Saturday 17 October 2026 Export ESQ’s income statement to Excel — free account

Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $164.5 million, up 19.0% from fiscal 2024. In the quarter to June 2026, revenue grew 18.9%, EPS grew 6.08% and free cash flow grew 60.0%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten.

118.89 0.06 −0.05%

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Market cap: $1.4B
P/E: 18.4×
Fwd P/E: 28.7×
Dividend yield: 0.65%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 5.05

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	2	—	—	—	1	—	1	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 1,440.00

Revenue 179.89

Net Income 52.71

Free Cash Flow 64.32

Net Debt (242.18)

Current Ratio 0.97

Debt/Equity 0.00

P/E ratio 18.43

Fwd P/E 28.70

P/S ratio 5.47

P/B ratio 3.13

Past 5Y EPS Growth 28.89%

This Y EPS Growth 20.39%

Next Y EPS Growth 20.61%

Next Y revenue growth 11.31%

Next 5Y EPS Growth 17.20%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 79.15%

10-year low 10-year high

P/S against its own 10 years 88.93%

10-year low 10-year high

P/B against its own 10 years 96.67%

10-year low 10-year high

Dividends

Payout Ratio 0.13

Annual Dividend Rate 0.78

Annual Dividend Yield 0.65%

	total	individual payouts
2027	Powerpack
2026	0.80	0.20 0.20 0.20
2025	0.70	0.18 0.18 0.18 0.18
2024	0.60	0.15 0.15 0.15 0.15
2023	0.48	0.10 0.13 0.13 0.13
2022	0.28	0.09 0.09 0.10
2021	Powerpack
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	14.51	17.34	20.61	10.83	18.47	31.59	34.75	44.45	68.90	Analyst estimates 2026–2028 Powerpack
	High	—	23.18	29.45	28.89	26.07	37.51	48.13	54.03	81.68	110.71
People
People	Employees	52	61	74	86	99	110	116	140	138	151
	Revenue/emp, $m	0.39	0.42	0.50	0.56	0.54	0.60	0.74	0.87	1.00	1.09
Income, $m
Income, $m	Revenue	20	26	37	48	53	66	86	122	138	164
	Gross margin, %	97.48	97.92	96.71	94.74	97.77	98.74	98.08	93.33	90.28	89.10
	EBT	5	7	12	19	17	23	39	56	59	66
	EBT margin, %	22.61	27.15	32.40	39.48	32.22	34.64	45.16	45.94	42.87	39.91
	Net income	3	4	9	14	13	18	29	41	44	51
	Depreciation	1	1	2	2	2	2	2	2	3	4
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
	Earnings	0.57	0.59	1.16	1.91	1.70	2.40	3.73	5.31	5.58	6.30
	Cash flow	1.27	0.65	1.37	2.21	2.10	4.03	5.08	5.49	5.40	7.42
	Capex	(0.54)	(0.03)	(0.17)	(0.28)	(0.42)	(0.39)	(0.16)	(0.39)	(0.40)	(0.69)
	Free cash flow	0.74	0.61	1.20	1.93	1.68	3.63	4.92	5.11	5.00	6.73
	Book value	10.52	13.53	12.58	15.03	17.01	19.24	20.71	25.73	30.33	35.92
	Shares, m	5	6	7	7	7	7	8	8	8	8
Valuation, ×
Valuation, ×	P/E	25.37	30.85	18.24	13.65	11.29	13.18	11.49	9.46	14.27	16.18
	P/S	3.60	4.50	4.35	3.97	2.67	3.59	3.81	3.19	4.49	5.00
	P/B	1.43	1.40	1.72	1.73	1.13	1.64	2.07	1.95	2.62	2.84
	EV/Sales	2.07	2.85	3.52	2.70	0.53	0.55	1.32	1.83	3.58	3.57
	EV/FCF	11.56	19.47	14.62	9.19	2.27	1.32	3.03	5.64	12.68	10.82
Cash, $m
Cash, $m	Operating cash flow	6	4	10	16	16	30	39	42	42	60
	Capex	(3)	0	(1)	(2)	(3)	(3)	(1)	(3)	(3)	(6)
	Free cash flow	4	4	9	14	12	27	38	39	39	54
Balance, $m
Balance, $m	Working capital	(53)	(59)	(74)	(63)	(28)	(56)	(83)	(53)	(143)	(93)
	Total debt	0	0	0	0	3	2	2	—	—	—
	Net debt	(43)	(43)	(30)	(62)	(117)	(199)	(214)	(165)	(126)	(236)
	Shareholders’ equity	52	83	93	111	126	144	158	199	237	290
Returns, %
Returns, %	ROA	0.71	0.76	1.46	1.93	1.45	1.69	2.22	2.72	2.49	2.39
	ROIC	29.98	10.83	11.96	24.24	117.07	0.00	0.00	104.74	33.45	76.39
	ROE	5.43	5.34	9.92	13.88	10.64	13.29	18.89	22.99	20.04	19.30

