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ESQ

Esquire Financial Holdings Inc

Jan 22 • 04:00PM ET

110.43

+0.74 0.67 %

Financial • Banks - Regional • USA • NASD

Jan 22, 11:45 AMEsquire Financial Holdings Inc reports fiscal Q4 2025 results with non-GAAP EPS $1.55 (+13% YoY) and revenue $39.4M (+19% YoY), beating estimates; net income $13.5M, strong loan and deposit growth, net interest income up 23.8% and a 6.05% net interest margin.

Peers: AX BOH NBTB EFSC BANF HOMB FULT BBT CUBI MSBI

| Held by: VTI AVUV IWM KRE VXF IWO VTWO SCHA DWAS PSC

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Index	RUT	P/E	18.81	EPS (ttm)	5.87	Insider Own	16.29%	Shs Outstand	8.55M	Perf Week	5.08%
Market Cap	945.88M	Forward P/E	15.97	EPS next Y	6.92	Insider Trans	-3.01%	Shs Float	7.17M	Perf Month	3.21%
Enterprise Value	-	PEG	-	EPS next Q	1.54	Inst Own	69.18%	Short Float	9.21%	Perf Quarter	9.49%
Income	50.82M	P/S	5.75	EPS this Y	7.55%	Inst Trans	-0.28%	Short Ratio	10.53	Perf Half Y	6.42%
Sales	164.50M	P/B	3.26	EPS next Y	9.56%	ROA	2.39%	Short Interest	0.66M	Perf YTD	8.19%
Book/sh	33.86	P/C	-	EPS next 5Y	-	ROE	19.30%	52W High	111.40 -0.87%	Perf Year	25.57%
Cash/sh	-	P/FCF	18.25	EPS past 3/5Y	19.13% 28.88%	ROIC	18.04%	52W Low	68.90 60.28%	Perf 3Y	165.33%
Dividend Est.	0.75 (0.68%)	EV/EBITDA	-	Sales past 3/5Y	24.21% 25.29%	Gross Margin	-	Volatility	3.06% 2.77%	Perf 5Y	426.86%
Dividend TTM	0.70 (0.63%)	EV/Sales	-	EPS Y/Y TTM	12.86%	Oper. Margin	39.91%	ATR (14)	3.06	Perf 10Y	-
Dividend Ex-Date	Nov 14, 2025	Quick Ratio	-	Sales Y/Y TTM	18.97%	Profit Margin	30.90%	RSI (14)	60.57	Recom	2.33
Dividend Gr. 3/5Y	35.72% -	Current Ratio	0.41	EPS Q/Q	13.27%	SMA20	4.21%	Beta	0.46	Target Price	119.50
Payout	11.93%	Debt/Eq	0.01	Sales Q/Q	20.03%	SMA50	6.42%	Rel Volume	1.44	Prev Close	109.69
Employees	138	LT Debt/Eq	0.01	Earnings	Jan 22 BMO	SMA200	14.12%	Avg Volume	62.70K	Price	110.43
IPO	Jun 27, 2017	Option/Short	No / Yes	EPS/Sales Surpr.	1.31% 3.50%	Trades		Volume	89,472	Change	0.67%

Date	Action	Analyst	Rating Change	Price Target Change
Jan-24-25	Downgrade	Raymond James	Strong Buy → Mkt Perform
Oct-02-24	Downgrade	Keefe Bruyette	Outperform → Mkt Perform	$68 → $72
Jan-16-24	Initiated	Raymond James	Strong Buy	$60
Oct-18-22	Initiated	Keefe Bruyette	Outperform	$53

