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Esquire Financial Holdings, Inc.

ESQ Financial Banks Regional

Esquire Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $164.5 million, up 19.0% from fiscal 2024.

Revenue
+18.9%
EPS
+6.08%
Free cash flow
+60.0%

Quarter to June 2026, against a year earlier

129.09 2.18 +1.72%
Market cap
$1.5B
P/E
20.0×
Fwd P/E
20.5×
Dividend yield
0.60%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 9.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 2 — — — 1 — 1 2 —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 1,540.00
Revenue ttm 179.89
Net income ttm 52.71
Free cash flow ttm 64.32
Net debt Q (242.18)
Valuation
P/E 20.01
Forward P/E 20.50
Price / sales 5.94
Forward P/S Powerpack
Price / FCF 16.61
Price / book 3.40
Financial health
Current ratio Q 0.97
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +18.87% (above 0%: growing)
Operating income growth Q +18.91% (above 0%: growing)
EPS, this year +27.88% (at or above 15%: strong)
EPS, next year A +20.47% (at or above 15%: strong)
Revenue, next year A +13.92% (at or above 10%: strong)
EPS, past 5 yrs +28.89% (at or above 15%: strong)
EPS, next 5 yrs A +20.26% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 83.10%
10-year low 10-year high
P/S against its own 10 years 94.44%
10-year low 10-year high
P/B against its own 10 years 99.53%
10-year low 10-year high

Dividends raised every year since 2022

Yield
0.60%
Annual rate
0.78
Payout ratio
12.8%
Growth, 2022–25
+35.7%/yr
  1. 0.28 ’22
  2. 0.48 ’23 +70
  3. 0.60 ’24 +26
  4. 0.70 ’25 +17
  5. 0.80 ’26e +14
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 165 126 236 242
Receivables — — — —
Inventory — — — —
Other — — — —
1,365 1,512 1,983 2,133
2023 2024 2025 Q'26
Payables 1,407 1,642 2,063 2,180
ST’ Debt — — — —
Other — — — —
1,418 1,655 2,076 2,197

Compound Annual Growth %

10y 5y 3y
Sales 26.73% 25.29% 24.17%
Cash Flow 43.93% 30.87% 15.54%
Earnings 46.29% 32.13% 21.24%
Book Value 19.34% 18.10% 22.34%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.89 Actual 2.12

