% 41.76%
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% -132.86%
Invested Capital Growth		 0.00% 0.00% 59.18% -100.00% 0.00% 13.43% 14.01% 10.03% 25.54% 19.41% 22.14%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 45.14% 0.00% 0.00% 9.09% 10.86% 3.48% 3.41% 4.52%
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% 2.77%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -45.90% 0.00% 0.00% 59.79% 14.25% 2.07% 3.74% 2.76%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 33.92% 0.00% 0.00% 18.89% 9.12% 1.91% 4.48% 3.49%
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% 3.49%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 36.14% 0.00% 0.00% 17.10% 7.76% 1.66% 3.63% 3.35%
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% 9.33%
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% -168.71%
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% 3.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 18.24% 8.94% 42.71% 37.27% 44.58% 35.47% 35.51% 47.26% 49.82% 49.28% 46.72%
EBIT Margin		 12.29% 2.99% 35.43% 33.50% 41.68% 32.96% 35.08% 46.04% 49.22% 47.49% 44.80%
Profit (Net Income) Margin		 7.85% 18.02% 18.35% 24.54% 30.80% 24.22% 27.69% 33.84% 36.13% 34.98% 34.68%
Tax Burden Percent		 63.83% 61.51% 51.81% 73.25% 73.90% 73.50% 78.94% 73.50% 73.39% 73.65% 77.41%
Interest Burden Percent		 100.00% 978.25% 100.00% 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% 22.59%
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% 19.30%
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% 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% 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% 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% -0.64%
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% 3.08%
Return on Assets (ROA)		 0.00% 0.66% 0.76% 3.27% 3.54% 1.45% 1.69% 2.22% 2.72% 2.49% 2.39%
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% 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% 17.55%
Net Operating Profit after Tax (NOPAT)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
NOPAT Margin		 7.85% 18.02% 18.35% 24.54% 30.80% 24.22% 27.69% 33.84% 36.13% 34.98% 34.68%
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		 63.50% 76.43% 71.77% 49.35% 43.83% 44.56% 45.92% 41.84% 38.60% 42.52% 41.58%
Operating Expenses to Revenue		 81.48% 93.21% 60.02% 62.64% 54.30% 55.04% 54.17% 49.82% 46.79% 48.74% 48.60%
Earnings before Interest and Taxes (EBIT)		 1.84 0.47 7.03 12 19 17 23 39 56 59 66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.72 1.40 8.48 13 20 18 23 40 57 62 68
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 3.01
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 3.01
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 5.95
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 17.17
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.66% 0.96% 0.76% 0.69%
Earnings Yield		 0.00% 0.00% 2.59% 5.55% 7.39% 8.81% 7.45% 8.28% 10.14% 6.61% 5.82%
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 2.20
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 4.34
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 9.30
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 9.70
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 12.53
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 10.64
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 0.00
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 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 0.00
Financial Leverage		 0.00 0.01 0.00 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 8.08
Compound Leverage Factor		 0.00 79.64 7.07 6.40 7.19 7.32 7.84 8.53 8.45 8.06 8.08
Debt to Total Capital		 0.00% 0.71% 0.33% 0.00% 0.08% 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% 0.71% 0.33% 0.00% 0.08% 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		 0.00% 99.29% 99.67% 0.00% 99.92% 100.00% 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 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 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 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 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 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 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)		 0.00 -50 -27 92 -97 -2.31 0.27 14 0.61 5.12 -1.68
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% 1,072.02%
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 -0.09
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 3.34
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 3.03
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.04 0.04 0.13 0.12 0.06 0.06 0.07 0.08 0.07 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 43.01
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 0.00 53 84 0.00 111 126 144 158 199 237 290
Invested Capital Turnover		 0.00 0.60 0.29 0.85 0.83 0.44 0.48 0.56 0.64 0.57 0.56
Increase / (Decrease) in Invested Capital		 0.00 53 31 -84 111 15 18 14 40 39 53
Enterprise Value (EV)		 0.00 0.00 98 157 130 78 92 180 239 534 637
Market Capitalization		 0.00 0.00 141 157 191 143 241 344 405 660 873
Book Value per Share		 $0.00 $0.00 $11.38 $0.00 $14.73 $16.45 $18.32 $19.41 $24.20 $28.49 $33.81
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 $33.81
Total Capital		 0.00 53 84 0.00 111 126 144 158 199 237 290
Total Debt		 0.00 0.37 0.28 0.00 0.09 0.00 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 0.00
Net Debt		 0.00 0.37 -43 0.00 -62 -65 -149 -164 -165 -126 -236
Capital Expenditures (CapEx)		 0.09 2.67 0.19 1.25 2.06 3.14 2.94 1.24 3.00 3.15 5.58
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 0.37 0.28 0.00 0.09 0.00 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 2.83
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 $6.30
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 8.64M
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 $5.87
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 8.64M
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 $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 8.64M
Normalized Net Operating Profit after Tax (NOPAT)		 1.17 2.82 3.64 8.73 14 13 18 29 41 44 51
Normalized NOPAT Margin		 7.85% 18.02% 18.35% 24.54% 30.80% 24.22% 27.69% 33.84% 36.13% 34.98% 34.68%
Pre Tax Income Margin		 12.29% 29.29% 35.43% 33.50% 41.68% 32.96% 35.08% 46.04% 49.22% 47.49% 44.80%
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 3.66
NOPAT to Interest Expense		 2.56 5.52 6.77 7.21 5.55 10.60 21.65 17.32 5.05 3.25 2.83
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 3.35
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 2.52
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% 11.53%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 4.49% 0.00% 7.54% 9.77% 11.10% 11.53%

