What is Esquire Finl Hldgs Inc's earnings per share (EPS)?

Esquire Finl Hldgs Inc (ESQ) reported diluted earnings per share of $5.87 for fiscal year 2025. This represents a 14.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Esquire Finl Hldgs Inc Financials

ESQ

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Esquire Finl Hldgs Inc (ESQ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 11 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ESQ FY2025 2026-05-11

Esquire’s profit model depends on scaling a heavily leveraged balance sheet faster than funding costs erode returns.

From FY2023 to FY2025, total assets rose from $1.6B to $2.4B, showing the business is scaling primarily through a larger balance sheet rather than through a materially different cost structure. Net income reached $50.8M even as ROA eased to 2.2% from an earlier peak, which means growth is coming with slightly lower asset productivity instead of stronger unit economics.

FY2025 operating cash flow of $59.8M exceeded net income of $50.8M, so reported earnings were backed by cash rather than depending on accounting accruals alone. With only $3.2M of capital spending, this remains a low-capital-intensity model where most operating cash is still available after reinvestment.

Large investing outflows of -$362.1M were more than offset by $411.8M of financing inflows in FY2025, which means balance-sheet expansion relied on outside funding instead of internally generated cash alone. That helps explain why interest expense reached $17.9M while net margin compressed to 36.5%: scale is still profitable, but funding costs are taking a bigger share of revenue.

Financial Health Signals

Financial Profile 38/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Esquire Finl Hldgs Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Esquire Finl Hldgs Inc's revenue surged 23.0% year-over-year to $139.4M, reflecting rapid business expansion. This strong growth earns a score of 72/100.

Leverage

Esquire Finl Hldgs Inc has elevated debt relative to equity (D/E of 7.17), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Esquire Finl Hldgs Inc converts 40.6% of revenue into free cash flow ($56.7M). This strong cash generation earns a score of 100/100.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$139.4M

YoY+23.0%

5Y CAGR+29.3%

10Y CAGR+27.3%

Esquire Finl Hldgs Inc generated $139.4M in revenue in fiscal year 2025. This represents an increase of 23.0% from the prior year.

EBITDA

N/A

Net Income

N/A

EPS (Diluted)

$5.87

YoY+14.2%

5Y CAGR+28.9%

10Y CAGR+37.1%

Esquire Finl Hldgs Inc earned $5.87 per diluted share (EPS) in fiscal year 2025. This represents an increase of 14.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$56.7M

YoY+36.6%

5Y CAGR+30.7%

10Y CAGR+43.9%

Esquire Finl Hldgs Inc generated $56.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 36.6% from the prior year.

Cash & Debt

$235.9M

YoY+86.7%

5Y CAGR+29.3%

Esquire Finl Hldgs Inc held $235.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.70

YoY+16.7%

Esquire Finl Hldgs Inc paid $0.70 per share in dividends in fiscal year 2025. This represents an increase of 16.7% from the prior year.

Shares Outstanding

YoY+2.4%

5Y CAGR+1.9%

Esquire Finl Hldgs Inc had 9M shares outstanding in fiscal year 2025. This represents an increase of 2.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$3.2M

YoY+342.7%

5Y CAGR+33.3%

10Y CAGR+43.6%

Esquire Finl Hldgs Inc invested $3.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 342.7% from the prior year.

ESQ Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$139.4M+23.0%	$113.4M+23.4%	$91.9M+50.7%	$61.0M+37.0%	$44.5M+15.3%	$38.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$42.3M+11.8%	$37.8M+16.5%	$32.5M+26.0%	$25.8M+18.6%	$21.7M+28.9%	$16.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$17.9M+33.4%	$13.4M+65.7%	$8.1M+392.7%	$1.6M+98.9%	$828K-30.4%	$1.2M
Income Tax	$14.8M-5.1%	$15.6M+5.1%	$14.9M+44.6%	$10.3M+115.0%	$4.8M+5.1%	$4.5M
Net Income	N/A	$43.7M+6.5%	$41.0M+43.8%	$28.5M+59.1%	$17.9M+42.1%	$12.6M
EPS (Diluted)	$5.87+14.2%	$5.14+4.7%	$4.91+41.5%	$3.47+53.5%	$2.26+37.0%	$1.65

