What is Esquire Financial Holdings, Inc.'s earnings per share (EPS)?

Esquire Financial Holdings, 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 Financial Holdings, Inc. (ESQ) Financials

ESQ

Trailing 12 months to June 30, 2026

Revenue $159.6M +18.6% YoY

EPS (Diluted) $6.06 +12.0% YoY

Free Cash Flow $66.4M +44.1% YoY

Operating Cash Flow $67.6M +39.3% YoY

Market Cap $1.4B as of Oct 17, 2026

Price / Sales 9.0x on $159.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m no net income reported

Price / Book 4.6x on $313.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ESQ SEC filings page.

Esquire Financial Holdings, Inc. (ESQ) reported $159.6M in revenue over the twelve months to Jun 30, 2026, up 18.6% from the prior twelve months. This page shows its 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 2026-10-04

Asset growth is liability-funded, while operating inflows convert into cash with relatively limited reinvestment.

From FY2021 to FY2025, assets nearly doubled while debt-to-equity stayed around 7x; expansion therefore relied mainly on liabilities rather than a proportionate increase in equity. Cash conversion was also consistent: free cash flow equaled 98.3% of operating cash flow in FY2024 and 94.7% in FY2025, so the financing-heavy structure did not translate into heavy operating reinvestment.

Balance-sheet expansion was substantial, with assets rising from $1.18B in FY2021 to $2.37B in FY2025, indicating a much larger operating and financial base. Debt-to-equity remained near 7x across that span, so liabilities continued to do most of the financing work even though equity also roughly doubled.

Asset efficiency improved through FY2024: return on assets rose from 1.5% in FY2021 to 2.3% in FY2024, indicating better earnings produced per asset dollar before the latest year's missing net-income data. Meanwhile, free cash flow stayed close to operating cash flow in FY2024 and FY2025 even as capital spending rose, meaning operating inflows were largely retained after reinvestment.

Financial Health Signals

Financial Health Score 60/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Esquire Financial Holdings, 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.

Earnings

Earnings measures the profit a bank makes on the assets it carries, averaged over three years so one good year does not decide it. Esquire Financial Holdings, Inc. scores 94/100 on it among other banks.

Growth

Esquire Financial Holdings, Inc. reported revenue of $146.6M in fiscal year 2025, against $124.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Esquire Financial Holdings, Inc. scores 70/100 among other banks.

Capital

Esquire Financial Holdings, Inc. funded 12.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $289.6M of equity against $2.4B of assets. Capital ranks banks on that cushion, and Esquire Financial Holdings, Inc. scores 61/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Esquire Financial Holdings, Inc. scores 90/100 on it among other banks.

Credit Quality

Not available for Esquire Financial Holdings, Inc., and counted as zero in the overall score.

Stability

Stability measures how much a bank's earnings swing from year to year, since a steady result is worth more than an average one that arrives unevenly. Esquire Financial Holdings, Inc. scores 44/100 on it among other banks.

Key Financial Metrics

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Earnings & Revenue

Revenue

$42.1M

YoY+17.6%

QoQ+4.1%

5Y CAGR+21.2%

Esquire Financial Holdings, Inc. generated $42.1M in revenue in Q2 2026. This represents an increase of 17.6% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.

Net Income

$13.0M

YoY+9.2%

QoQ+6.3%

Esquire Financial Holdings, Inc. reported $13.0M in net income in Q2 2026. This represents an increase of 9.2% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.

EPS (Diluted)

$1.49

YoY+8.0%

QoQ+6.4%

5Y CAGR+21.2%

10Y CAGR+25.8%

Esquire Financial Holdings, Inc. earned $1.49 per diluted share (EPS) in Q2 2026. This represents an increase of 8.0% from the same quarter a year earlier. Against the prior quarter it is up 6.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$14.4M

YoY+54.0%

QoQ-25.7%

5Y CAGR+37.9%

Esquire Financial Holdings, Inc. generated $14.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 54.0% from the same quarter a year earlier. Against the prior quarter it is down 25.7%.