Jan-22-26 10:30AM	Esquire Financial (ESQ) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Lags Q4 Earnings Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FOURTH QUARTER AND FULL YEAR 2025 RESULTS (PR Newswire)
Dec-19-25 04:02PM	All-Star Stock Breaks Out As Big Demand Lifts Shares (Investor's Business Daily)
Dec-18-25 03:04PM	Breakout On Tap For This In-Demand Small-Cap All-Star (Investor's Business Daily)
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Dec-10-25 08:30AM	ESQUIRE FINANCIAL HOLDINGS NAMED TO PIPER SANDLER 2025 BANK & THRIFT SM-ALL STARS (PR Newswire)
Nov-25-25 12:00PM	All You Need to Know About Esquire Financial (ESQ) Rating Upgrade to Buy (Zacks)
Oct-30-25 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
Oct-23-25 10:00AM	Here's What Key Metrics Tell Us About Esquire Financial (ESQ) Q3 Earnings (Zacks)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Beats Q3 Earnings and Revenue Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS THIRD QUARTER 2025 RESULTS (PR Newswire)
Oct-22-25 06:40PM	NB Bancorp, Inc. (NBBK) Q3 Earnings Surpass Estimates (Zacks)
Sep-16-25 08:30AM	Esquire Bank Recognized as a 2025 Top Deposit Franchise by S&P Global Market Intelligence (PR Newswire)
Aug-12-25 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. EXPANDS NATIONAL FOOTPRINT WITH NEW LOS ANGELES BANKING LOCATION (PR Newswire)
Aug-08-25 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. EXPANDS HEADQUARTERS WITH A NEW 50,000 SQUARE-FOOT OFFICE LEASE IN JERICHO, NY (PR Newswire)
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Jul-24-25 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire) -5.85%
10:30AM	Esquire Financial (ESQ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
09:45AM	Esquire Financial Holdings, Inc. (ESQ) Matches Q2 Earnings Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS SECOND QUARTER 2025 RESULTS (PR Newswire)
Jul-22-25 05:45PM	First Bank (FRBA) Q2 Earnings Lag Estimates (Zacks)
Jun-24-25 08:30AM	ANA B2 Awards Recognizes Esquire Bank for Third Consecutive Year (PR Newswire)
Jun-10-25 08:30AM	Esquire Bank Awarded Raymond James Community Bankers Cup for Seventh Consecutive Year (PR Newswire)
Jun-09-25 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. APPOINTS RAYMOND KELLY AS A BOARD MEMBER (PR Newswire)
May-05-25 08:30AM	Esquire Financial Holdings Named to KBW's Bank Honor Roll for Second Consecutive Year (PR Newswire)
Apr-28-25 12:00PM	Esquire Financial (ESQ) Upgraded to Buy: Here's Why (Zacks)
Apr-24-25 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
10:00AM	Compared to Estimates, Esquire Financial (ESQ) Q1 Earnings: A Look at Key Metrics (Zacks)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Q1 Earnings and Revenues Top Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FIRST QUARTER 2025 RESULTS (PR Newswire)
Apr-23-25 05:30PM	CB Financial Services (CBFV) Beats Q1 Earnings Estimates (Zacks)
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Apr-17-25 08:30AM	Esquire Bank Recognized as a Best-Performing U.S. Small Community Bank of 2024 by S&P Global Market Intelligence (PR Newswire)
Apr-03-25 12:38PM	Esquire Financial Holdings: Still Bullish (Seeking Alpha)
Jan-30-25 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. INCREASES QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS BY 17% (PR Newswire)
Jan-23-25 10:30AM	Esquire Financial (ESQ) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Q4 Earnings Miss Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FOURTH QUARTER AND FULL YEAR 2024 RESULTS (PR Newswire)
Jan-03-25 08:01AM	Esquire Financial Holdings (ESQ) Rose as Earnings Exceeded Expectations (Insider Monkey)
Nov-07-24 08:30AM	Esquire Financial Holdings Named to Fortune's 100 Fastest-Growing Companies List (PR Newswire)
Oct-30-24 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