Quarterly Metrics And Ratios for Esquire Financial

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

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 8,565,491.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 8,565,491.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.57
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 34.71% 28.55% 15.18% -1.01% 14.24% 12.98% 14.23% 15.41% 17.11% 17.71% 19.19%
EBITDA Growth		 43.36% 22.45% 8.34% -15.47% 19.72% 19.02% 18.12% 14.60% 5.79% 13.64% 11.34%
EBIT Growth		 44.46% 26.72% 9.14% -17.42% 15.08% 17.06% 15.77% 13.36% 6.12% 12.21% 11.26%
NOPAT Growth		 43.49% 27.57% 8.43% -17.42% 15.08% 15.48% 18.93% 13.41% 13.38% 23.74% 14.59%
Net Income Growth		 43.49% 27.57% 8.43% -17.42% 15.08% 15.48% 18.93% 13.41% 13.38% 23.74% 14.59%
EPS Growth		 41.03% 24.47% 7.34% -18.37% 13.64% 14.53% 15.38% 10.83% 10.40% 20.90% 14.07%
Operating Cash Flow Growth		 -94.02% -8.88% 93.98% -12.90% 1,551.72% -2.22% -29.28% 23.74% 45.29% 59.04% 43.71%
Free Cash Flow Firm Growth		 3,531.87% -646.98% -474.78% 22.40% -233.81% -30.71% 12.22% -77.98% 83.45% 8.42% -45.73%
Invested Capital Growth		 0.00% 24.96% 25.54% 15.75% 0.00% 25.30% 19.41% 21.08% 21.22% 20.06% 22.14%
Revenue Q/Q Growth		 -9.36% 5.48% 2.42% 1.09% 4.60% 4.32% 3.56% 2.13% 6.13% 4.86% 4.86%
EBITDA Q/Q Growth		 -24.75% 6.79% 2.60% 2.52% 6.58% 6.16% 1.82% -0.53% -1.62% 14.03% -0.24%
EBIT Q/Q Growth		 -24.67% 6.50% 1.81% 1.10% 4.98% 8.33% 0.69% -1.01% -1.73% 14.55% -0.16%
NOPAT Q/Q Growth		 -25.17% 7.94% 0.46% 1.78% 4.27% 8.32% 3.46% -2.94% 4.23% 18.23% -4.19%
Net Income Q/Q Growth		 -25.17% 7.94% 0.46% 1.78% 4.27% 8.32% 3.46% -2.94% 4.23% 18.23% -4.19%
EPS Q/Q Growth		 -25.17% 6.36% 0.00% 2.56% 4.17% 7.20% 0.75% -1.48% 3.76% 17.39% -4.94%
Operating Cash Flow Q/Q Growth		 -97.02% 2,364.76% 53.40% -22.67% -43.51% 45.91% 10.95% 35.30% -33.67% 59.72% 0.26%
Free Cash Flow Firm Q/Q Growth		 762.50% -117.61% -12.04% 40.64% -1,042.34% 82.80% 24.75% -20.36% -6.25% 4.83% -19.74%
Invested Capital Q/Q Growth		 -100.00% 0.00% 6.97% 4.29% 4.99% 6.97% 1.95% 5.75% 5.12% 5.95% 3.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.01% 47.59% 47.67% 48.35% 49.26% 50.13% 49.29% 48.01% 44.50% 48.40% 46.05%
EBIT Margin		 46.61% 47.05% 46.78% 46.78% 46.95% 48.75% 47.41% 45.95% 42.54% 46.48% 44.25%
Profit (Net Income) Margin		 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56% 33.79% 33.18% 37.41% 34.18%
Tax Burden Percent		 73.00% 74.00% 73.01% 73.50% 73.00% 73.00% 75.00% 73.54% 78.00% 80.50% 77.25%
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		 27.00% 26.00% 26.99% 26.50% 27.00% 27.00% 25.00% 26.46% 22.00% 19.50% 22.75%
Return on Invested Capital (ROIC)		 0.00% 22.86% 21.74% 20.17% 36.90% 20.55% 20.38% 19.09% 18.57% 20.50% 19.02%
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)		 0.00% 1.90% 0.34% 5.55% -162.96% -2.47% 2.35% 0.59% 0.11% 0.96% -0.64%
