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Esquire Financial Holdings, Inc. reports developments tied to its role as the financial holding company for Esquire Bank, a full-service commercial bank serving the litigation industry, small businesses, and commercial and retail customers in the New York and Los Angeles metropolitan areas.
Recurring updates cover operating and financial results, quarterly common-stock dividends, capital-structure matters, governance items, and material agreements. Company news also reflects Esquire Bank's tailored financial and payment-processing solutions, including merchant services and payment processing for litigation clients, their clients, and small-business owners.
Esquire Financial Holdings (NASDAQ: ESQ) reported Q1 2026 results with net income $12.2M and EPS $1.40. Adjusted net income was $13.8M and adjusted EPS $1.58, excluding $1.6M of elevated noninterest expenses. Total revenue was $40.5M (+19.8%), net interest margin 6.04%, loans totaled $1.82B, and deposits $2.10B. Allowance for credit losses to loans was 1.30%; nonperforming loans totaled $0.7M. Efficiency ratio was 51.1% (adjusted 46.9%). CET1 ratio 14.25%. Quarterly dividend increased 14% to $0.20 per share. The company has filed required merger applications and an S-4 related to the Signature Bancorporation transaction.
Esquire Financial Holdings (NASDAQ: ESQ) was ranked among the top U.S. merchant acquirers by Nilson Report for 2025, placing 21st overall and 8th among banks.
Esquire processed $39.45 billion in total purchase volume (+8.6% YoY), settled over 590 million transactions, and recorded $14.01 billion in card-not-present volume (+9.4%).
Esquire Financial Holdings (NASDAQ: ESQ) will release first quarter 2026 earnings for the period ended March 31, 2026 on Thursday, April 23, 2026 at 8:30 a.m. ET. The company will host a live conference call and webcast at 10:00 a.m. ET the same day featuring Andrew C. Sagliocca, Vice Chairman, CEO and President.
Investors can join via live audio webcast at the provided link, access slides and a replay on Esquire's Investor Relations website, or call using the listed domestic and international dial-in numbers (Conference ID: 5386343).
Esquire Financial Holdings (NASDAQ: ESQ) was named a Best-Performing U.S. Community Bank for 2025 by S&P Global Market Intelligence. Esquire ranked in the top 100 among more than 3,400 eligible institutions with assets under $3 billion, marking its second consecutive year on the list.
The recognition reflects outperformance across profitability, growth, efficiency and balance sheet strength, and follows Esquire's recently announced acquisition of Signature Bank in the Chicago and Midwest market.
Esquire Financial Holdings (NASDAQ: ESQ) agreed to acquire Signature Bancorporation in an all-stock deal announced March 12, 2026, creating a combined company with about $4.8 billion in assets at closing.
The transaction values Signature at approximately $348.4 million, uses a fixed exchange ratio of 2.63 ESQ shares per Signature share (adjustable), projects 23% GAAP EPS accretion in 2027, ~11% tangible book value accretion, and targets closing in Q3 2026.
Esquire Financial Holdings (NASDAQ: ESQ) raised its regular quarterly dividend by 14% to $0.20 per share. The dividend is payable on March 2, 2026 to holders of record on February 13, 2026. This is the fifth consecutive dividend increase since dividends began in 2022, which management said reflects balance sheet strength and confidence in the company’s long-term outlook.
Esquire Financial Holdings (NASDAQ: ESQ) reported strong fourth quarter and full year 2025 results driven by national commercial litigation lending and core deposit growth. Fourth-quarter net income rose 14.6% to $13.5M ($1.55 diluted); full-year net income grew 16.4% to $50.8M ($5.87 diluted). Loans increased 25.9% year-over-year to $1.76B and core deposits grew 26.3% to $2.06B. Net interest margin was resilient at ~6.02% for 2025, with ROAA and ROAE of 2.43% and 19.41% for the year. Asset quality remained stable with allowance to loans of 1.37% and nonperforming loans at $8.6M.
Esquire Financial Holdings (NASDAQ: ESQ) was named to the Piper Sandler 2025 Bank & Thrift Sm-All Stars on December 10, 2025. Esquire was one of 24 institutions out of 316 publicly traded banks and thrifts selected for industry-leading growth, profitability, credit quality, and balance sheet strength.
This marks Esquire's third appearance on the Sm-All Stars list; the 2025 class represents the top 10% of public institutions with market caps between $50 million and $2.5 billion. The recognition underscores the company's stated disciplined growth strategy and risk management focus.
Esquire Financial Holdings (NASDAQ: ESQ) declared a regular quarterly dividend of $0.175 per share of common stock. The dividend is payable on December 1, 2025 to shareholders of record as of November 14, 2025.
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.