Earnings summaries and quarterly performance for Esquire Financial Holdings.
Executive leadership at Esquire Financial Holdings.
Board of directors at Esquire Financial Holdings.
Research analysts covering Esquire Financial Holdings.
Recent press releases and 8-K filings for ESQ.
Esquire Financial Holdings, Inc. Reports Strong Fourth Quarter and Full Year 2025 Results
ESQ
Earnings
Revenue Acceleration/Inflection
- Esquire Financial Holdings, Inc. reported a 14.6% increase in net income to $13.5 million for Q4 2025, resulting in $1.55 per diluted share, and a 16.4% increase to $50.8 million for the full year 2025, or $5.87 per diluted share.
- Total full year revenue for 2025 increased 17.4% to $146.6 million compared to 2024.
- The company experienced significant growth, with loans increasing $211.4 million (54.2% annualized) to $1.76 billion and core deposits growing $183.5 million (38.9% annualized) to $2.06 billion on a linked quarter basis in Q4 2025.
- Key financial metrics for Q4 2025 included a return on average assets of 2.36%, return on average equity of 18.90%, and a net interest margin of 6.05%.
Jan 22, 2026, 1:45 PM
Esquire Financial Holdings Reports Strong Q4 and Full Year 2025 Results
ESQ
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Esquire Financial Holdings, Inc. reported a 14.6% increase in net income to $13.5 million, or $1.55 per diluted share, for the fourth quarter of 2025, compared to the same period in 2024. For the full year 2025, net income increased 16.4% to $50.8 million, or $5.87 per diluted share.
- Total full year revenue for 2025 increased $21.7 million, or 17.4%, to $146.6 million when compared to 2024. The net interest margin remained resilient at 6.05% for Q4 2025 and 6.02% for full year 2025.
- The company achieved significant loan growth, with total loans increasing $211.4 million, or 54.2% annualized, on a linked-quarter basis to $1.76 billion. For the full year 2025, loans grew $361.4 million, or 25.9%.
- Corresponding commercial core deposit growth on a linked-quarter basis totaled $183.5 million, or 38.9% annualized, reaching $2.06 billion. For the full year 2025, core deposits grew $428.7 million, or 26.3%.
- Esquire maintained strong returns with a Return on Average Assets of 2.36% and a Return on Average Equity of 18.90% for the fourth quarter of 2025, alongside a strong efficiency ratio of 48.4%.
Jan 22, 2026, 1:30 PM
ESQ Acquired by Kinective
ESQ
M&A
New Projects/Investments
- Kinective has acquired ESQ Data Solutions, a leading provider of enterprise-grade ATM and self-service device management solutions.
- This acquisition extends Kinective's Banking Operations Platform to include comprehensive cash device management, aiming to unify all critical operational touchpoints from branch to ATM to ITM.
- ESQ's technology, which currently monitors nearly 1 million devices globally, processes over 1,000 real-time data points per minute, providing enhanced visibility and control over cash operations.
- The integration is expected to improve device availability from 70% to 95% and reduce operational costs by up to 15% through predictive intelligence and AI-powered issue prevention.
Aug 19, 2025, 1:00 PM
Esquire Financial Holdings Inc. Reports Strong Q2 2025 Financial Results
ESQ
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Esquire Financial Holdings Inc. reported Diluted EPS of $1.38, a Return on Average Assets (ROA) of 2.39%, and an industry-leading Net Interest Margin (NIM) of 6.03% for Q2 2025.
- The company's branchless and tech-enabled model contributed to a Return on Tangible Common Equity (ROTCE) of 18.74% and a strong efficiency ratio of 47.6%.
- As of June 30, 2025, Loans, net of deferred fees, grew to $1,495 million and Total Deposits reached $1,782 million.
- The Payment Processing vertical, which services 92,000 merchants nationally, generated $5,107 thousand in payment processing income for Q2 2025, with fee income representing 17% of total revenue.
Jul 24, 2025, 1:00 PM
Esquire Financial Holdings Annual Meeting and Proxy Vote Outcomes
ESQ
Proxy Vote Outcomes
Executive Compensation
New Projects/Investments
- Board Election and Proxies: The annual meeting confirmed the election of three directors (two for a 1-year term and one for a 3-year term), ratified Crowe LLP as the independent public accounting firm, and approved an advisory vote on executive compensation with strong proxy vote results (director nominees ≥ 83.92%, ratification at 98.83%, and advisory vote at 96.77%).
- Company Performance Highlights: Executives highlighted robust growth metrics, including an EPS growth of 33% over the past five years and significant expansion in key sectors, notably the $443 billion litigation market and $11 trillion payment market, with strong transaction volumes and deposit support.
- Operational Focus: The discussion emphasized strategic management practices, including credit portfolio management, selective commercial lending in multifamily and real estate, and a focus on technology and efficiency (operating with around 140 employees and a cost of funds of 91 basis points).
May 31, 2025, 8:21 AM
Esquire Financial Holdings Q1 2025 Results & Dividend Announcement
ESQ
Dividends
Earnings
Revenue Acceleration/Inflection
- Q1 2025 Financial Results: Net income of $11.4M (+13%, EPS $1.33) and total revenue rose 15% to $33.8M, driven by a net interest margin of 5.96% .
- Quarterly dividend of $0.175 per share (raised 17%) declared for Q1 2025, payable on June 2, 2025 with a record date of May 15, 2025 .
- Diversified portfolio: Maintaining $835M in law firm loans and $523M in DDA deposits supports a liquid balance sheet .
- Accelerated noninterest income: Payment processing segment, servicing 90,000 merchants, contributed fees representing 18% of quarterly revenue .
- Strategic vertical growth: Achieved approximately 20% CAGR in litigation loans and 14% CAGR in payment processing income since 2020 .
- Operational efficiency: Efficiency ratio of 49.6% with an allowance for credit losses at 1.37% .
Apr 24, 2025, 8:30 PM
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