Operating Return on Assets (OROA)		 0.00% 3.65% 3.53% 3.41% 3.20% 3.60% 3.37% 3.29% 3.03% 3.29% 3.05%
Return on Assets (ROA)		 0.00% 2.70% 2.57% 2.51% 2.34% 2.63% 2.53% 2.42% 2.37% 2.65% 2.35%
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)		 0.00% 21.68% 0.00% 18.78% 18.52% 17.97% 0.00% 17.95% 17.61% 17.59% 0.00%
Net Operating Profit after Tax (NOPAT)		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
NOPAT Margin		 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56% 33.79% 33.18% 37.41% 34.18%
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		 39.03% 40.23% 41.39% 43.58% 44.00% 42.00% 40.72% 42.28% 40.63% 41.89% 41.56%
Operating Expenses to Revenue		 48.45% 48.70% 48.04% 49.80% 49.78% 48.11% 47.45% 49.61% 47.62% 48.87% 48.39%
Earnings before Interest and Taxes (EBIT)		 12 13 14 14 14 16 16 16 15 17 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 13 14 14 15 16 16 16 16 18 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 2.00 2.04 1.89 1.81 2.33 2.78 2.53 3.04 3.12 3.01
Price to Tangible Book Value (P/TBV)		 0.00 2.00 2.04 1.89 1.81 2.33 2.78 2.53 3.04 3.12 3.01
Price to Revenue (P/Rev)		 3.57 3.38 3.56 3.45 3.36 4.49 5.29 4.91 5.95 6.21 5.95
Price to Earnings (P/E)		 9.69 9.20 9.86 10.05 9.78 12.97 15.12 14.12 17.26 17.75 17.17
Dividend Yield		 0.92% 1.00% 0.96% 1.11% 1.16% 0.88% 0.76% 0.83% 0.69% 0.66% 0.69%
Earnings Yield		 10.32% 10.86% 10.14% 9.95% 10.23% 7.71% 6.61% 7.08% 5.79% 5.64% 5.82%
Enterprise Value to Invested Capital (EV/IC)		 0.00 1.35 1.21 1.12 1.11 1.70 2.25 1.84 2.42 2.26 2.20
Enterprise Value to Revenue (EV/Rev)		 0.00 2.28 2.11 2.05 2.06 3.27 4.28 3.58 4.74 4.50 4.34
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 4.50 4.23 4.31 4.27 6.69 8.68 7.28 9.90 9.46 9.30
Enterprise Value to EBIT (EV/EBIT)		 0.00 4.56 4.28 4.39 4.39 6.90 9.01 7.57 10.29 9.87 9.70
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 6.21 5.84 5.98 5.98 9.44 12.23 10.28 13.75 12.84 12.53
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 7.26 5.65 5.74 5.10 8.38 12.65 10.22 13.15 11.52 10.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 78.77 389.84 21.70 0.00 0.00 104.29 339.84 2,407.52 257.62 0.00
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		 0.00 8.47 8.45 8.04 7.89 7.81 8.06 7.88 7.85 7.75 8.08
Compound Leverage Factor		 0.00 8.47 8.45 8.04 7.89 7.81 8.06 7.88 7.85 7.75 8.08
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		 0.00% 100.00% 100.00% 100.00% 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)		 155 -27 -31 -18 -207 -36 -27 -32 -34 -33 -39
Operating Cash Flow to CapEx		 70.14% 1,451.62% 2,086.24% 1,379.81% 1,087.05% 1,348.53% 1,501.93% 903.95% 596.53% 1,215.53% 2,409.33%
Free Cash Flow to Firm to Interest Expense		 78.66 -12.52 -10.53 -5.64 -67.56 -10.88 -6.87 -8.26 -8.00 -6.80 -7.87