Oct-24-24 11:30AM	Here's What Key Metrics Tell Us About Esquire Financial (ESQ) Q3 Earnings (Zacks)
09:45AM	Esquire Financial Holdings, Inc. (ESQ) Q3 Earnings and Revenues Beat Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS THIRD QUARTER 2024 RESULTS (PR Newswire)
Aug-13-24 09:55AM	Wall Street Analysts See a 25.26% Upside in Esquire Financial (ESQ): Can the Stock Really Move This High? (Zacks)
Jul-26-24 09:30AM	Here's What Key Metrics Tell Us About Esquire Financial (ESQ) Q2 Earnings (Zacks)
Jul-25-24 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Tops Q2 Earnings and Revenue Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS SECOND QUARTER 2024 RESULTS (PR Newswire)
Jun-07-24 08:30AM	ESQUIRE BANK EXECUTES PATENT LICENSE AGREEMENT WITH USAA FOR REMOTE DEPOSIT CAPTURE TECHNOLOGY (PR Newswire)
May-20-24 08:30AM	Esquire Financial Holdings Earns Prestigious Recognition as Top Performing Community Bank in 2023 Raymond James Community Bankers Cup (PR Newswire)
May-17-24 09:55AM	Wall Street Analysts Think Esquire Financial (ESQ) Could Surge 27.1%: Read This Before Placing a Bet (Zacks)
May-06-24 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. INCLUDED IN KBW'S 2024 HONOR ROLL (PR Newswire)
May-01-24 09:55AM	Wall Street Analysts Believe Esquire Financial (ESQ) Could Rally 31.75%: Here's is How to Trade (Zacks)
Apr-25-24 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
11:00AM	Here's What Key Metrics Tell Us About Esquire Financial (ESQ) Q1 Earnings (Zacks)
10:13AM	Esquire Financial Holdings Inc (ESQ) Reports Q1 2024 Earnings: Aligns With EPS Projections (GuruFocus.com)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Q1 Earnings and Revenues Surpass Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FIRST QUARTER 2024 RESULTS (PR Newswire)
Feb-28-24 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. ANNOUNCES PLANS TO ESTABLISH A BRANCH IN SOUTHERN CALIFORNIA (PR Newswire)
Feb-19-24 09:55AM	Wall Street Analysts See a 26.61% Upside in Esquire Financial Holdings, Inc. (ESQ): Can the Stock Really Move This High? (Zacks)
Feb-12-24 09:55AM	Here's Why Esquire Financial Holdings, Inc. (ESQ) Is a Great 'Buy the Bottom' Stock Now (Zacks)
Feb-01-24 09:55AM	Wall Street Analysts Think Esquire Financial Holdings, Inc. (ESQ) Could Surge 26.35%: Read This Before Placing a Bet (Zacks)
Jan-31-24 05:00PM	ESQUIRE FINANCIAL HOLDINGS, INC. INCREASES QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS BY 20% (PR Newswire) -7.22%
Jan-25-24 11:00AM	Esquire Financial Holdings, Inc. (ESQ) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks)
09:40AM	Esquire Financial Holdings, Inc. (ESQ) Misses Q4 Earnings and Revenue Estimates (Zacks)
09:27AM	Esquire Financial Holdings Inc Reports Record Earnings for Q4 and Full Year 2023 (GuruFocus.com)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FOURTH QUARTER AND FULL YEAR 2023 RESULTS (PR Newswire)
Jan-11-24 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. ANNOUNCES STRATEGIC FINTECH INVESTMENT IN PAYZLI (PR Newswire)
Jan-04-24 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. APPOINTS RENA NIGAM AS BOARD MEMBER (PR Newswire)
Oct-26-23 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
Oct-23-23 01:12PM	Esquire Financial Holdings Inc (ESQ) Reports Strong Q3 2023 Results Driven by Commercial Loan Growth (GuruFocus.com)
10:05AM	Esquire Financial Holdings, Inc. (ESQ) Tops Q3 Earnings and Revenue Estimates (Zacks)
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS THIRD QUARTER 2023 RESULTS (PR Newswire)
Oct-02-23 08:30AM	ESQUIRE FINANCIAL HOLDINGS NAMED TO PIPER SANDLER 2023 BANK & THRIFT SM-ALL STARS (PR Newswire)
Sep-14-23 01:11PM	Director Selig Zises Sells 5,000 Shares of Esquire Financial Holdings Inc (ESQ) (GuruFocus.com)
Aug-09-23 06:07AM	Here's What We Like About Esquire Financial Holdings' (NASDAQ:ESQ) Upcoming Dividend (Simply Wall St.)