Cash & Debt

$242.2M

YoY+48.6%

QoQ+9.0%

5Y CAGR+10.7%

Esquire Financial Holdings, Inc. held $242.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.20

YoY+14.3%

QoQ0.0%

Esquire Financial Holdings, Inc. paid $0.20 per share in dividends in Q2 2026. This represents an increase of 14.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

12M

YoY+41.8%

QoQ+40.1%

5Y CAGR+9.1%

Esquire Financial Holdings, Inc. had 12M shares outstanding in Q2 2026. This represents an increase of 41.8% from the same quarter a year earlier. Against the prior quarter it is up 40.1%.

Margins & Returns

Net Margin

30.8%

YoY-2.4pp

QoQ+0.6pp

Esquire Financial Holdings, Inc.'s net profit margin was 30.8% in Q2 2026, showing the share of revenue converted to profit. This is down 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Return on Equity

4.1%

YoY-0.4pp

QoQ+0.1pp

Esquire Financial Holdings, Inc.'s ROE was 4.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$162K

YoY-86.1%

QoQ-10.0%

5Y CAGR-0.1%

Esquire Financial Holdings, Inc. invested $162K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 86.1% from the same quarter a year earlier. Against the prior quarter it is down 10.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

ESQ Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ESQ quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Revenue	$159.6M	$146.6M+17.4%	$124.8M+10.0%	$113.5M+34.7%	$84.3M+30.2%	$64.7M+24.3%	$52.1M+13.4%	$45.9M+29.0%	$35.6M+40.3%	$25.4M+28.3%	$19.8M+32.4%	$14.9M
SG&A Expenses	$46.9M	$42.3M+11.8%	$37.8M+16.5%	$32.5M+26.0%	$25.8M+18.6%	$21.7M+28.9%	$16.9M+15.0%	$14.7M+12.6%	$13.0M+29.5%	$10.1M+22.2%	$8.2M+31.9%	$6.3M
Interest Expense	$20.3M	$17.9M+33.4%	$13.4M+65.7%	$8.1M+392.7%	$1.6M+98.9%	$828K-30.4%	$1.2M-53.3%	$2.5M+110.2%	$1.2M+125.3%	$538K+5.3%	$511K+11.8%	$457K
Income Tax	$17.4M	$14.8M-5.1%	$15.6M+5.1%	$14.9M+44.6%	$10.3M+115.0%	$4.8M+5.1%	$4.5M-8.9%	$5.0M+56.6%	$3.2M-5.9%	$3.4M+92.0%	$1.8M+166.0%	$664K
Net Income	N/A	N/A	$43.7M+6.5%	$41.0M+43.8%	$28.5M+59.1%	$17.9M+42.1%	$12.6M-10.8%	$14.1M+61.9%	$8.7M+139.7%	$3.6M+29.1%	$2.8M+140.8%	$1.2M
EPS (Basic)	N/A	$6.30+12.9%	$5.58+5.1%	$5.31+42.4%	$3.73+55.4%	$2.40+41.2%	$1.70-11.0%	$1.91+61.9%	$1.18+100.0%	$0.59+5.4%	$0.56+124.0%	$0.25
EPS (Diluted)	$6.06	$5.87+14.2%	$5.14+4.7%	$4.91+41.5%	$3.47+53.5%	$2.26+37.0%	$1.65-9.3%	$1.82+61.1%	$1.13+94.8%	$0.58+5.5%	$0.55+120.0%	$0.25
Diluted Shares (Avg)	N/A	9M+2.1%	8M+1.7%	8M+1.6%	8M+3.4%	8M+4.0%	8M-1.8%	8M+0.7%	8M+24.1%	6M+24.9%	5M+11.1%	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$42.1M+17.6%	$40.5M+19.8%	$39.4M+19.2%	$37.6M+17.7%	$35.8M+17.1%	$33.8M+15.4%	$33.1M+14.2%	$31.9M+13.0%
SG&A Expenses	$12.6M+23.4%	$12.2M+21.4%	$11.2M+16.1%	$10.9M+13.9%	$10.2M+7.3%	$10.1M+9.9%	$9.6M+10.0%	$9.5M+12.9%
Interest Expense	$5.6M+29.7%	$5.0M+28.8%	$5.0M+27.2%	$4.8M+46.4%	$4.3M+39.8%	$3.9M+21.6%	$3.9M+34.6%	$3.3M+50.4%
Income Tax	$5.1M+53.5%	$4.9M+19.1%	$4.0M+1.3%	$3.4M-19.0%	$3.4M-13.5%	$4.1M+13.2%	$3.9M+7.2%	$4.2M+21.6%
Net Income	$13.0M+9.2%	$12.2M+7.0%	N/A	$14.1M+23.7%	$11.9M+13.4%	$11.4M+13.4%	$11.8M+18.9%	$11.4M+15.5%
EPS (Basic)	$1.57+6.1%	$1.48+3.5%	$1.65+10.7%	$1.74+20.0%	$1.48+10.4%	$1.43+10.9%	$1.49+17.3%	$1.45+14.2%
EPS (Diluted)	$1.49+8.0%	$1.40+5.3%	$1.55+14.0%	$1.62+20.9%	$1.38+10.4%	$1.33+10.8%	$1.36+16.2%	$1.34+14.5%
Diluted Shares (Avg)	9M+1.0%	9M+1.1%	N/A	9M+2.2%	9M+2.8%	9M+2.4%	N/A	9M+1.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

