ESQ Stock - Esquire Financial Holdings, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $138.27M | $121.64M | $85.92M | $65.56M | $53.28M |
| Gross Profit | $120.12M | $109.00M | $80.78M | $57.77M | $45.84M |
| Gross Margin | 86.9% | 89.6% | 94.0% | 88.1% | 86.0% |
| Operating Income | $59.28M | $55.88M | $38.80M | $22.71M | $17.17M |
| Net Income | $43.66M | $41.01M | $28.52M | $17.93M | $12.62M |
| Net Margin | 31.6% | 33.7% | 33.2% | 27.3% | 23.7% |
| EPS | $5.58 | $5.31 | $3.73 | $2.40 | $1.70 |
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. As of January 25, 2022, the company operated a full-service branch in Jericho, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 24th 2025 | Raymond James | Downgrade | Market Perform | - |
| October 2nd 2024 | Keefe Bruyette | Downgrade | Market Perform | $72← $68 |
| January 16th 2024 | Raymond James | Initiation | Strong Buy | $60 |
| October 18th 2022 | Keefe Bruyette | Initiation | Outperform | $53 |
Earnings History & Surprises
ESQEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $1.56 | — | — | — |
Q4 2025 | Oct 23, 2025 | $1.46 | $1.47 | +0.7% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $1.38 | $1.38 | 0.0% | = MET |
Q2 2025 | Apr 24, 2025 | $1.30 | $1.33 | +2.3% | ✓ BEAT |
Q1 2025 | Mar 17, 2025 | — | $1.38 | — | — |
Q4 2024 | Oct 24, 2024 | $1.31 | $1.34 | +2.3% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $1.19 | $1.25 | +5.0% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $1.17 | $1.20 | +2.6% | ✓ BEAT |
Q1 2024 | Mar 29, 2024 | — | $1.18 | — | — |
Q4 2023 | Oct 23, 2023 | $1.13 | $1.17 | +3.5% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $1.05 | $1.10 | +4.8% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.94 | $1.11 | +18.1% | ✓ BEAT |
Q1 2023 | Mar 27, 2023 | — | $1.10 | — | — |
Q4 2022 | Oct 25, 2022 | $0.85 | $0.94 | +10.6% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.71 | $0.78 | +9.9% | ✓ BEAT |
Q2 2022 | Apr 25, 2022 | $0.65 | $0.66 | +1.5% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $0.65 | $0.83 | +27.7% | ✓ BEAT |
Q4 2021 | Oct 25, 2021 | $0.62 | $0.63 | +1.6% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $0.56 | $0.57 | +1.8% | ✓ BEAT |
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