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Esquire Financial Holdings, Inc. reported an insider transaction by its executive vice president and head of corporate development. On December 9, 2025, the officer disposed of 1,997 shares of common stock at $104.04 per share under transaction code "F," leaving 102,647 shares directly beneficially owned.
The officer also beneficially owns 1,947 shares of common stock indirectly through an IRA. The directly held common stock includes multiple restricted stock awards that vest in three equal annual installments beginning on various dates from December 19, 2023 through January 30, 2028, and the officer holds fully vested stock options for 7,500 shares and 11,125 shares at a $12.50 exercise price, expiring in 2026.
Esquire Financial Holdings, Inc. reported an insider transaction by a senior executive who serves as Vice Chairman, President & CEO and a director. On December 9, 2025, the executive disposed of 5,181 shares of common stock at $104.04 in a transaction coded "F," leaving 276,237 shares beneficially owned directly.
These holdings include multiple grants of restricted stock that vest in three equal annual installments beginning on dates from December 19, 2023 through January 30, 2028. The executive also holds fully vested stock options covering 29,250 shares with a $12.50 exercise price, expiring on September 1, 2026.
Esquire Financial Holdings (ESQ) filed its Q3 2025 10‑Q, showing solid growth and stable credit. Net income was $14.1 million versus $11.4 million a year ago, and diluted EPS was $1.62 versus $1.34. Net interest income rose to $31.3 million, helped by loan growth, while the provision for credit losses was $1.8 million.
Total assets reached $2.18 billion, up from $1.89 billion at year‑end 2024. Loans held for investment were $1.55 billion and deposits were $1.88 billion, led by savings, NOW and money market balances of $1.27 billion. Noninterest income was $6.2 million, with payment processing fees of $5.1 million.
Noninterest expense was $18.4 million, reflecting higher compensation and data processing costs. Credit quality metrics remained manageable: the allowance for credit losses was $21.1 million, and past due/nonaccrual balances were low. One multifamily loan was restructured earlier in 2025; the current carrying amount was $7.9 million at quarter‑end.
Esquire Financial Holdings, Inc. declared a regular quarterly dividend of $0.175 per share. The dividend is payable on December 1, 2025 to stockholders of record as of November 14, 2025. This reflects the company’s ongoing capital return through routine cash dividends.
Esquire Financial Holdings (ESQ) reported that it issued a press release announcing earnings for the quarter ended September 30, 2025. The company also made an investor presentation available to investors and on its website.
The press release is furnished as Exhibit 99.1 and the presentation as Exhibit 99.2. The materials in Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, are being furnished, not filed, and are not subject to Section 18 of the Exchange Act, nor incorporated by reference except as expressly stated.
Esquire Financial Holdings director Joseph Melohn reported multiple sales of the company's common stock on 08/26/2025. The Form 4 shows a series of dispositions of common stock recorded at prices ranging from $99.00 to $100.50 across several line items. The filings indicate shares were held indirectly ("By LLC") and additional indirect holdings are noted as "By Mother." The Form 4 also lists restricted stock grants that vest in three equal annual installments beginning in December 2026 and December 2027 for specific tranches. The submission was signed by an authorized representative on 08/27/2025.
Melohn Joseph, a director of Esquire Financial Holdings, Inc. (ESQ), reported multiple dispositions of common stock on 08/22/2025 and 08/25/2025. The Form 4 shows a series of sales (transaction code S) at prices ranging from $99 to $100.0043. Following the reported transactions, the filing records 136,531 shares beneficially owned indirectly through an LLC, plus separately disclosed indirect holdings of 9,786 shares (LLC) and 6,000 shares (mother). The filing includes restricted stock schedules that vest in three equal annual installments beginning in December 2026 and December 2027 for certain grants. The Form 4 was signed by Gary A. Lax under power of attorney on 08/26/2025.
Zises Selig, a director of Esquire Financial Holdings, Inc. (ESQ), reported multiple dispositions of Common Stock on 08/22/2025. The Form 4 lists repeated sales (transaction code S) in blocks of 1,500 and 1,000 shares at prices ranging approximately from $99.4494 to $100.00. The entries show these sales were from a profit sharing plan, from shares held by trust, and disposals by the reporting person as trustee and via an LP. The filing records various post-transaction beneficial ownership figures (examples shown include 28,001, 26,501, 86,533, and 25,500). Explanatory notes state several lots include restricted stock vesting in three equal annual installments on specified dates.
Wasatch Advisors LP reports beneficial ownership of 366,186 shares of Esquire Financial Holdings, Inc., representing 4.3% of the company's common stock, via a Schedule 13G/A (Amendment No. 5). The filing shows Wasatch has sole voting power for 352,814 shares and sole dispositive power for 366,186 shares, with no shared voting or dispositive powers reported. The filing includes a certification that the securities were acquired and are held in the ordinary course of business and are not intended to change or influence control of the issuer. The statement identifies Wasatch as an investment adviser organized in Delaware and lists the firm’s principal business address.
Esquire Financial Holdings reported stronger core results for the three and six months ended June 30, 2025. Net income for the quarter was $11,890 thousand, up from $10,487 thousand a year earlier, and six-month net income was $23,297 thousand versus $20,545 thousand. Net interest income rose to $29,254 thousand for the quarter from $24,322 thousand, driven by higher interest on loans of $28,762 thousand compared with $24,216 thousand.
The balance sheet expanded: total loans held for investment increased to $1,494,599 thousand from $1,397,021 thousand and total deposits grew to $1,782,328 thousand from $1,642,236 thousand, helping total assets reach $2,059,977 thousand. Provision for credit losses increased to $3,525 thousand for the quarter (six months $5,025 thousand), while the allowance for credit losses was $19,407 thousand at period end. Noninterest expense rose to $17,062 thousand for the quarter and noninterest income was $6,577 thousand.
Securities available-for-sale had a fair value of $257,375 thousand and unrealized losses were attributed to interest-rate movements, not credit, and therefore were not considered credit impairments. Stockholders' equity increased to $263,556 thousand and diluted EPS for the quarter was $1.38.