Operating Cash Flow to Interest Expense		 0.22 4.95 5.70 3.98 2.36 3.22 3.00 4.05 2.45 3.50 3.39
Operating Cash Flow Less CapEx to Interest Expense		 -0.09 4.61 5.43 3.69 2.14 2.98 2.80 3.60 2.04 3.21 3.25
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.08 0.08 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07
Fixed Asset Turnover		 0.00 40.97 42.79 43.87 41.67 47.21 49.55 43.19 38.25 39.96 43.01
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 0.00 186 199 207 217 233 237 251 264 279 290
Invested Capital Turnover		 0.00 0.66 0.64 0.59 1.08 0.58 0.57 0.57 0.56 0.55 0.56
Increase / (Decrease) in Invested Capital		 -146 37 40 28 217 47 39 44 46 47 53
Enterprise Value (EV)		 0.00 250 239 233 241 395 534 463 638 631 637
Market Capitalization		 369 370 405 391 394 542 660 636 801 871 873
Book Value per Share		 $0.00 $22.63 $24.20 $25.00 $26.22 $27.97 $28.49 $29.74 $31.15 $32.70 $33.81
Tangible Book Value per Share		 $0.00 $22.63 $24.20 $25.00 $26.22 $27.97 $28.49 $29.74 $31.15 $32.70 $33.81
Total Capital		 0.00 186 199 207 217 233 237 251 264 279 290
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		 0.00 -121 -165 -158 -153 -148 -126 -173 -163 -241 -236
Capital Expenditures (CapEx)		 0.62 0.74 0.79 0.93 0.66 0.78 0.78 1.75 1.76 1.38 0.70
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)		 0.11 0.15 0.26 0.46 0.71 0.44 0.62 0.70 0.70 0.72 0.71
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $1.27 $1.28 $1.29 $1.34 $1.45 $1.50 $1.43 $1.48 $1.74 $1.65
Adjusted Weighted Average Basic Shares Outstanding		 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M 8.54M 8.57M 8.64M
Adjusted Diluted Earnings per Share		 $0.00 $1.17 $1.17 $1.20 $1.25 $1.34 $1.35 $1.33 $1.38 $1.62 $1.54
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M 8.54M 8.57M 8.64M
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		 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M 8.46M 8.54M 8.57M 8.64M
Normalized Net Operating Profit after Tax (NOPAT)		 9.11 9.84 9.88 10 10 11 12 11 12 14 13
Normalized NOPAT Margin		 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56% 33.79% 33.18% 37.41% 34.18%
Pre Tax Income Margin		 46.61% 47.05% 46.78% 46.78% 46.95% 48.75% 47.41% 45.95% 42.54% 46.48% 44.25%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.35 6.11 4.67 4.26 4.69 4.75 4.02 3.97 3.56 3.64 3.52
NOPAT to Interest Expense		 4.64 4.52 3.41 3.13 3.42 3.47 3.02 2.92 2.78 2.93 2.72
EBIT Less CapEx to Interest Expense		 6.03 5.77 4.40 3.97 4.47 4.52 3.82 3.53 3.15 3.36 3.38
NOPAT Less CapEx to Interest Expense		 4.32 4.18 3.14 2.84 3.21 3.23 2.82 2.47 2.37 2.65 2.58
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 8.40% 8.35% 9.07% 10.61% 10.76% 11.15% 11.10% 11.25% 11.41% 11.29% 11.53%
Augmented Payout Ratio		 9.15% 9.06% 9.77% 10.66% 10.76% 11.15% 11.10% 11.25% 11.41% 11.29% 11.53%

