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Esquire Financial Holdings, Inc.

ESQ

$131.26 ▼ -0.03 (-0.02%) at close

12 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Esquire Financial Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.1B

Dividend Yield 0.53%

Revenue Growth 17.4% ↗

Op. Margin 44.8% ↘

ROIC None

FCF / Share None

Trailing P/E 20.8x

Price / Book 3.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

12-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$146.56M

↑ +17.4% —

Net Income Profit after all expenses

$50.82M

↑ +16.4% —

Operating Margin Operating profit as % of sales

44.8%

↓ -5.7% 96th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.70 Latest / share

+16.7% YoY

+35.7% 4-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

$0.28

FY 2022

$0.47

FY 2023

$0.60

FY 2024

$0.70

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	17.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+190%)	10.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	34.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+479%)	30.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+403%)	24.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+304%)	13.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+124%)	29.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+384%)	40.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+571%)	28.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+371%)	32.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+441%)	—	—
EPS Growth YoY (%)	12.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	5.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	42.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	55.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	41.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-11.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	61.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.4% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	124.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	16.4% Good ↓ Good Declining Year-over-year change in net income	6.5% Fair ↓ Fair Declining Year-over-year change in net income	43.8% Excellent ↑ Excellent Improving Year-over-year change in net income	59.1% Excellent ↑ Excellent Improving Year-over-year change in net income	42.1% Excellent ↓ Excellent Declining Year-over-year change in net income	-10.8% Weak ↓ Weak Declining Year-over-year change in net income	61.9% Excellent ↓ Excellent Declining Year-over-year change in net income	139.7% Excellent ↑ Excellent Improving Year-over-year change in net income	29.1% Excellent Excellent Year-over-year change in net income	140.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	20.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.5% Excellent → Excellent Stable Compound annual revenue growth over 3 years	29.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	22.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	22.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	27.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.4% Excellent Excellent Compound annual revenue growth over 3 years	33.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	23.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	26.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	27.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	26.8% Excellent Excellent Compound annual revenue growth over 5 years	28.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	19.1% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	32.5% Excellent → Excellent Stable Compound annual EPS growth over 3 years	46.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	26.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	42.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	50.5% Excellent Excellent Compound annual EPS growth over 3 years	67.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	44.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	47.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	49.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	46.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	35.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	33.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	41.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	33.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	27.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.2% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	12.3% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	—
Effective Tax Rate (%) (%)	22.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	48.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	34.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	36.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	33.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	27.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	24.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	24.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	14.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	14.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	7.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	17.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	18.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+53%)	20.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+72%)	18.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+50%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	5.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	2.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	$18.18	$15.97	$14.71	$11.03	$8.67	$7.03	$6.22	$4.83	$4.12	$3.99	$3.35	—
Basic EPS, GAAP (USD)	$6.30	$5.58	$5.31	$3.73	$2.40	$1.70	$1.91	$1.18	$0.59	$0.56	$0.25	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.70	$0.60	$0.47	$0.28	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$33.86	$28.38	$23.96	$19.30	$17.77	$16.18	$14.51	$12.32	$11.38	$10.43	$11.08	—
Tangible Book Value per Share (USD)	$33.86	$28.38	$23.96	$19.30	$17.77	$16.18	$14.51	$12.32	$11.38	$10.43	$11.08	—
Basic Weighted Avg Shares (shares)	8.06M	7.82M	7.72M	7.64M	7.47M	7.41M	7.39M	7.37M	6.16M	4.96M	4.46M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$289.60M	$237.09M	$198.56M	$158.16M	$143.74M	$126.08M	$111.06M	$92.77M	$83.38M	$52.19M	$49.42M	$38.54M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$146.56M	$124.82M	$113.52M	$84.27M	$64.73M	$52.09M	$45.92M	$35.59M	$25.37M	$19.78M	$14.94M	—
Depreciation Expense (USD)	$1.22M	$880.00K	$707.00K	$703.00K	$687.00K	$568.00K	$506.00K	$421.00K	$421.00K	$166.00K	$237.00K	—
Net Income, GAAP (USD)	$50.82M	$43.66M	$41.01M	$28.52M	$17.93M	$12.62M	$14.14M	$8.73M	$3.64M	$2.82M	$1.17M	—
Operating Cash Flow (USD)	$59.84M	$42.21M	$42.40M	$38.80M	$30.08M	$15.59M	$16.31M	$9.43M	$3.98M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Net Interest Margin (approx.) (%)	5.1%	5.3%	5.2%	4.3%	3.7%	4.0%	4.3%	4.2%	3.7%	3.7%	—	—
Efficiency Ratio (%) (%)	48.6%	48.7%	46.8%	49.8%	54.2%	55.0%	54.3%	62.6%	68.7%	73.8%	81.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 12 years · 42 quarters

Esquire Financial Holdings, Inc.

Analytical Summary

12-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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