Esquire Financial Holdings, Inc. (ESQ) Stock & Financials
Data as of (546 days ago)|Source: SEC EDGAR
Esquire Financial Holdings, Inc. (ESQ) is a diversified banks company. The company reports net income of $44M.
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Esquire Financial Holdings, Inc. Key Financials
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
Esquire Financial Holdings, Inc. Financial Health ScoreFY2024
Moderate health; several metrics need attention
-4 pts YoYThis Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
Data Highlights
- Low Piotroski F-Score: 2/9 (multiple financial health concerns)
Data sourced from SEC EDGAR filings. Not investment advice.
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2024 · SEC 10-K Annual Filings · Updated Feb 28, 2026
About Esquire Financial Holdings, Inc.
- Industry
- Diversified Banks
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Profitability Data Under ReviewProfitability metrics are being verified. Some SEC filing data may require additional validation.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
Balance Sheet Data LimitedInsufficient data to assess financial health.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2024 · SEC 10-K Annual Filings · Updated Feb 28, 2026
Esquire Financial Holdings, Inc. 10-Year Revenue, Profit & Cash Flow History
Net income reached a record high of $44M in FY2024.
Annual Financials
FY2024 - FY2015| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Net Income | $43.7M(+6.5%) | $41.0M(+43.8%) | $28.5M(+59.1%) | $17.9M(+42.1%) | $12.6M(-10.8%) | $14.1M(+61.9%) | $8.7M(+139.7%) | $3.6M(+29.1%) | $2.8M(+140.8%) | $1.2M |
| Total Assets | $1.9B | $1.6B | $1.4B | $1.2B | $936.7M | $798.0M | $663.9M | $533.6M | $424.8M | - |
| Total Debt | - | - | - | - | - | - | - | - | - | - |
| Total Equity | $237.1M | $198.6M | $157.6M | $143.7M | $126.1M | $111.1M | $92.8M | $83.4M | $52.2M | $49.4M |
| Profit Margin | - | - | - | - | - | - | - | - | - | - |
| ROE | 18.4% | 20.6% | 18.1% | 12.5% | 10.0% | 12.7% | 9.4% | 4.4% | 5.4% | 2.4% |
| ROA | 2.3% | 2.5% | 2.0% | 1.5% | 1.4% | 1.8% | 1.3% | 0.7% | 0.7% | - |
Quarterly Financials
Last 8 quarters| Metric | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - |
| Net Income | $14.1M | $11.9M | $11.4M | $11.4M | $10.5M | $10.1M | $9.8M | $9.1M |
| Total Assets | $2.2B | $2.1B | $2.0B | $1.8B | $1.7B | $1.7B | $1.5B | $1.5B |
As of FY2024 · SEC 10-K Annual Filings · Updated Feb 28, 2026
Insider Trading
Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
Esquire Financial Holdings, Inc. Dividend Safety Analysis & Growth History
Dividend Status
Dividend PayerThis company pays dividends. Historical dividend data shown below.
Annual Dividends
2022 - 2025| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Dividend/Share | $0.28 | $0.47 | $0.60 | $0.53 |
| YoY Growth | - | +69.6% | +26.3% | -12.5% |
| Payments | 3 | 4 | 4 | 3 |
| Increased | - | Yes | Yes | No |
Learn more:Dividend investing guideHow to evaluate dividend safety
As of FY2024 · SEC XBRL dividend facts · Updated Feb 28, 2026
Esquire Financial Holdings, Inc. Free Cash Flow & Dividend Coverage
Cash Flow History
FY2015 - FY2024| Metric | FY2015 | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $1.6M | $6.3M | $4.0M | $10.1M | $16.3M | $15.6M | $30.1M | $38.8M | $42.4M | $42.2M |
| CapEx | -$85,000 | -$2.7M | -$190,000 | -$569,000 | -$647,000 | -$750,000 | -$1.0M | -$73,000 | -$605,000 | -$714,000 |
| Free Cash Flow | $1.5M | $3.7M | $3.8M | $9.5M | $15.7M | $14.8M | $29.1M | $38.7M | $41.8M | $41.5M |
| FCF Margin | - | - | - | - | - | - | - | - | - | - |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2024 · SEC 10-K Annual Filings · Updated Feb 28, 2026
Esquire Financial Holdings, Inc. Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for ESQ.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
Esquire Financial Holdings, Inc. FAQ
Does Esquire Financial Holdings, Inc. pay dividends?
Yes, Esquire Financial Holdings, Inc. pays regular dividends. View the full dividend history and payout analysis on this page.
What is Esquire Financial Holdings, Inc.'s financial health score?
Esquire Financial Holdings, Inc. has a financial health score of 66/100 (Grade: C), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of Esquire Financial Holdings, Inc. financial data are available?
10 years of financial data are available for Esquire Financial Holdings, Inc. from FY2015 to FY2024. All figures are compiled from SEC EDGAR 10-K filings.