Esquire Financial director acquires 753 restricted stock shares

Esquire Financial Holdings, Inc. reported that one of its directors acquired 753 shares of common stock as a restricted stock award on December 10, 2025, at a price of $0.

Rhea-AI Filing Summary

Esquire Financial Holdings, Inc. reported that one of its directors acquired 753 shares of common stock as a restricted stock award on December 10, 2025, at a price of $0. These restricted shares vest 100% on December 10, 2026. Following this grant, the director beneficially owns 87,352 shares directly, plus 48,000 shares held indirectly as trustee for trusts and 12,000 shares held indirectly as custodian for children. The director also holds fully vested stock options covering 584 shares of common stock with an exercise price of $31.04, exercisable since December 9, 2022 and expiring on December 9, 2031.

Insider Trade Summary

Grant/Award: 753 shares

Grant/Award 4 txns

Insider Waterhouse Kevin C

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	753	$0.00	$0.00
holding	Stock Options	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 87,352 shares (Direct); Stock Options — 584 contracts (Direct); Common Stock — 48,000 shares (Indirect, As trustee for trusts); Common Stock — 12,000 shares (Indirect, As custodian for children)

Footnotes (6)

1. F1. Shares of restricted stock vest 100% on December 10, 2026.
2. F2. Includes shares of restricted stock which vest in three equal annual installments commencing on December 19, 2023.
3. F3. Includes shares of restricted stock which vest in three equal annual installments commencing on December 19, 2026.
4. F4. Includes shares of restricted stock which vest in three equal annual installments commencing on December 3, 2027.
5. F5. Includes shares of restricted stock which vest in three equal annual installments commencing on December 15, 2027.
6. F6. Stock options are fully vested.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Esquire Financial (ESQ) disclose in this report?

The report shows that an Esquire Financial director acquired 753 shares of common stock as a restricted stock award on December 10, 2025 at a price of $0.

When do the newly granted restricted shares for Esquire Financial (ESQ) vest?

The 753 restricted shares granted to the director vest 100% on December 10, 2026.

How many Esquire Financial (ESQ) shares does the director now own directly?

After the reported transaction, the director beneficially owns 87,352 shares of Esquire Financial common stock directly.

What indirect holdings in Esquire Financial (ESQ) does the director report?

The director reports 48,000 shares held indirectly as trustee for trusts and 12,000 shares held indirectly as custodian for children.

What stock options related to Esquire Financial (ESQ) are held by the director?

The director holds fully vested stock options for 584 shares of Esquire Financial common stock with an exercise price of $31.04, exercisable since December 9, 2022 and expiring on December 9, 2031.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 12/16/2025 - 04:20 PM Learn about SEC filing dates

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Waterhouse Kevin C

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/10/2025

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	12/10/2025		A		753(1)	A	$0	87,352(2)(3)(4)(5)	D
Common Stock								48,000	I	As trustee for trusts
Common Stock								12,000	I	As custodian for children

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	$31.04							12/09/2022	12/09/2031	Common Stock	584(6)		584(6)	D

Explanation of Responses:

1. Shares of restricted stock vest 100% on December 10, 2026.

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

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

4. Includes shares of restricted stock which vest in three equal annual installments commencing on December 3, 2027.

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

6. Stock options are fully vested.

	/s/ Eric S. Bader, pursuant to power of attorney	12/16/2025
	** 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.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.