Esquire Financial Holdings, Inc. ESQ

Financials SIC 6029 - Commercial Banks, NEC NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Last close 118.96 2026-09-04
Market cap $1.44B 2026-06-30 share count
52-week range 92.10 - 134.81

Valuation FY2025 figures against the last close

P/S10.3x
P/E20.3x
P/FCF25.4x
EV/EBITDA—
Dividend yield0.4%
Diluted EPS5.87

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $139.4M$113.4M$91.9M$61.0M$44.5M$38.6M$36.7M$29.0M$20.4M$16.2M
Interest expense $121.5M$99.9M$83.8M$59.3M$828.0K$1.2M$2.5M$1.2M$538.0K$511.0K
Pre-tax income $65.7M$59.3M$55.9M$38.8M$22.7M$17.2M$19.1M$11.9M$7.0M$4.6M
Income tax $14.8M$15.6M$14.9M$10.3M$4.8M$4.5M$5.0M$3.2M$3.4M$1.8M
Net income $50.8M$43.7M$41.0M$28.5M$17.9M$12.6M$14.1M$8.7M$3.6M$2.8M
EPS, basic 6.305.585.313.732.401.701.911.180.590.56
EPS, diluted 5.875.144.913.472.261.651.821.130.580.55
Shares, diluted (wtd. avg.) 8.7M8.5M8.3M8.2M7.9M7.6M7.8M7.7M6.2M5.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $235.9M$126.3M$165.2M$164.1M$149.2M$65.2M$61.8M$30.6M$43.1M$43.0M
Property, plant and equipment $4.4M$2.4M$2.6M$2.7M$3.3M$3.0M$2.8M$2.7M$2.5M$2.8M
Total assets $2.37B$1.89B$1.62B$1.40B$1.18B$936.7M$798.0M$663.9M$533.6M$424.8M
Total liabilities $2.08B$1.66B$1.42B$1.24B$1.04B$810.6M$686.9M$571.1M$450.2M$372.6M
Retained earnings $197.8M$152.9M$114.3M$77.7M$51.5M$33.5M$20.9M$6.8M-$2.0M-$5.8M
Total equity $289.6M$237.1M$198.6M$157.6M$143.7M$126.1M$111.1M$92.8M$83.4M$52.2M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $59.8M$42.2M$42.4M$38.8M$30.1M$15.6M$16.3M$10.1M$4.0M$6.3M
Depreciation and amortisation $1.2M$880.0K$707.0K$703.0K$687.0K$568.0K$506.0K$421.0K$411.0K$411.0K
Capital expenditure $3.2M$714.0K$605.0K$73.0K$1.0M$750.0K$647.0K$569.0K$190.0K$2.7M
Investing cash flow -$362.1M-$308.3M-$215.4M-$221.5M-$170.5M-$135.4M-$97.3M-$142.7M-$108.8M-$65.6M
Financing cash flow $411.8M$227.2M$174.1M$197.7M$224.4M$123.2M$112.2M$120.1M$104.9M$69.1M
Dividends paid $5.9M$4.8M$3.7M$2.1M——————
Buybacks ——$286.0K——$567.0K————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-027706.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Total current assets
  • Total liabilities
  • SG&A
Total current assets, Total liabilities, SG&A by fiscal year, in US dollars The same figures are in the table below this chart. 0 1B 2B 3B Total liabilities, FY2016: 372.6M Total liabilities, FY2017: 450.2M Total liabilities, FY2018: 571.1M Total liabilities, FY2019: 686.9M Total liabilities, FY2020: 810.6M Total liabilities, FY2021: 1B Total liabilities, FY2022: 1.2B Total liabilities, FY2023: 1.4B Total liabilities, FY2024: 1.7B Total liabilities, FY2025: 2.1B FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Total current assets — — — — — — — — — —
Total liabilities $372.6M $450.2M $571.1M $686.9M $810.6M $1.04B $1.24B $1.42B $1.66B $2.08B
SG&A — — — — — — — — — —

Recent filings and events

  • Acquisition or disposal completed A purchase or sale of a significant business or asset has closed. Item 2.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Other event Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Other event Item 8.01
  • Shareholder vote Item 5.07
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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