Esquire Financial (ESQ) CFO reports insider stock transaction and holdings

Rhea-AI Filing Summary

Esquire Financial Holdings, Inc. reported an insider stock transaction by its SVP & Chief Financial Officer. On 12/16/2025, the officer disposed of 240 shares of common stock in a transaction coded “F” at a price of $106.82 per share, typically indicating shares withheld to cover taxes on equity vesting. Following this, the officer beneficially owns 16,622 shares of common stock directly and 3,250 shares indirectly through an IRA.

The filing also lists several stock option awards on common stock with exercise prices from $20.85 to $48.32 and expiration dates between 12/10/2028 and 12/15/2033. Some options are fully vested, while others vest in three equal annual installments beginning on dates in 2023 and 2024.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lacapria Michael

(Last) (First) (Middle)

100 JERICHO QUADRANGLE

SUITE 100

(Street)

JERICHO NY 11753

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Esquire Financial Holdings, Inc. [ ESQ ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP & Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/16/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/16/2025		F		240	D	$106.82	16,622(1)(2)(3)(4)(5)(6)	D
Common Stock								3,250	I	By IRA

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$24.9							12/10/2019	12/10/2028	Common Stock	1,500(7)		1,500(7)	D
Stock Options	$20.85							12/16/2021	12/16/2030	Common Stock	2,500(7)		2,500(7)	D
Stock Options	$31.04							12/09/2022	12/09/2031	Common Stock	2,500(7)		2,500(7)	D
Stock Options	$42.3							12/19/2023	12/19/2032	Common Stock	2,500(8)		2,500(8)	D
Stock Options	$48.32							12/15/2024	12/15/2033	Common Stock	2,500(9)		2,500(9)	D

Explanation of Responses:

1. Includes shares of restricted stock which vest in three equal annual installments commencing on December 19, 2023.

2. Includes shares of restricted stock which vest in three equal annual installments commencing on December 16, 2024.

3. Includes shares of restricted stock which vest in three equal annual installments commencing on December 9, 2025.

4. Includes shares of restricted stock which vest in three equal annual installments commencing on December 19, 2026.

5. Includes shares of restricted stock which vest in three equal annual installments commencing on December 15, 2027.

6. Includes shares of restricted stock which vest in three equal annual installments commencing on January 30, 2028.

7. Stock options are fully vested.

8. Stock options vest in three equal annual installments commencing on December 19, 2023.

9. Stock options vest in three equal annual installments commencing on December 15, 2024.

	/s/ Eric S. Bader, pursuant to power of attorney	12/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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FAQ

What insider stock transaction did Esquire Financial (ESQ) report for its CFO?

The SVP & Chief Financial Officer of Esquire Financial Holdings, Inc. reported disposing of 240 shares of common stock on 12/16/2025 in a transaction coded “F” at $106.82 per share.

How many Esquire Financial (ESQ) shares does the CFO own after the reported transaction?

After the transaction, the CFO beneficially owns 16,622 shares of common stock directly and 3,250 shares indirectly through an IRA.

What does transaction code F mean in the Esquire Financial (ESQ) insider filing?

The transaction is coded “F”, which in this context indicates shares were disposed of in connection with equity-related tax obligations, such as shares withheld upon vesting.

What stock options does the Esquire Financial (ESQ) CFO hold?

The CFO holds several stock options on common stock with exercise prices of $24.9, $20.85, $31.04, $42.3, and $48.32, with expiration dates from 12/10/2028 through 12/15/2033.

Are the Esquire Financial (ESQ) CFO’s stock options vested?

One grant of stock options is stated as fully vested, while other grants vest in three equal annual installments beginning on 12/19/2023 and 12/15/2024, as noted in the explanations.

Does the Esquire Financial (ESQ) filing mention restricted stock for the CFO?

Yes. The explanations state that the reported holdings include shares of restricted stock that vest in three equal annual installments beginning on dates including 12/19/2023, 12/16/2024, 12/9/2025, 12/19/2026, 12/15/2027, and 1/30/2028.