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CNOB ConnectOne Bancorp, Inc.	$1.5B	9.9×	9.4×	+32.81% (above 0%: growing)	n/m	+427.03% (above 0%: growing)	60.53%	0.00%	Compare
CASH Pathward Financial, Inc.	$1.5B	9.1×	9.2×	−3.18% (below 0%: shrinking)	−24.73% (below 0%: shrinking)	+20.54% (above 0%: growing)	99.41%	0.00%	Compare
TFIN Triumph Financial, Inc.	$1.5B	41.6×	40.6×	+13.51% (above 0%: growing)	+193.33% (above 0%: growing)	+372.54% (above 0%: growing)	82.38%	0.00%	Compare
ESQ Esquire Financial Holdings, Inc.	$1.4B	18.4×	28.7×	+18.87% (above 0%: growing)	+6.08% (above 0%: growing)	+59.96% (above 0%: growing)	88.35%	0.00%
LKFN Lakeland Financial Corporation	$1.4B	13.3×	13.8×	+1.75% (above 0%: growing)	+8.57% (above 0%: growing)	+36.16% (above 0%: growing)	65.79%	0.00%	Compare
AMAL Amalgamated Financial Corp.	$1.4B	12.4×	10.7×	+15.47% (above 0%: growing)	+36.47% (above 0%: growing)	−23.52% (below 0%: shrinking)	75.97%	0.00%	Compare
BHRB Burke & Herbert Financial Services Corp.	$1.4B	11.1×	8.4×	+20.93% (above 0%: growing)	−74.75% (below 0%: shrinking)	+49.60% (above 0%: growing)	70.87%	0.00%	Compare
WABC Westamerica Bancorporation	$1.4B	13.5×	12.7×	−2.49% (below 0%: shrinking)	+4.46% (above 0%: growing)	−33.14% (below 0%: shrinking)	94.98%	0.00%	Compare
TMP Tompkins Financial Corporation	$1.4B	7.9×	11.6×	+2.51% (above 0%: growing)	+36.42% (above 0%: growing)	−198.57% (below 0%: shrinking)	73.16%	0.00%	Compare
Median of peers	$1.4B	11.8×	11.1×	+8.01%	+8.57%	+28.35%	74.57%	0.00%

All 323 Banks Regional stocks →

Esquire Financial Holdings, Inc. (ESQ) key facts

Strength: Esquire Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $164.5 million, up 19.0% from fiscal 2024.
Strength: Net income was $50.8 million, or $6.30 per share (basic), a net margin of 30.9%.
Esquire Financial Holdings, Inc. (ESQ) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ESQ traded at $118.89, a market capitalization of $1.4 billion.
At that price the stock trades at 18.4× trailing-twelve-month earnings and 5.5× sales; its P/E is higher than 79% of its own readings over the past ten years.
Esquire Financial Holdings, Inc. pays an annual dividend of $0.78 per share, a yield of 0.65%, with a payout ratio of 12.8%.
Return on equity was 19.3% and debt-to-equity 0.00.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.