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 Dec 31, 2025 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).

Financial Health Signals

Financial Profile 55/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

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.

Returns

Esquire Finl Hldgs Inc's ROE of 17.5% shows moderate profitability relative to equity, earning a score of 50/100. This is down from 18.4% the prior year.

Piotroski F-Score Weak

3/9

Esquire Finl Hldgs Inc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, Esquire Finl Hldgs Inc generates $1.18 in operating cash flow ($59.8M OCF vs $50.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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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

$50.8M

YoY+16.4%

5Y CAGR+32.1%

10Y CAGR+45.8%

Esquire Finl Hldgs Inc reported $50.8M in net income in fiscal year 2025. This represents an increase of 16.4% from the prior year.

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

36.4%

YoY-2.1pp

5Y CAGR+3.8pp

10Y CAGR+27.0pp

Esquire Finl Hldgs Inc's net profit margin was 36.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.1 percentage points from the prior year.

Return on Equity

17.5%

YoY-0.9pp

5Y CAGR+7.5pp

10Y CAGR+15.2pp

Esquire Finl Hldgs Inc's ROE was 17.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the prior year.

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	N/A	N/A	N/A	N/A	N/A	N/A
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	$50.8M+16.4%	$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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$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+5.0%	$26.1M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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-4.6%	$3.2M
Income Tax	$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+6.9%	$3.6M
Net Income	$13.5M-4.2%	$14.1M+18.2%	$11.9M+4.2%	$11.4M-2.9%	$11.8M+3.5%	$11.4M+8.3%	$10.5M+4.3%	$10.1M
EPS (Diluted)	N/A	$1.62+17.4%	$1.38+3.8%	$1.33	N/A	$1.34+7.2%	$1.25+4.2%	$1.20

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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$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+3.7%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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-3.5%	$158.2M
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+9.0%	$1.9B+6.0%	$1.8B+5.4%	$1.7B+2.9%	$1.7B+6.8%	$1.5B+3.4%	$1.5B+3.5%	$1.4B
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	$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+5.0%	$207.1M
Retained Earnings	$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+7.5%	$123.1M

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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$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-43.5%	$12.8M
Capital Expenditures	$340K-32.7%	$505K-56.6%	$1.2M+1.0%	$1.2M+1271.4%	$84K+58.5%	$53K-84.5%	$342K+45.5%	$235K
Free Cash Flow	$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-45.2%	$12.5M
Investing Cash Flow	-$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-42.5%	-$45.2M
Financing Cash Flow	$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+103.1%	$25.4M
Dividends Paid	$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-1.1%	$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	36.4%-2.1pp	38.5%-6.1pp	44.6%-2.1pp	46.8%+6.5pp	40.3%+7.6pp	32.7%
Return on Equity	17.5%-0.9pp	18.4%-2.2pp	20.6%+2.5pp	18.1%+5.6pp	12.5%+2.5pp	10.0%
Return on Assets	2.1%-0.2pp	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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	35.2%-3.7pp	38.9%+3.5pp	35.4%-0.8pp	36.2%-2.0pp	38.2%-0.8pp	39.0%+0.7pp	38.3%-0.3pp	38.6%
Return on Equity	4.7%-0.4pp	5.0%+0.5pp	4.5%-0.0pp	4.5%-0.4pp	5.0%+0.1pp	4.9%+0.1pp	4.8%-0.0pp	4.9%
Return on Assets	0.6%-0.1pp	0.6%+0.1pp	0.6%0.0pp	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	7.17+0.3	6.820.0	6.82+0.0	6.80-0.2	6.98+0.3	6.66-0.2	6.89-0.1	6.99
FCF Margin	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%-23.0pp	48.1%

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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.

Is Esquire Finl Hldgs Inc profitable?

Yes, Esquire Finl Hldgs Inc (ESQ) reported a net income of $50.8M in fiscal year 2025, with a net profit margin of 36.4%.

What is Esquire Finl Hldgs Inc's net profit margin?

Esquire Finl Hldgs Inc (ESQ) had a net profit margin of 36.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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 return on equity (ROE)?

Esquire Finl Hldgs Inc (ESQ) has a return on equity of 17.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

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.

What is Esquire Finl Hldgs Inc's return on assets (ROA)?

Esquire Finl Hldgs Inc (ESQ) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Esquire Finl Hldgs Inc's Piotroski F-Score?

Esquire Finl Hldgs Inc (ESQ) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Esquire Finl Hldgs Inc's earnings high quality?

Esquire Finl Hldgs Inc (ESQ) has an earnings quality ratio of 1.18x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Esquire Finl Hldgs Inc?

Esquire Finl Hldgs Inc (ESQ) scores 55 out of 100 on our Financial Profile, indicating moderate 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.