Esquire Financial Holdings, Inc.

ESQ

Esquire Financial Holdings, Inc.

ESQ

Insider Sentiment (TTM):

Last Purchase:2024-12-09Last Sale:2026-03-19Shares Purchased (TTM):0Shares Sold (TTM):16,308

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:5,684,072Shares Outstanding:8,252,720Institutional Ownership Pct.:68.88%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Cash Equivalents At Carrying Value	242	222	236	241	163	173	126	148	153	158	165	121
Available For Sale Securities Debt Securities	240	258	247	265	257	237	242	211	177	142	122	114
Debt Securities Held To Maturity Amortized Cost Af…	56	58	60	62	64	67	69	71	73	75	77	79
Debt Securities Available For Sale Restricted	3	3	3	3	3	3	3	3	3	3	3	3
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	-	-	-	-	1,113
Assets
Assets	2,511	2,421	2,366	2,184	2,060	1,954	1,893	1,782	1,716	1,654	1,617	1,482
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-	-15
Financing Receivable Excluding Accrued Interest Be…	-	1,815	1,758	1,547	1,495	1,416	1,397	-	-	-	1,207	-
Financing Receivable Allowance For Credit Loss Exc…	-	-24	-24	-21	-19	-19	-21	-	-	-	-17	-
Financing Receivable Excluding Accrued Interest Af…	-	1,792	1,734	1,526	1,475	1,396	1,376	-	-	-	1,191	1,098
Property Plant And Equipment Net	4	4	4	4	4	3	2	3	3	3	3	3
Interest Receivable	-	-	-	-	-	-	-	10	9	9	9	8
Financing Receivable Accrued Interest After Allowa…	-	13	13	12	11	11	10	-	-	-	9	-
Deferred Income Tax Assets Net	-	-	11	-	-	-	13	-	-	-	12	-
Other Assets	74	70	57	71	81	64	51	59	56	53	35	57
Liabilities And Stockhold…
Deposits By Type
Demand Deposit Accounts	552	546	576	606	567	523	498	539	483	473	473	472
Deposits Money Market Deposits And Negotiable Orde…	1,622	1,542	1,480	1,268	1,209	1,159	1,130	983	992	947	926	802
Deposits
Deposits	2,180	2,103	2,063	1,879	1,782	1,688	1,642	1,536	1,487	1,434	1,407	1,283
Time Deposits	6	14	6	6	6	6	14	14	12	14	8	8
Accrued Liabilities And Other Liabilities	17	17	13	26	14	16	13	14	11	13	11	14
Liabilities	2,197	2,120	2,076	1,905	1,796	1,704	1,655	1,550	1,498	1,447	1,418	1,297
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	114	112	110	109	107	105	104	103	102	101	100	99
Stockholders Equity
Stockholders Equity	314	301	290	279	264	251	237	233	217	207	199	186
Retained Earnings Accumulated Deficit	220	208	198	186	173	163	153	142	132	123	114	105
Accumulated Other Comprehensive Income Loss Net Of…	-10	-9	-8	-10	-11	-12	-14	-10	-14	-14	-13	-17
Treasury Stock Common Value	-10	-10	-10	-6	-6	-6	-6	-3	-3	-3	-2	-1
Liabilities And Stockholders Equity	2,511	2,421	2,366	2,184	2,060	1,954	1,893	1,782	1,716	1,654	1,617	1,482