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$39.0M+2.1%	$38.2M+5.8%	$36.1M+7.7%	$33.5M+6.4%	$31.5M+2.4%	$30.8M+5.7%	$29.1M+6.4%	$27.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.2M+9.3%	$11.2M+3.0%	$10.9M+6.2%	$10.2M+1.5%	$10.1M+4.5%	$9.6M+1.1%	$9.5M0.0%	$9.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.0M+1.4%	$5.0M+3.5%	$4.8M+11.9%	$4.3M+9.7%	$3.9M+0.2%	$3.9M+19.1%	$3.3M+6.9%	$3.1M
Income Tax	$4.9M+23.3%	$4.0M+16.5%	$3.4M+1.5%	$3.4M-18.3%	$4.1M+4.8%	$3.9M-6.8%	$4.2M+8.4%	$3.9M
Net Income	$12.2M	N/A	$14.1M+18.2%	$11.9M+4.2%	$11.4M-2.9%	$11.8M+3.5%	$11.4M+8.3%	$10.5M
EPS (Diluted)	$1.40	N/A	$1.62+17.4%	$1.38+3.8%	$1.33	N/A	$1.34+7.2%	$1.25

ESQ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.4B+25.0%	$1.9B+17.0%	$1.6B+15.9%	$1.4B+18.4%	$1.2B+25.8%	$936.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$235.9M+86.7%	$126.3M-23.5%	$165.2M+0.7%	$164.1M+10.0%	$149.2M+128.8%	$65.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.1B+25.4%	$1.7B+16.7%	$1.4B+14.6%	$1.2B+19.6%	$1.0B+27.7%	$810.6M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$289.6M+22.1%	$237.1M+19.4%	$198.6M+26.0%	$157.6M+9.6%	$143.7M+14.0%	$126.1M
Retained Earnings	$197.8M+29.3%	$152.9M+33.8%	$114.3M+47.0%	$77.7M+51.0%	$51.5M+53.5%	$33.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.4B+2.3%	$2.4B+8.3%	$2.2B+6.0%	$2.1B+5.4%	$2.0B+3.3%	$1.9B+6.2%	$1.8B+3.9%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$222.2M-5.8%	$235.9M-2.0%	$240.8M+47.7%	$163.0M-5.8%	$173.0M+37.0%	$126.3M-14.4%	$147.7M-3.3%	$152.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.1B+2.1%	$2.1B+9.0%	$1.9B+6.0%	$1.8B+5.4%	$1.7B+2.9%	$1.7B+6.8%	$1.5B+3.4%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$301.3M+4.0%	$289.6M+3.7%	$279.2M+5.9%	$263.6M+5.1%	$250.7M+5.7%	$237.1M+1.9%	$232.6M+7.0%	$217.4M
Retained Earnings	$208.3M+5.3%	$197.8M+6.4%	$185.8M+7.2%	$173.3M+6.4%	$162.9M+6.5%	$152.9M+7.4%	$142.4M+7.6%	$132.3M

ESQ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$59.8M+41.8%	$42.2M-0.4%	$42.4M+9.3%	$38.8M+29.0%	$30.1M+92.9%	$15.6M
Capital Expenditures	$3.2M+342.7%	$714K+18.0%	$605K+728.8%	$73K-92.7%	$1.0M+33.9%	$750K
Free Cash Flow	$56.7M+36.6%	$41.5M-0.7%	$41.8M+7.9%	$38.7M+33.2%	$29.1M+95.9%	$14.8M
Investing Cash Flow	-$362.1M-17.5%	-$308.3M-43.1%	-$215.4M+2.8%	-$221.5M-29.9%	-$170.5M-25.9%	-$135.4M
Financing Cash Flow	$411.8M+81.3%	$227.2M+30.5%	$174.1M-11.9%	$197.7M-11.9%	$224.4M+82.1%	$123.2M
Dividends Paid	$5.9M+20.9%	$4.8M+30.3%	$3.7M+73.1%	$2.1M	N/A	N/A
Share Buybacks	N/A	N/A	$286K	N/A	N/A	$567K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$19.5M+16.2%	$16.8M+0.3%	$16.8M+59.7%	$10.5M-33.7%	$15.8M+35.3%	$11.7M+10.9%	$10.5M+45.9%	$7.2M
Capital Expenditures	$180K-47.1%	$340K-32.7%	$505K-56.6%	$1.2M+1.0%	$1.2M+1271.4%	$84K+58.5%	$53K-84.5%	$342K
Free Cash Flow	$19.3M+17.5%	$16.5M+1.3%	$16.2M+74.2%	$9.3M-36.4%	$14.7M+26.4%	$11.6M+10.7%	$10.5M+52.4%	$6.9M
Investing Cash Flow	-$71.2M+64.3%	-$199.6M-469.5%	-$35.0M+69.2%	-$113.8M-737.5%	-$13.6M+89.9%	-$134.6M-109.9%	-$64.1M+0.4%	-$64.4M
Financing Cash Flow	$38.0M-78.6%	$178.0M+85.2%	$96.1M+3.0%	$93.3M+109.6%	$44.5M-56.2%	$101.5M+109.3%	$48.5M-6.1%	$51.7M
Dividends Paid	$1.7M+1.3%	$1.6M+15.1%	$1.4M+1.2%	$1.4M+0.3%	$1.4M+6.1%	$1.3M+12.4%	$1.2M+0.3%	$1.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

