Esquire Financial Holdings, Inc. logo

Esquire Financial Holdings, Inc.

ESQ

NASDAQFinancial ServicesBanks - Regional

Regular session

$115.49

+$0.18 · +0.16%

Aug 24, 1:41 PM ET

ESQ company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

93

Deep Value

Momentum

50

Neutral

Sentiment

50

Mixed

Risk resilience

76

Moderate Risk

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Company profile

Company website

Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and financial services across the United States. Its clientele includes the legal sector, small businesses, and both corporate and individual clients. The company's deposit offerings encompass checking, savings, money market, and time deposits, alongside certificates of deposit. Its lending portfolio is extensive, providing commercial loans tailored for operational liquidity, such as short-term funding for inventory, accounts receivable, or supplies, in addition to financing for approved merchant clientele. It also extends commercial lines of credit. Consumer loan options are available for various needs, including post-settlement and structured settlement financing for plaintiffs and claimants, as well as personal loans to individuals for purposes like consolidating debt, covering medical costs, managing living expenses, or settling outstanding bills. Furthermore, it originates real estate loans for multifamily, single-family residential, commercial properties, and construction projects. Merchant services are another component of its offerings. Established in 2006, Esquire Financial Holdings, Inc. maintains its primary corporate office in Jericho, New York. As of early 2022 (specifically January 25), its physical presence included a full-service branch situated in Jericho, New York, and an administrative hub located in Boca Raton, Florida.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Andrew C. Sagliocca
Listed since
Jun 27, 2017
Employees
151

Market position

Day range

Current $115.49

52-week range

Current $115.49

Open
$115.81
Previous close
$115.31
Volume
51.28K
0.39× average
Average volume
129.88K
Average daily volume
Market cap
997.77M USD
Beta
0.38
Market reference 1
50-day average
$121.69
-5.09% below average
200-day average
$110.31
+4.70% above average

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%74%47%21%Gross margin, FY2021: 88.13%Gross margin, FY2022: 94.02%Gross margin, FY2023: 89.61%Gross margin, FY2024: 86.88%Gross margin, FY2025: 84.98%Operating margin, FY2021: 34.64%Operating margin, FY2022: 45.16%Operating margin, FY2023: 45.94%Operating margin, FY2024: 42.87%Operating margin, FY2025: 41.65%Net margin, FY2021: 27.34%Net margin, FY2022: 33.19%Net margin, FY2023: 33.72%Net margin, FY2024: 31.57%Net margin, FY2025: 30.91%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 88.13%. Gross margin FY2022 94.02%. Gross margin FY2023 89.61%. Gross margin FY2024 86.88%. Gross margin FY2025 84.98%. Operating margin FY2021 34.64%. Operating margin FY2022 45.16%. Operating margin FY2023 45.94%. Operating margin FY2024 42.87%. Operating margin FY2025 41.65%. Net margin FY2021 27.34%. Net margin FY2022 33.19%. Net margin FY2023 33.72%. Net margin FY2024 31.57%. Net margin FY2025 30.91%.

Income trends

Revenue

164.5M USD+18.97%

Operating income

68.52M USD+15.58%

Net income

50.85M USD+16.48%
Income trends across reported periods179.15M USD120.53M USD61.9M USD3.27M USDRevenue, FY2021: 65.56M USDRevenue, FY2022: 85.92M USDRevenue, FY2023: 121.64M USDRevenue, FY2024: 138.27M USDRevenue, FY2025: 164.5M USDOperating income, FY2021: 22.71M USDOperating income, FY2022: 38.8M USDOperating income, FY2023: 55.88M USDOperating income, FY2024: 59.28M USDOperating income, FY2025: 68.52M USDNet income, FY2021: 17.93M USDNet income, FY2022: 28.52M USDNet income, FY2023: 41.01M USDNet income, FY2024: 43.66M USDNet income, FY2025: 50.85M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 65.56M USD. Revenue FY2022 85.92M USD. Revenue FY2023 121.64M USD. Revenue FY2024 138.27M USD. Revenue FY2025 164.5M USD. Operating income FY2021 22.71M USD. Operating income FY2022 38.8M USD. Operating income FY2023 55.88M USD. Operating income FY2024 59.28M USD. Operating income FY2025 68.52M USD. Net income FY2021 17.93M USD. Net income FY2022 28.52M USD. Net income FY2023 41.01M USD. Net income FY2024 43.66M USD. Net income FY2025 50.85M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue164.5M USD138.27M USD121.64M USD85.92M USD65.56M USD
Cost of goods sold24.71M USD18.14M USD12.64M USD5.14M USD7.78M USD
Gross profit139.79M USD120.12M USD109M USD80.78M USD57.77M USD
Selling, general, and administrative45.8M USD42.3M USD35.1M USD27.79M USD23.36M USD
Operating expenses71.27M USD60.84M USD53.12M USD41.98M USD35.06M USD
Interest income139.42M USD113.37M USD91.89M USD60.99M USD44.53M USD
Interest expense17.94M USD13.44M USD8.12M USD1.65M USD828K USD
Depreciation and amortization2.76M USD3.29M USD2.54M USD2.55M USD2.24M USD
Operating income68.52M USD59.28M USD55.88M USD38.8M USD22.71M USD
Net income50.85M USD43.66M USD41.01M USD28.52M USD17.93M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+2.49%
11 comparable reports
Latest EPS result
1.6
Estimate 1.56 · Beat by 2.56%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.881.661.451.23Q1 '25MissQ2 '25BeatQ3 '25MetQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 1.37, estimate 1.38, surprise -0.72%, Miss. Q2 2025, reported Apr 24, 2025: actual 1.33, estimate 1.3, surprise +2.31%, Beat. Q3 2025, reported Jul 24, 2025: actual 1.38, estimate 1.38, surprise 0.00%, Met estimate. Q4 2025, reported Oct 23, 2025: actual 1.47, estimate 1.46, surprise +0.68%, Beat. Q1 2026, reported Jan 22, 2026: actual 1.55, estimate 1.56, surprise -0.64%, Miss. Q2 2026, reported Apr 23, 2026: actual 1.58, estimate 1.52, surprise +3.95%, Beat. Q3 2026, reported Jul 23, 2026: actual 1.6, estimate 1.56, surprise +2.56%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 1.81, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates61.43M51.09M40.76M30.42MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 33.06M USD, estimate 32.86M USD, surprise +0.61%, Beat. Q2 2025, reported Apr 24, 2025: actual 33.76M USD, estimate 32.79M USD, surprise +2.97%, Beat. Q3 2025, reported Jul 24, 2025: actual 35.83M USD, estimate 34.34M USD, surprise +4.34%, Beat. Q4 2025, reported Oct 23, 2025: actual 37.57M USD, estimate 36.31M USD, surprise +3.47%, Beat. Q1 2026, reported Jan 22, 2026: actual 39.4M USD, estimate 38.07M USD, surprise +3.50%, Beat. Q2 2026, reported Apr 23, 2026: actual 40.46M USD, estimate 39.53M USD, surprise +2.34%, Beat. Q3 2026, reported Jul 23, 2026: actual 42.13M USD, estimate 41.59M USD, surprise +1.30%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 59.07M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy125%
Buy250%
Hold125%
Sell00%
Strong sell00%

ESQ peers

ETFs holding ESQ

Funds reporting this stock among their holdings, ordered by reported position size.

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