ESQ Balance Sheet

ESQ quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Total Assets	$2.4B+25.0%	$1.9B+17.0%	$1.6B+15.9%	$1.4B+18.4%	$1.2B+25.8%	$936.7M+17.4%	$798.0M+20.2%	$663.9M+24.4%	$533.6M+25.6%	$424.8M	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+5.5%	$61.8M+102.2%	$30.6M-29.1%	$43.1M+0.2%	$43.0M	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	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+18.0%	$686.9M+20.3%	$571.1M+26.9%	$450.2M+20.8%	$372.6M	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+13.5%	$111.1M+19.7%	$92.8M+11.3%	$83.4M+59.8%	$52.2M+5.6%	$49.4M
Retained Earnings	$197.8M+29.3%	$152.9M+33.8%	$114.3M+47.0%	$77.7M+51.0%	$51.5M+53.5%	$33.5M+60.3%	$20.9M+208.8%	$6.8M+445.6%	-$2.0M+66.4%	-$5.8M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.5B+21.9%	$2.4B+23.9%	$2.4B+25.0%	$2.2B+22.5%	$2.1B+20.1%	$2.0B+18.1%	$1.9B+17.0%	$1.8B+20.2%
Cash & Equivalents	$242.2M+48.6%	$222.2M+28.4%	$235.9M+86.7%	$240.8M+63.0%	$163.0M+6.7%	$173.0M+9.4%	$126.3M-23.5%	$147.7M+22.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$2.2B+22.3%	$2.1B+24.4%	$2.1B+25.4%	$1.9B+22.9%	$1.8B+19.9%	$1.7B+17.7%	$1.7B+16.7%	$1.5B+19.5%
Total Equity	$313.9M+19.1%	$301.3M+20.2%	$289.6M+22.1%	$279.2M+20.1%	$263.6M+21.2%	$250.7M+21.1%	$237.1M+19.4%	$232.6M+25.3%
Retained Earnings	$219.5M+26.7%	$208.3M+27.9%	$197.8M+29.3%	$185.8M+30.5%	$173.3M+30.9%	$162.9M+32.3%	$152.9M+33.8%	$142.4M+35.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