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.56 1.55 Miss by 0.01
Q1 FY26 1.52 1.58 Beat by 0.06
Q2 FY26 1.55 1.60 Beat by 0.05
Q3 FY26 1.89 2.12 Beat by 0.23
Q4 FY26 2.11 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.40 1.49 — — —
’25 1.33 1.38 1.62 1.55 5.87
’24 1.20 1.25 1.34 1.37 5.14
’23 1.47 1.10 1.17 1.18 4.91
’22 0.66 0.78 0.94 1.10 3.47
’21 0.53 0.57 0.32 0.83 2.26
’20 0.33 0.33 0.48 0.51 1.65
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 45 48 — — —
’25 38 40 42 44 164
’24 32 34 35 37 138
’23 31 29 30 32 122
’22 18 20 22 26 86
’21 16 16 16 17 66
’20 13 12 13 15 53
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 20 15 — — —
’25 16 10 17 17 60
’24 13 7 11 12 42
’23 15 0 11 17 42
’22 11 7 12 9 39
’21 13 3 6 7 30
’20 8 6 3 (1) 16
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 19 14 — — —
’25 14 9 15 16 54
’24 12 7 10 11 39
’23 14 0 10 16 39
’22 11 7 11 8 38
’21 12 2 6 7 27
’20 7 5 3 (3) 12
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 20 26 37 48 53 66 86 122 138 164 180 +26.2% 187 275 312 +23.7%
Gross margin, % 97.48 97.92 96.71 94.74 97.77 98.74 98.08 93.33 90.28 89.10 88.70 (8.4) pt
EBT 5 7 12 19 17 23 39 56 59 66 70 +34.4%
EBT margin, % 22.61 27.15 32.40 39.48 32.22 34.64 45.16 45.94 42.87 39.91 38.98 +17.3 pt
Net income 3 4 9 14 13 18 29 41 44 51 53 +37.9%
Per share, $
Per share, $ Revenue 4.09 4.20 4.99 6.56 7.19 8.78 11.25 15.76 17.69 20.41 21.74 +19.5%
Earnings 0.57 0.59 1.16 1.91 1.70 2.40 3.73 5.31 5.58 6.30 6.45 +30.6%
Cash flow 1.27 0.65 1.37 2.21 2.10 4.03 5.08 5.49 5.40 7.42 8.17 +21.6%
Capex (0.54) (0.03) (0.17) (0.28) (0.42) (0.39) (0.16) (0.39) (0.40) (0.69) (0.39) +2.9%
Free cash flow 0.74 0.61 1.20 1.93 1.68 3.63 4.92 5.11 5.00 6.73 7.77 +27.9%
Book value 10.52 13.53 12.58 15.03 17.01 19.24 20.71 25.73 30.33 35.92 37.93 +14.6%
Shares, m 5 6 7 7 7 7 8 8 8 8 8 +5.5%
Valuation, ×
Valuation, × P/E 25.37 30.85 18.24 13.65 11.29 13.18 11.49 9.46 14.27 16.18 20.01 16.4
P/S 3.60 4.50 4.35 3.97 2.67 3.59 3.81 3.19 4.49 5.00 5.94 3.9
P/B 1.43 1.40 1.72 1.73 1.13 1.64 2.07 1.95 2.62 2.84 3.40 1.9
EV/Sales 2.07 2.85 3.52 2.70 0.53 0.55 1.32 1.83 3.58 3.57 — 2.3
EV/FCF 11.56 19.47 14.62 9.19 2.27 1.32 3.03 5.64 12.68 10.82 — 9.1
Cash, $m
Cash, $m Operating cash flow 6 4 10 16 16 30 39 42 42 60 68 +28.4%
Capex (3) 0 (1) (2) (3) (3) (1) (3) (3) (6) (3) +8.6%
Free cash flow 4 4 9 14 12 27 38 39 39 54 64 +35.0%
Balance, $m
Balance, $m Working capital (53) (59) (74) (63) (28) (56) (83) (53) (143) (93) (64) +6.6%
Net debt (43) (43) (30) (62) (117) (199) (214) (165) (126) (236) (242) +20.9%
Shareholders’ equity 52 83 93 111 126 144 158 199 237 290 314 +21.0%
Returns, %
Returns, % ROA 0.71 0.76 1.46 1.93 1.45 1.69 2.22 2.72 2.49 2.39 2.31 +1.7 pt
ROIC 29.98 10.83 11.96 24.24 117.07 0.00 0.00 104.74 33.45 76.39 61.15 +46.4 pt
ROE 5.43 5.34 9.92 13.88 10.64 13.29 18.89 22.99 20.04 19.30 18.26 +13.9 pt
People
People Employees 52 61 74 86 99 110 116 140 138 151 — +12.6%
Revenue/emp, $m 0.39 0.42 0.50 0.56 0.54 0.60 0.74 0.87 1.00 1.09 — +12.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Esquire Financial Holdings, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BFC Bank First National Corporation $1.6B 18.5× 17.0× +40.21% (above 0%: growing) +17.49% (above 0%: growing) +129.21% (above 0%: growing) 75.88% 0.00% Compare
CASH Pathward Financial, Inc. $1.6B 9.3× 9.2× −2.04% (below 0%: shrinking) +9.41% (above 0%: growing) +20.54% (above 0%: growing) 99.33% 0.00% Compare
RBCAA Republic Bancorp, Inc. $1.6B 13.8× 12.6× +1.88% (above 0%: growing) +4.32% (above 0%: growing) −102.32% (below 0%: shrinking) 82.94% 0.00% Compare
AVAL Grupo Aval Acciones y Valores S.A. $1.6B 10.8× — +74.54% (above 0%: growing) +30.00% (above 0%: growing) +884.01% (above 0%: growing) 46.31% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 11.8× 12.7× +16.97% (above 0%: growing) +1.25% (above 0%: growing) +92.37% (above 0%: growing) 58.14% 0.00% Compare
ESQ Esquire Financial Holdings, Inc. $1.5B 20.0× 20.5× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00%
LKFN Lakeland Financial Corporation $1.5B 13.6× 13.5× +1.66% (above 0%: growing) +11.94% (above 0%: growing) +29.20% (above 0%: growing) 66.58% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 31.0× 31.8× +17.43% (above 0%: growing) +1,225.00% (above 0%: growing) +92.55% (above 0%: growing) 82.08% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.5B 12.0× 11.7× +12.48% (above 0%: growing) +37.01% (above 0%: growing) −13.76% (below 0%: shrinking) 76.18% 0.00% Compare
Median of peers $1.6B 12.8× 12.7× +14.73% +14.72% +60.79% 76.03% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.77m 6.98m 532.00
2024 1.84m 6.20m 414.00
2023 3.08m 4.07m 260.00
2022 2.53m 4.17m 225.00
2021 2.24m 3.65m 164.00

Ownership

Directors and executive officers, together 13.90%
Mawer Investment Management Ltd. 9.00%
BlackRock, Inc. 6.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Esquire Financial Holdings, Inc. (ESQ) Latest News

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stockrow.com/ESQ · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com