Financials Breakdown Chart

Key Financial Trends

Esquire Financial Holdings, Inc. (NASDAQ: ESQ) has shown a generally positive trajectory across its 2022–2025 quarters, with improving earnings, a growing loan book, and strong operating cash flow. Below are the key four-year trends distilled from the quarterly statements provided.

  • Profitability and earnings per share: Consolidated net income for Q4 2025 was $13.468 million, with basic earnings per share of $1.65 and diluted $1.54, reflecting a solid four-year improvement in profitability and shareholder value.
  • Top-line growth: Total revenue rose to $39.398 million in Q4 2025, supported by robust net interest income of $33.279 million, indicating a healthy earnings mix and demand for banking services.
  • Strong operating cash flow: Net cash from continuing operating activities was $16.793 million in Q4 2025, consistent with positive cash generation across recent quarters and years.
  • Funding strength via deposits: Net change in deposits reached $183.567 million in Q4 2025, signaling strong funding growth to support lending and balance sheet expansion.
  • Balance sheet growth and loan book expansion: Loans and leases, net of allowance, rose to about $1.526 billion by Q3 2025, part of a broader asset base near $2.18 billion, supporting continued lending activity.
  • Steady dividend policy: Cash dividends per share remained at $0.175 across 2025, indicating a stable return policy for shareholders.
  • Non-interest income remains relatively steady: Total non-interest income stayed in the $6.1–$6.3 million range across quarters, providing diversification to net interest income without excessive volatility.
  • Credit loss provisioning fluctuates modestly: Provision for credit losses varied quarter-to-quarter in 2025 (roughly $1.5–$2.9 million), suggesting some sensitivity to portfolio quality but without a clear, sustained uptrend.
  • Investing cash flow remains a drag: Net cash from investing activities was negative in major quarters, with Q4 2025 at about -$199.6 million due to investment securities purchases, weighing on overall cash flow.
  • Cash balance impact in Q4 2025: Despite positive operating cash flow, the net change in cash and equivalents for Q4 2025 was negative at about -$4.872 million, reflecting the heavier investing and financing activity during the quarter.
05/06/26 05:22 PM ETAI Generated. May Contain Errors.

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 2025 ended on December 31, 2025.

How has Esquire Financial's net income changed over the last 10 years?

Esquire Financial's net income appears to be on an upward trend, with a most recent value of $50.82 million in 2025, rising from $1.17 million in 2015. The previous period was $43.66 million in 2024. View Esquire Financial's forecast to see where analysts expect Esquire Financial to go next.

How has Esquire Financial's revenue changed over the last 10 years?

Over the last 10 years, Esquire Financial's total revenue changed from $14.94 million in 2015 to $146.56 million in 2025, a change of 881.2%.

How much debt does Esquire Financial have?

Esquire Financial's total liabilities were at $2.08 billion at the end of 2025, a 25.4% increase from 2024, and a 457.1% increase since 2016.

How much cash does Esquire Financial have?

In the past 8 years, Esquire Financial's cash and equivalents has ranged from $0.00 in 2016 to $235.89 million in 2025, and is currently $235.89 million as of their latest financial filing in 2025.

How has Esquire Financial's book value per share changed over the last 10 years?

Over the last 10 years, Esquire Financial's book value per share changed from 0.00 in 2015 to 33.81 in 2025, a change of 3,381.0%.


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Financial statements for NASDAQ:ESQ last updated on 4/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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