ESQ Cash Flow Statement

ESQ quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Operating Cash Flow	$67.6M	$59.8M+41.8%	$42.2M-0.4%	$42.4M+9.3%	$38.8M+29.0%	$30.1M+92.9%	$15.6M-4.4%	$16.3M+61.3%	$10.1M+154.1%	$4.0M-37.0%	$6.3M+302.7%	$1.6M
Depreciation & Amortization	N/A	$1.2M+38.4%	$880K+24.5%	$707K+0.6%	$703K+2.3%	$687K+21.0%	$568K+12.3%	$506K+20.2%	$421K+2.4%	$411K0.0%	$411K+147.6%	$166K
Stock-Based Compensation	N/A	$5.0M+29.1%	$3.8M+19.2%	$3.2M+31.7%	$2.4M+24.4%	$2.0M+299.4%	$492K-5.6%	$521K-48.3%	$1.0M+81.8%	$554K+42.8%	$388K+181.2%	$138K
Capital Expenditures	$1.2M	$3.2M+342.7%	$714K+18.0%	$605K+728.8%	$73K-92.7%	$1.0M+33.9%	$750K+15.9%	$647K+13.7%	$569K+199.5%	$190K-92.9%	$2.7M+3036.5%	$85K
Free Cash Flow	$66.4M	$56.7M+36.6%	$41.5M-0.7%	$41.8M+7.9%	$38.7M+33.2%	$29.1M+95.9%	$14.8M-5.3%	$15.7M+64.1%	$9.5M+151.9%	$3.8M+3.7%	$3.7M+146.2%	$1.5M
Investing Cash Flow	-$375.9M	-$362.1M-17.5%	-$308.3M-43.1%	-$215.4M+2.8%	-$221.5M-29.9%	-$170.5M-25.9%	-$135.4M-39.2%	-$97.3M+31.8%	-$142.7M-31.2%	-$108.8M-65.9%	-$65.6M	N/A
Financing Cash Flow	$387.5M	$411.8M+81.3%	$227.2M+30.5%	$174.1M-11.9%	$197.7M-11.9%	$224.4M+82.1%	$123.2M+9.8%	$112.2M-6.6%	$120.1M+14.5%	$104.9M+51.8%	$69.1M	N/A
Dividends Paid	$6.4M	$5.9M+20.9%	$4.8M+30.3%	$3.7M+73.1%	$2.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$286K	N/A	N/A	$567K	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$14.5M+38.4%	$19.5M+23.4%	$16.8M+43.7%	$16.8M+59.0%	$10.5M+45.3%	$15.8M+23.7%	$11.7M-29.3%	$10.5M-2.2%
Depreciation & Amortization	$371K+40.5%	$370K+42.3%	$369K+43.0%	$325K+29.0%	$264K+36.1%	$260K+47.7%	$258K+44.9%	$252K+40.0%
Stock-Based Compensation	N/A	$2.0M+87.5%	N/A	N/A	N/A	$1.1M+12.6%	N/A	N/A
Capital Expenditures	$162K-86.1%	$180K-84.4%	$340K+304.8%	$505K+852.8%	$1.2M+240.4%	$1.2M+390.2%	$84K-69.7%	$53K-70.9%
Free Cash Flow	$14.4M+54.0%	$19.3M+31.9%	$16.5M+41.8%	$16.2M+55.0%	$9.3M+35.6%	$14.7M+16.9%	$11.6M-28.6%	$10.5M-1.0%
Investing Cash Flow	-$70.0M+38.5%	-$71.2M-423.8%	-$199.6M-48.3%	-$35.0M+45.3%	-$113.8M-76.8%	-$13.6M+69.9%	-$134.6M-42.2%	-$64.1M-235.1%
Financing Cash Flow	$75.5M-19.1%	$38.0M-14.6%	$178.0M+75.2%	$96.1M+98.0%	$93.3M+80.5%	$44.5M+74.9%	$101.5M-17.2%	$48.5M+112.7%
Dividends Paid	$1.7M+18.9%	$1.7M+18.4%	$1.6M+24.0%	$1.4M+21.0%	$1.4M+20.0%	$1.4M+18.3%	$1.3M+16.6%	$1.2M+38.4%

Not reported in any period shown, so not listed: Share Buybacks.