ESQ Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	38.5%-6.1pp	44.6%-2.1pp	46.8%+6.5pp	40.3%+7.6pp	32.7%
Return on Equity	N/A	18.4%-2.2pp	20.6%+2.5pp	18.1%+5.6pp	12.5%+2.5pp	10.0%
Return on Assets	N/A	2.3%-0.2pp	2.5%+0.5pp	2.0%+0.5pp	1.5%+0.2pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.17+0.2	6.98-0.2	7.14-0.7	7.85+0.7	7.20+0.8	6.43
FCF Margin	40.6%+4.0pp	36.6%-8.9pp	45.5%-18.0pp	63.5%-1.8pp	65.3%+26.9pp	38.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	31.3%	N/A	38.9%+3.5pp	35.4%-0.8pp	36.2%-2.0pp	38.2%-0.8pp	39.0%+0.7pp	38.3%
Return on Equity	4.0%	N/A	5.0%+0.5pp	4.5%-0.0pp	4.5%-0.4pp	5.0%+0.1pp	4.9%+0.1pp	4.8%
Return on Assets	0.5%	N/A	0.6%+0.1pp	0.6%0.0pp	0.6%-0.0pp	0.6%-0.0pp	0.6%+0.0pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.04-0.1	7.17+0.3	6.820.0	6.82+0.0	6.80-0.2	6.98+0.3	6.66-0.2	6.89
FCF Margin	49.5%+6.5pp	43.0%-1.9pp	45.0%+17.2pp	27.8%-18.7pp	46.5%+8.8pp	37.7%+1.7pp	36.0%+10.9pp	25.1%

Similar Companies

Equity Bancshare EQBK

$948.9M

Metropolitan Bank MCB

$1.1B

Hbt Financial, Inc. HBT

$1.0B

Mercantile Bk Corp MBWM

$901.7M

Cnb Financial CCNE

$908.1M

Frequently Asked Questions

What is Esquire Finl Hldgs Inc's annual revenue?

Esquire Finl Hldgs Inc (ESQ) reported $139.4M in total revenue for fiscal year 2025. This represents a 23.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Esquire Finl Hldgs Inc's revenue growing?

Esquire Finl Hldgs Inc (ESQ) revenue grew by 23% year-over-year, from $113.4M to $139.4M in fiscal year 2025.

Does Esquire Finl Hldgs Inc pay dividends?

Yes, Esquire Finl Hldgs Inc (ESQ) paid $0.70 per share in dividends during fiscal year 2025.

What is Esquire Finl Hldgs Inc's free cash flow?

Esquire Finl Hldgs Inc (ESQ) generated $56.7M in free cash flow during fiscal year 2025. This represents a 36.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Esquire Finl Hldgs Inc's operating cash flow?

Esquire Finl Hldgs Inc (ESQ) generated $59.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Esquire Finl Hldgs Inc's total assets?

Esquire Finl Hldgs Inc (ESQ) had $2.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Esquire Finl Hldgs Inc's capital expenditures?

Esquire Finl Hldgs Inc (ESQ) invested $3.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Esquire Finl Hldgs Inc have outstanding?

Esquire Finl Hldgs Inc (ESQ) had 9M shares outstanding as of fiscal year 2025.

What is Esquire Finl Hldgs Inc's debt-to-equity ratio?

Esquire Finl Hldgs Inc (ESQ) had a debt-to-equity ratio of 7.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

How financially healthy is Esquire Finl Hldgs Inc?

Esquire Finl Hldgs Inc (ESQ) scores 38 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.