Esquire Financial Holdings, Inc. ESQ R2K
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it provides cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it offers payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 36.3%.
- Compounding revenue at 20.3% over 5 years.
- Profit CAGR of 21.2% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ESQ Esquire Financial Holdings, Inc. R2K | 109.89 | 18.47 | $949.39M | 0.68% | - | 18.70% | 20.26% | 21.24% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 33.76M | 35.83M | 37.57M | 39.40M | 40.46M |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 3.90M | 4.28M | 4.79M | 4.96M | 5.03M |
| Pretax Income | - | - | 15.51M | 15.24M | 17.46M | 17.43M | 17.10M |
| Tax Provision | - | - | 4.11M | 3.35M | 3.40M | 3.97M | 4.89M |
| Net Income | - | - | 11.41M | 11.89M | 14.06M | 13.47M | 12.21M |
| Diluted EPS | - | - | 1.33 | 1.38 | 1.62 | 1.55 | 1.40 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 84.27M | 113.52M | 124.82M | 146.56M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1.65M | 8.12M | 13.44M | 17.94M |
| Pretax Income | - | 38.80M | 55.88M | 59.28M | 65.65M |
| Tax Provision | - | 10.28M | 14.87M | 15.62M | 14.83M |
| Net Income | - | 28.52M | 41.01M | 43.66M | 50.82M |
| Diluted EPS | - | 3.47 | 4.91 | 5.14 | 5.87 |
Compounded Sales Growth
| 5 Years: | 20.26% |
| 1 Year: | 17.00% |
Compounded Profit Growth
| 5 Years: | 21.24% |
| 1 Year: | 5.30% |
Stock Price Performance
| 1 Year: | +22.00% |
| 6 Months: | +6.34% |
| 3 Months: | +9.03% |
| 1 Month: | +4.44% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.40B | 1.62B | 1.89B | 2.37B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 164.12M | 165.21M | 126.33M | 235.89M |
| Inventory | - | - | - | - | - |
| Receivables | - | 5.77M | 9.13M | 10.12M | 12.64M |
| Total Liabilities | - | 1.24B | 1.42B | 1.66B | 2.08B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | - | - | - | - |
| Total Equity | - | 158.16M | 198.56M | 237.09M | 289.60M |
| Shares Outstanding | - | 8.24M | 8.36M | 8.47M | 8.71M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 38.80M | 42.40M | 42.21M | 59.84M |
| Investing Cash Flow | - | -221.50M | -215.40M | -308.27M | -362.09M |
| Financing Cash Flow | - | 197.67M | 174.09M | 227.17M | 411.81M |
| Capital Expenditure | - | -1.24M | -3.00M | -3.15M | -5.58M |
| Free Cash Flow | - | 37.56M | 39.40M | 39.06M | 54.26M |
| Net Change in Cash | - | 14.97M | 1.09M | -38.88M | 109.56M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 33.8% | 36.1% | 35.0% | 34.7% |
| ROE % | - | 18.0% | 20.7% | 18.4% | 17.5% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Mawer Investment Management Ltd. | 8.39% | 725.21K | $79.69M |
| 2 | Blackrock Inc. | 6.37% | 550.35K | $60.48M |
| 3 | Wasatch Advisors LP | 3.98% | 344.05K | $37.81M |
| 4 | Vanguard Capital Management LLC | 3.61% | 311.82K | $34.27M |
| 5 | Copeland Capital Management, LLC | 3.53% | 304.65K | $33.48M |
| 6 | Basswood Capital Management, L.L.C. | 3.11% | 268.73K | $29.53M |
| 7 | State Street Corporation | 3.08% | 266.27K | $29.26M |
| 8 | Ampfield Management, L.P. | 2.70% | 233.22K | $25.63M |
| 9 | American Century Companies Inc | 2.66% | 229.92K | $25.27M |
| 10 | Geode Capital Management, LLC | 2.60% | 224.80K | $24.70M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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