Held To Maturity Securities Fair Value	51	53	56	57	59	60	61	65	65	67	69	68
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	2	2	2	2	2	2	2	2	2	2	2	2
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	0	0	-	-	0	-	-	-	0	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	15	15	15	15	15	15	15	15	15	15	15	15
Common Stock Shares Issued	9	9	9	9	9	9	8	8	8	8	8	8
Shares Outstanding	9	9	9	9	8	8	8	8	8	8	8	8
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.80%	14.45%	22.89%	-	-	-	-	-	-	-	-	-
2025	1.25%	11.81%	5.26%	5.03%	10.89%	9.87%	5.37%	8.43%	11.68%	-0.95%	-2.71%	0.10%
2024	-7.70%	-4.01%	19.59%	7.65%	10.82%	20.30%	4.87%	7.12%	20.37%	8.05%	25.97%	26.30%
2023	-	-	-	-5.31%	-8.92%	-8.34%	4.45%	9.15%	15.04%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.48	-0.47	-0.46	-0.44	-0.43	-0.42	-0.18	0.23	1.19	6.17	7.89	10.23
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	-	-	15,467.36
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	-	-	0.02
Per Share Metrics
Diluted EPS TTM	6.04	5.93	5.87	5.65	5.37	5.23	5.14	4.91	4.79	4.63	4.91	4.80
Free Cash Flow Per Share TTM	8.02	7.43	7.03	6.40	5.74	5.46	5.31	5.90	5.93	5.10	5.42	4.41
Dividend Per Share TTM	0.74	0.74	0.73	0.51	0.49	0.63	0.62	0.60	0.56	0.53	0.48	0.44
Margin Metrics
Gross Profit Margin TTM	86.86%	87.03%	87.13%	87.21%	87.71%	88.10%	88.14%	87.50%	87.93%	86.07%	84.87%	74.72%
Operating Profit Margin TTM	45.33%	45.76%	47.09%	48.41%	49.60%	51.43%	52.29%	52.84%	53.32%	65.18%	91.99%	233.34%
Net Profit Margin TTM	34.07%	35.13%	36.45%	37.21%	37.14%	37.88%	38.51%	38.64%	39.12%	47.83%	67.51%	171.52%
Growth Metrics
Net Revenue Growth (1Y)	23.80%	23.67%	22.97%	22.01%	21.41%	46.13%	86.64%	360.96%	19,102.61%	28,428.07%	68,928.41%	40.40%
Net Income Growth (1Y)	13.58%	14.71%	16.41%	17.52%	15.26%	15.73%	6.45%	3.84%	5.63%	10.00%	43.81%	53.99%
EPS Growth (1Y)	10.22%	11.04%	12.89%	13.46%	11.95%	12.80%	5.08%	2.54%	4.41%	8.89%	42.35%	52.38%
Valuation Metrics
P/E TTM	18.67	17.13	16.11	16.70	16.23	13.24	14.05	12.01	9.06	9.31	9.18	8.53
P/B TTM	3.14	2.93	2.83	2.94	2.86	2.38	2.59	2.16	1.68	1.75	1.90	1.85
P/S TTM	6.36	6.02	5.87	6.22	6.03	5.01	5.41	4.64	3.54	4.45	6.20	14.63
Market Cap	984.05M	884.13M	818.49M	820.23M	753.34M	595.72M	613.54M	502.06M	364.70M	362.06M	376.41M	343.37M
Enterprise Value	741.87M	661.91M	582.60M	579.47M	590.37M	422.68M	487.21M	354.40M	211.97M	203.81M	211.20M	222.72M
Calculated Values
Free Cash Flow TTM	66.38M	61.35M	56.68M	51.83M	46.06M	43.61M	41.50M	46.14M	46.25M	39.73M	41.80M	34.05M
Net Debt	-242.18M	-222.22M	-235.89M	-240.76M	-162.97M	-173.04M	-126.33M	-147.66M	-152.73M	-158.24M	-165.21M	-120.65M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-19Sale

