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    Esquire Financial Holdings Inc (ESQ)

    Financials

    Updated Apr 30, 2025, 4:57 PM UTC
    Income Statement - MetricQ2 2017Q3 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025
    Interest income - Loans held for investment (USD, thousands)23,028.0081,18823,38924,216.0025,122.0025,731.0098,458-
    Interest income - Securities, includes restricted stock (USD, thousands)1,439.005,0201,6052,023.002,389.002,619.008,636-
    Interest income - Securities purchased under agreements to resell (USD, thousands)0.001,526------
    Interest income - Interest earning cash and other (USD, thousands)1,100.004,1541,0791,146.001,620.002,434.006,279-
    Total interest income (USD, thousands)25,567.0091,88826,07327,385.0029,131.0030,784.00113,373-
    Interest expense - Savings, NOW and money market deposits (USD, thousands)2,826.007,6353,0982,932.003,129.003,730.0012,889-
    Interest expense - Time deposits (USD, thousands)70.00476111130.00143.00167.00551-
    Interest expense - Borrowings (USD, thousands)1.00411.001.001.004-
    Total interest expense (USD, thousands)2,897.008,1153,2103,063.003,273.003,898.0013,444-
    Net interest income (USD, thousands)22,670.0083,77322,86324,322.0025,858.0026,886.0099,929-
    Provision for credit losses (USD, thousands)1,500.004,5251,0001,000.001,000.001,700.004,700-
    Net interest income after provision for credit losses (USD, thousands)21,170.0079,24821,86323,322.0024,858.0025,186.0095,229-
    Noninterest income - Payment processing fees (USD, thousands)5,418.0022,3165,2965,322.005,169.005,088.0020,875-
    Noninterest income - Administrative service income (USD, thousands)580.002,467746620.00658.00714.002,738-
    Noninterest income - Net gain on equity investments (USD, thousands)0.004,013------
    Noninterest income - Customer related fees, service charges and other (USD, thousands)268.00955347333.00235.00367.001,282-
    Noninterest income - Gain on loans held for sale (USD, thousands)--------
    Total noninterest income (USD, thousands)6,266.0029,7516,3896,275.006,062.006,169.0024,895-
    Noninterest expense - Employee compensation and benefits (USD, thousands)8,761.0032,4819,1619,525.009,525.009,634.0037,845-
    Noninterest expense - Occupancy and equipment (USD, thousands)863.003,3639271,156.00977.001,033.004,093-
    Noninterest expense - Professional and consulting services (USD, thousands)964.005,447951857.00955.001,061.003,824-
    Noninterest expense - FDIC and regulatory assessments (USD, thousands)206.00793222233.00236.00252.00943-
    Noninterest expense - Advertising and marketing (USD, thousands)607.001,823872881.00949.00812.003,514-
    Noninterest expense - Travel and business relations (USD, thousands)337.00985278180.00264.00244.00966-
    Noninterest expense - Data processing (USD, thousands)1,408.005,1651,5111,722.001,690.001,737.006,660-
    Noninterest expense - Other operating expenses (USD, thousands)755.003,060646678.00762.00912.002,998-
    Total noninterest expense (USD, thousands)13,901.0053,11714,56815,232.0015,358.0015,685.0060,843-
    Net income before income taxes (USD, thousands)13,535.0055,88213,68414,365.0015,562.0015,670.0059,281-
    Income tax expense (USD, thousands)3,653.0014,8713,6263,878.004,202.003,917.0015,623-
    Net income (USD, thousands)9,882.0041,01110,05810,487.0011,360.0011,753.0043,658-
    Earnings per share - Basic (USD)1.275.311.291.351.451.495.58-
    Earnings per share - Diluted (USD)1.174.911.201.251.331.365.14-
    Balance Sheet - MetricQ2 2017Q3 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025
    Cash and cash equivalents (USD, thousands)165,209165,209158,243152,733147,663126,329126,329173,041
    Securities available-for-sale, at fair value (USD, thousands)122,107122,107142,159176,814211,460241,746241,746236,919
    Securities held-to-maturity, at cost (USD, thousands)77,00177,00175,24273,06270,79468,66068,66066,736
    Securities, restricted, at cost (USD, thousands)2,9282,9282,9283,0343,0343,0343,0343,034
    Loans, net of allowance (USD, thousands)1,190,7821,190,7821,210,7191,242,5411,277,9921,376,0421,376,0421,396,397
    Premises and equipment, net (USD, thousands)2,6022,6022,6612,8092,6102,4362,4363,328
    Other assets (USD, thousands)35,49235,49253,02255,55159,20951,00351,00374,982
    Total assets (USD, thousands)1,616,8761,616,8761,654,2811,715,7141,782,4741,892,5031,892,5031,954,437
    Total deposits (USD, thousands)1,407,2991,407,2991,434,0491,486,8931,536,3951,642,2361,642,2361,688,120
    Total liabilities (USD, thousands)1,418,3211,418,3211,447,2031,498,3031,549,9061,655,4091,655,4091,703,713
    Total stockholders’ equity (USD, thousands)198,555198,555207,078217,411232,568237,094237,094250,724
    Total liabilities and stockholders’ equity (USD, thousands)1,616,8761,616,8761,654,2811,715,7141,782,4741,892,5031,892,5031,954,437
    Cash Flow - MetricQ2 2017Q3 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025
    Net income [USD, thousands]9,882.0041,01110,05810,487.0011,360.0011,753.0043,658-
