Esquire Finl Hldgs Inc Stock Price, News & Analysis

Esquire Financial Holdings (NASDAQ: ESQ) reported third quarter 2025 results on October 23, 2025 with record quarterly net income of $14.1 million and diluted EPS of $1.62. Returns were industry-leading at ROA 2.61% and ROE 20.83%, with an adjusted EPS of $1.47 excluding a $1.3M discrete tax benefit. Net interest margin remained resilient at 6.04%. Core deposits grew to $1.87 billion (22% year-over-year), loans reached $1.55 billion (19.2% YoY growth), and payment processing volume was $10.1 billion. Capital ratios stayed strong: CET1 15.27% and TCE/TA 12.78%. Efficiency ratio was 48.9% while noninterest expense increased driven by staffing and tech investments.

Esquire Financial Holdings (NASDAQ: ESQ) has been recognized among the top 100 deposit businesses in S&P Global Market Intelligence's annual U.S. Community Bank Deposit Rankings for banks under $3 billion in assets. This marks the second consecutive year of this achievement for Esquire Bank.

The rankings, launched in 2024, evaluate banks based on eight key metrics including noninterest-bearing deposit concentration, cost of interest-bearing deposits, deposit betas, deposit efficiency, and overall growth. CEO Andrew C. Sagliocca shared insights about the bank's success strategies at S&P Global Market Intelligence's 2025 Deposit Conference in Denver.

Esquire Financial Holdings (NASDAQ: ESQ) has announced the grand opening of its first full-service banking location in Los Angeles, California, scheduled for August 18, 2025. The new office, located at Watt Plaza in Century City, represents a strategic expansion in one of the company's top-performing regional markets.

The expansion aims to serve the national litigation market and enhance the bank's white-glove service offerings. This move follows the company's previously announced plans for Southern California expansion and recent hiring of senior business development leaders in the region.

Esquire Financial Holdings (NASDAQ: ESQ) has announced a significant expansion of its headquarters with a new lease at 300 Jericho Quadrangle, Jericho, New York. The new 50,000 square-foot office space will nearly double the company's current footprint and includes 16,000 square feet of outdoor space.

The 12-year lease agreement features a private entrance and dedicated spaces for employees, clients, and company events. The expansion is set to be completed in late 2026 and aims to enhance the work environment, improve collaboration, and support the company's recruitment and retention strategy.

Esquire Financial Holdings (NASDAQ: ESQ), the parent company of Esquire Bank, has declared a quarterly dividend of $0.175 per share for its common stockholders. The dividend will be paid on September 2, 2025, to shareholders of record as of August 15, 2025.

Esquire Financial Holdings (NASDAQ: ESQ) reported strong Q2 2025 results with net income of $11.9 million, up 13% year-over-year, or $1.38 per diluted share. The company demonstrated robust performance with a net interest margin of 6.03% and industry-leading returns on assets (2.37%) and equity (18.74%).

Key highlights include deposit growth of $94.2 million (22% annualized) to $1.78 billion, and loan growth of $78.7 million (22% annualized) to $1.49 billion. The company maintained strong credit metrics with an allowance for credit losses ratio of 1.30%. Payment processing volumes reached $10.1 billion across 92,000 small business clients nationally.

Notable challenges included a $3.3 million charge-off on a commercial loan and increased provision for credit losses of $3.5 million. The company maintained strong capital ratios with CET1 at 14.89% and plans to open a Los Angeles private banking office.

Esquire Financial Holdings (NASDAQ: ESQ) has been recognized by the Association of National Advertisers (ANA) B2 Awards for the third consecutive year, highlighting their innovative B2B marketing campaigns. Kyall Mai, Senior Vice President and Chief Innovation Officer, was named Individual Marketer of the Year for 2025.

The company's marketing strategy focuses on their AI-enabled platform LawyerIQ, which serves contingent fee plaintiff law firms through knowledge-driven content marketing. This recognition follows Esquire's record financial performance in 2024 and comes as the company prepares to open its first private banking branch in California.

Esquire Financial Holdings (NASDAQ: ESQ) has been awarded the 2024 Raymond James Community Bankers Cup for the seventh consecutive year, ranking third out of 202 banks with assets between $500M-$10B. The recognition is based on key performance metrics including profitability, operational efficiency, and balance sheet strength. The bank has demonstrated exceptional market performance with stock returns of 59%, 152%, and 205% over one, three, and five years respectively, significantly outperforming the NASDAQ BANK index which returned 17%, -11%, and 11% over the same periods. Esquire focuses on serving two national markets with tech-enabled financial solutions and data-driven services, maintaining a strong risk management foundation for sustained growth.

Esquire Financial Holdings (NASDAQ: ESQ) has appointed Raymond Kelly to its Board of Directors, effective June 6, 2025. Kelly brings over 40 years of financial services experience, specializing in banking consulting and tax services. His most recent role was as a tax services partner at RSM US LLP, and he previously held positions at Marcum LLP, North Fork Bancorporation, and KPMG. Kelly's expertise spans strategic planning, audit, tax, compensation, and governance matters in the banking sector. Chairman Tony Coelho and CEO Andrew Sagliocca both emphasized Kelly's extensive industry experience and strategic insights as valuable additions to the board.