Owner: Powers, Richard T

Title: -

Shares: 2,308

Price/Share: $104.83

Value: $241,947.64

Shares Owned: 58,233

Relationship: Director

Ownership: Direct

2026-03-19Sale

Owner: Zises, Selig

Title: -

Shares: 5,000

Price/Share: $105.12

Value: $525,600.00

Shares Owned: 6,501

Relationship: Director

Ownership: Indirect

2025-08-26Sale

Owner: Melohn, Joseph

Title: -

Shares: 9,000

Price/Share: $99.78

Value: $898,020.00

Shares Owned: 127,531

Relationship: Director

Ownership: Indirect

2025-08-22Sale

Owner: Zises, Selig

Title: -

Shares: 17,000

Price/Share: $99.71

Value: $1,695,070.00

Shares Owned: 21,001

Relationship: Director

Ownership: Indirect

2025-08-22Sale

Owner: Melohn, Joseph

Title: -

Shares: 11,000

Price/Share: $99.55

Value: $1,095,050.00

Shares Owned: 137,857

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-19	Powers, Richard T	Director	-	Direct	Sale	2,308	104.83	$241,947.64	58,233	4
2026-03-19	Zises, Selig	Director	-	Indirect	Sale	5,000	105.12	$525,600.00	6,501	4
2025-08-26	Melohn, Joseph	Director	-	Indirect	Sale	9,000	99.78	$898,020.00	127,531	4
2025-08-22	Zises, Selig	Director	-	Indirect	Sale	17,000	99.71	$1,695,070.00	21,001	4
2025-08-22	Melohn, Joseph	Director	-	Indirect	Sale	11,000	99.55	$1,095,050.00	137,857	4
2025-07-31	Zises, Selig	Director	-	Indirect	Sale	5,000	95.36	$476,800.00	29,501	4
2025-04-29	Waterhouse, Kevin C	Director	-	Direct	Sale	3,000	83.87	$251,610.00	86,599	4
2025-04-29	Zises, Selig	Director	-	Indirect	Sale	13,000	84.08	$1,093,040.00	30,501	4
2025-04-28	Kornhaber, Ari P	Officer	EVP and Head of Corp Dev	Direct	Sale	20,000	83.85	$1,677,000.00	104,644	4
2025-02-28	Zises, Selig	Director	-	Indirect	Sale	20,000	77.51	$1,550,200.00	35,501	4
2025-02-06	Powers, Richard T	Director	-	Direct	Sale	1,427	86.99	$124,134.73	58,997	4
2024-12-18	Melohn, Joseph	Director	-	Indirect	Sale	3,000	79.50	$238,500.00	0	4
2024-12-17	Zises, Selig	Director	-	Indirect	Sale	2,000	78.13	$156,260.00	57,601	4
2024-12-09	Nigam, Rena	Director	-	Direct	Purchase	640	77.50	$49,600.00	1,867	4
2024-11-29	Zises, Selig	Director	-	Indirect	Sale	3,000	76.65	$229,950.00	59,601	4
2024-11-26	Zises, Selig	Director	-	Indirect	Sale	8,000	76.76	$614,080.00	62,601	4
2024-06-17	Zises, Selig	Director	-	Indirect	Sale	2,500	45.87	$114,675.00	107,533	4
2024-05-23	Zises, Selig	Director	-	Indirect	Sale	5,000	47.38	$236,900.00	110,033	4
2024-03-05	Zises, Selig	Director	-	Indirect	Sale	10,000	49.79	$497,900.00	125,033	4
2023-12-14	Powers, Richard T	Director	-	Direct	Sale	950	50.16	$47,652.00	57,727	4
2023-11-09	Zises, Selig	Director	-	Indirect	Sale	6,597	46.49	$306,694.53	65,501	4
2023-09-12	Zises, Selig	Director	-	Indirect	Sale	2,000	46.72	$93,440.00	71,501	4
2023-08-21	Zises, Selig	Director	-	Indirect	Sale	5,000	47.75	$238,750.00	149,033	4
2023-05-22	Zises, Selig	Director	-	Indirect	Sale	8,000	42.41	$339,280.00	154,033	4
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Institutional Ownership

No data available for chart

2026-03-31

68.88%

Inst. Shares: 5,684,072

Shares Outstanding: 8,252,720

2025-12-31

67.43%

Inst. Shares: 5,436,024

Shares Outstanding: 8,061,589

2025-09-30

65.92%

Inst. Shares: 5,335,879

Shares Outstanding: 8,094,441

2025-06-30

65.60%

Inst. Shares: 5,267,035

Shares Outstanding: 8,029,541

2025-03-31

63.24%

Inst. Shares: 5,051,859

Shares Outstanding: 7,988,999

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	5,684,072	8,252,720	68.88%
2025-12-31	5,436,024	8,061,589	67.43%
2025-09-30	5,335,879	8,094,441	65.92%
2025-06-30	5,267,035	8,029,541	65.60%
2025-03-31	5,051,859	7,988,999	63.24%
2024-12-31	4,445,092	7,817,626	56.86%
2024-09-30	4,249,604	7,815,197	54.38%
2024-06-30	4,275,268	7,798,441	54.82%
2024-03-31	4,326,276	7,786,887	55.56%
2023-12-31	4,179,170	7,716,367	54.16%
2023-09-30	4,233,911	7,717,971	54.86%
2023-06-30	4,348,034	7,708,350	56.41%
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Esquire Financial Holdings, Inc. (ESQ) — SEC Financial Statements & Analysis

Esquire Financial Holdings, Inc. (ESQ) is a commercial banks, nec company, incorporated in MD. Esquire Financial Holdings, Inc. trades on Nasdaq as: ESQ. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Esquire Financial Holdings, Inc. reported a 23.80% year-over-year revenue growth, a Gross Profit Margin of 86.86% (TTM), a Price-to-Sales (P/S) ratio of 6.36x (TTM), a Price-to-Book (P/B) ratio of 3.14x (TTM), at a market cap of $984.05M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 23.80%
Gross Profit Margin TTM: 86.86%
P/S TTM: 6.36x
P/B TTM: 3.14x
Market Cap: $984.05M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Esquire Financial Holdings, Inc. in?

Esquire Financial Holdings, Inc. (ESQ) operates in the Commercial Banks, NEC industry.

What is ESQ's market cap?

Esquire Financial Holdings, Inc. (ESQ) has a market capitalization of $984.05M as of 2026-06-30.

What is ESQ's P/E ratio?

Esquire Financial Holdings, Inc. (ESQ)'s trailing twelve month P/E ratio is 18.67x as of 2026-06-30.

What exchange does ESQ trade on?

Esquire Financial Holdings, Inc. (ESQ) trades on the Nasdaq.

Where is Esquire Financial Holdings, Inc. incorporated?

Esquire Financial Holdings, Inc. is incorporated in MD.