ESQ Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ESQ quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Net Margin	N/A	35.0%-1.2pp	36.1%+2.3pp	33.8%+6.2pp	27.7%+3.5pp	24.2%-6.6pp	30.8%+6.3pp	24.5%+10.2pp	14.4%+0.1pp	14.3%+6.4pp	7.8%
Return on Equity	N/A	18.4%-2.2pp	20.6%+2.5pp	18.1%+5.6pp	12.5%+2.5pp	10.0%-2.7pp	12.7%+3.3pp	9.4%+5.0pp	4.4%-1.0pp	5.4%+3.0pp	2.4%
Return on Assets	N/A	2.3%-0.2pp	2.5%+0.5pp	2.0%+0.5pp	1.5%+0.2pp	1.4%-0.4pp	1.8%+0.5pp	1.3%+0.6pp	0.7%0.0pp	0.7%	N/A
Debt-to-Equity	7.17+0.2x	6.98-0.2x	7.14-0.7x	7.85+0.7x	7.20+0.8x	6.43+0.2x	6.190.0x	6.16+0.8x	5.40-1.7x	7.14	N/A
Asset Turnover	0.060.0x	0.070.0x	0.070.0x	0.060.0x	0.050.0x	0.060.0x	0.060.0x	0.050.0x	0.050.0x	0.05	N/A
FCF Margin	38.7%+5.4pp	33.3%-3.6pp	36.8%-9.1pp	46.0%+1.0pp	44.9%+16.4pp	28.5%-5.6pp	34.1%+7.3pp	26.8%+11.9pp	14.9%-3.5pp	18.5%+8.5pp	9.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.8%-2.4pp	30.2%-3.6pp	N/A	37.4%+1.8pp	33.2%-1.1pp	33.8%-0.6pp	35.6%+1.4pp	35.6%+0.8pp
Return on Equity	4.1%-0.4pp	4.0%-0.5pp	N/A	5.0%+0.1pp	4.5%-0.3pp	4.5%-0.3pp	5.0%0.0pp	4.9%-0.4pp
Return on Assets	0.5%-0.1pp	0.5%-0.1pp	N/A	0.6%0.0pp	0.6%0.0pp	0.6%0.0pp	0.6%0.0pp	0.6%0.0pp
Debt-to-Equity	7.00+0.2x	7.04+0.2x	7.17+0.2x	6.82+0.2x	6.82-0.1x	6.80-0.2x	6.98-0.2x	6.66-0.3x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	34.1%+8.1pp	47.8%+4.4pp	41.8%+6.7pp	43.2%+10.4pp	26.0%+3.5pp	43.4%+0.5pp	35.1%-21.0pp	32.8%-4.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Esquire Financial Holdings, Inc. ESQ	FY2025	$146.6M	N/A	N/A	$1.4B	60/100
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$978.3M	35/100
Metropolitan Bank Holding Corp. MCB	FY2025	$315.1M	$71.1M	22.6%	$1.1B	53/100
HBT Financial, Inc. HBT	FY2025	$237.1M	$77.0M	32.5%	$1.3B	55/100
Mercantile Bank Corp MBWM	FY2025	$242.7M	$88.8M	36.6%	$1.0B	64/100
CNB Financial Corp/PA CCNE	FY2025	$282.2M	$66.1M	23.4%	$1.0B	48/100

Where Esquire Financial Holdings, Inc. Ranks

Frequently Asked Questions

What is Esquire Financial Holdings, Inc.'s annual revenue?

Esquire Financial Holdings, Inc. (ESQ) reported $146.6M in total revenue for fiscal year 2025. This represents a 17.4% 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 Financial Holdings, Inc.'s revenue growing?

Esquire Financial Holdings, Inc. (ESQ) revenue grew by 17.4% year-over-year, from $124.8M to $146.6M in fiscal year 2025.

Does Esquire Financial Holdings, Inc. pay dividends?

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

What is Esquire Financial Holdings, Inc.'s free cash flow?

Esquire Financial Holdings, 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 Financial Holdings, Inc.'s operating cash flow?

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

What are Esquire Financial Holdings, Inc.'s total assets?

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

What are Esquire Financial Holdings, Inc.'s capital expenditures?

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

How many shares does Esquire Financial Holdings, Inc. have outstanding?

Esquire Financial Holdings, Inc. (ESQ) had 9M shares outstanding as of fiscal year 2025.

What is Esquire Financial Holdings, Inc.'s debt-to-equity ratio?

Esquire Financial Holdings, 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 Financial Holdings, Inc.'s P/E ratio?

Esquire Financial Holdings, Inc. (ESQ) has no price-to-earnings ratio at the moment: no net income reported. The market capitalization is $1.4B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Esquire Financial Holdings, Inc.'s price-to-sales ratio?

Esquire Financial Holdings, Inc. (ESQ) trades at 9.0x sales, its market capitalization divided by revenue of $159.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

How financially healthy is Esquire Financial Holdings, Inc.?

Esquire Financial Holdings, Inc. (ESQ) scores 60 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.