    Provision for credit losses [USD, thousands]1,500.004,5251,0001,000.001,000.001,700.004,700-
    Depreciation and amortization of premises and equipment [USD, thousands]178.00707176194.00252.00258.00880-
    Stock compensation expense [USD, thousands]839.003,218967962.00933.00973.003,835-
    Net gain on equity investments [USD, thousands]0.00(4,013)------
    Gain on loans held for sale [USD, thousands]--------
    Deferred tax benefit [USD, thousands]-(2,551)----(1,106)-
    Net amortization (accretion): Securities [USD, thousands]98.004298876.00108.00158.00430-
    Net amortization (accretion): Loans [USD, thousands](237.00)(1,291)(148)(99.00)(190.00)(47.00)(484)-
    Net cash provided by operating activities [USD, thousands]16,523.0042,40112,7777,218.0010,532.0011,685.0042,212-
    Net change in loans [USD, thousands](94,218.00)(259,227)(20,789)(32,723.00)(36,261.00)(99,703.00)(189,476)-
    Net change in securities purchased under agreements to resell [USD, thousands]0.0049,567------
    Purchases of securities available-for-sale [USD, thousands](4,941.00)(22,820)(24,973)(40,210.00)(37,518.00)(55,161.00)(157,862)-
    Purchases of securities held-to-maturity [USD, thousands]0.00(5,978)------
    Principal repayments on securities available-for-sale [USD, thousands]2,879.0012,2493,2925,680.008,203.0019,272.0036,447-
    Principal repayments on securities held-to-maturity [USD, thousands]1,753.007,2531,7362,155.002,239.002,107.008,237-
    Purchases of securities, restricted [USD, thousands]0.00(118)--0.000.00(106)-
    Payoff of loans held for sale [USD, thousands]--------
    Proceeds from equity investment [USD, thousands]701.006,674--0.000.001,467-
    Purchase of equity investment [USD, thousands]--(3,524)0.000.00(300.00)(3,824)-
    Purchases of premises and equipment [USD, thousands](277.00)(605)(235)(342.00)(53.00)(84.00)(714)-
    Development of capitalized software [USD, thousands](515.00)(2,399)(691)(322.00)(728.00)(694.00)(2,435)-
    Net cash used in investing activities [USD, thousands](94,618.00)(215,404)(45,184)(64,401.00)(64,118.00)(134,563.00)(308,266)-
    Net increase in deposits [USD, thousands]124,706.00179,06326,75052,844.0049,502.00105,841.00234,937-
    Decrease in borrowings [USD, thousands](1.00)(2)--0.00(1.00)(2)-
    Exercise of stock options, net of repurchases [USD, thousands]7.001101730.00188.00144.00505-
    Tax withholding payments for vested equity awards [USD, thousands](923.00)(1,076)(299)0.000.00(3,121.00)(3,420)-
    Cash dividends paid to common stockholders [USD, thousands](1,131.00)(3,719)(1,183)(1,170.00)(1,174.00)(1,319.00)(4,846)-
    Purchase of common stock [USD, thousands]0.00(286)------
    Net cash provided by financing activities [USD, thousands]122,658.00174,09025,44151,673.0048,516.00101,544.00227,174-
    (Decrease) increase in cash and cash equivalents [USD, thousands]44,563.001,087(6,966)(5,510.00)(5,070.00)(21,334.00)(38,880)-
    Interest paid [USD, thousands]2,953.008,1343,2053,073.003,276.003,876.0013,430-
    Taxes paid [USD, thousands]3,722.0017,5876468,286.004,420.004,650.0018,002-
    Exchange of noncash instruments [USD, thousands]0.001,750(300)0.000.000.00(300)-
    Cumulative change in accounting principle [USD, thousands]0.00(568)------
    Right of use asset [USD, thousands]567567138279422572572-
    Software [USD, thousands]1,2631,2634311,0441,4221,8351,835-
    Accrued interest receivable [USD, thousands](3,362)(3,362)(177)(40)(582)(994)(994)-
    Other assets [USD, thousands]794794(1,829)(6,305)(11,244)(11,091)(11,091)-
    Operating lease liability [USD, thousands](627)(627)(173)(352)(535)(721)(721)-
    Accrued expenses and other liabilities [USD, thousands]1,7311,7312,2466082,820698698-
    Cash and cash equivalents at beginning of the period [USD, thousands]164,122164,122165,209165,209165,209165,209165,209-
    Cash and cash equivalents at end of the period [USD, thousands]165,209165,209158,243152,733147,663126,329126,329-
    Dividends declared but not paid [USD, thousands]17517559133205141141-
    Right of use asset obtained in exchange for lease liability [USD, thousands]-----2,0352,035-
    Revenue by Segment - in Millions of USDQ2 2017Q3 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025
    Interest Income25.5791.89-27.38529.13-113.373-
    - Loans23.0381.19-24.21625.12-98.458-
    - Securities1.445.02-2.0232.39-8.636-
    - Cash and Other2.635.68-1.1461.62-6.279-
    - Securities Purchased Under Agreements to Resell--------
    Noninterest Income6.2629.75-6.2756.06-24.895-
    - Payment Processing5.4322.32-5.3225.17-20.875-
    - Admin Services0.582.47-0.6200.66-2.738-
    - Customer Fees6.147.44-0.3330.24-1.282-
    - Gain on Equity Investment--------
    Total Revenue31.82121.64-33.66035.19-138.268-
    KPIs - Metric (Unit, Scale)Q2 2017Q3 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025
    Payment processing volume (billions of USD)-33.08.617.927.1-36.3-
    Number of payment processing transactions (millions of transactions)-603.7150.5155.6152.0-603.7-
    Number of small business merchants for Payment Processing Solutions (count)--85,00083,00084,000-88,000-