Aug-02-23 01:26PM	Here's Why Esquire Financial Holdings (NASDAQ:ESQ) Has Caught The Eye Of Investors (Simply Wall St.)
Jul-27-23 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
Jul-25-23 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS SECOND QUARTER 2023 RESULTS (PR Newswire)
Jul-18-23 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. EXPANDS NATIONAL FOOTPRINT WITH THE HIRING OF SIX REGIONAL BUSINESS DEVELOPMENT OFFICERS (PR Newswire)
Jun-14-23 08:46AM	Top 20 Most Profitable Banks in the World (Insider Monkey)
May-21-23 08:09AM	Esquire Financial Holdings (NASDAQ:ESQ) shareholders have earned a 36% CAGR over the last three years (Simply Wall St.)
May-09-23 08:30AM	ESQUIRE FINANCIAL HOLDINGS RANKS #1 IN 2022 RAYMOND JAMES COMMUNITY BANKERS CUP (PR Newswire)
May-04-23 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. WINS DEMAND GEN REPORT'S 2022 KILLER CONTENT AWARD (PR Newswire)
May-03-23 08:00AM	Esquire Financial Holdings, Inc. Expands Collaboration with Salesforce to Drive Business Growth (Business Wire)
May-02-23 04:30PM	ESQUIRE FINANCIAL HOLDINGS, INC. INCREASES QUARTERLY DIVIDEND BY 25% AND PROMOTES CEO & PRESIDENT TO VICE CHAIRMAN OF THE BOARD (PR Newswire)
Apr-25-23 08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FIRST QUARTER 2023 RESULTS (PR Newswire)
Mar-25-23 08:59AM	Esquire Financial Holdings, Inc. (NASDAQ:ESQ) is favoured by institutional owners who hold 52% of the company (Simply Wall St.)
Mar-23-23 12:00PM	Esquire Financial Holdings, Inc. (ESQ) Upgraded to Strong Buy: Here's What You Should Know (Zacks)
Mar-07-23 10:00AM	Best Momentum Stock to Buy for March 7th (Zacks)
07:16AM	New Strong Buy Stocks for March 7th (Zacks)
Feb-23-23 10:54AM	We Ran A Stock Scan For Earnings Growth And Esquire Financial Holdings (NASDAQ:ESQ) Passed With Ease (Simply Wall St.)
Jan-27-23 10:38AM	Esquire Financial Holdings Full Year 2022 Earnings: Beats Expectations (Simply Wall St.)
Jan-26-23 04:30PM	ESQUIRE FINANCIAL HOLDINGS DECLARES REGULAR QUARTERLY CASH DIVIDEND FOR COMMON STOCKHOLDERS (PR Newswire)
Jan-25-23 09:55AM	Esquire Financial Holdings, Inc. (ESQ) Q4 Earnings and Revenues Beat Estimates (Zacks) +8.46%
08:30AM	ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS FOURTH QUARTER AND FULL YEAR 2022 RESULTS (PR Newswire)
Dec-29-22 12:26PM	12 Best Performing Bank Stocks in 2022 (Insider Monkey)
Dec-22-22 07:23AM	New Strong Buy Stocks for December 22nd (Zacks)
Dec-11-22 09:21AM	Esquire Financial Holdings' (NASDAQ:ESQ) investors will be pleased with their solid 124% return over the last five years (Simply Wall St.)
Nov-15-22 05:19AM	Zacks.com featured highlights Ethan Allen Interiors, Global Partners, LPL Financial and Esquire Financial (Zacks)
Nov-14-22 06:55AM	4 Best Momentum Stocks to Buy Using Driehaus Strategy (Zacks)

Esquire Financial Holdings, Inc. engages in the provision of banking and financial solutions. It offers commercial banking services, which serve the financial needs of the legal industry and small business communities, and commercial and retail customers in the New York metropolitan market. The company was founded by Dennis Shields in 2006 and is headquartered in Jericho, NY.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Powers Richard T	Director	Jan 05 '26	Option Exercise	24.90	1,500	37,350	60,900	Jan 06 02:41 PM
Kornhaber Ari P	EVP and Head of Corp Dev	Jan 05 '26	Option Exercise	12.50	18,625	232,812	116,912	Jan 06 02:41 PM
Bader Eric S	EVP and COO	Jan 05 '26	Option Exercise	12.50	14,125	176,562	137,325	Jan 06 02:40 PM
Sagliocca Andrew C	Vice Chairman, President & CEO	Jan 05 '26	Option Exercise	12.50	29,250	365,625	294,172	Jan 06 02:40 PM
Melohn Joseph	Director	Aug 26 '25	Sale	100.05	9,000	900,450	127,531	Aug 27 04:07 PM
Melohn Joseph	Director	Aug 22 '25	Sale	99.90	11,000	1,098,884	137,857	Aug 26 04:29 PM
Melohn Joseph	Director	Aug 25 '25	Sale	100.00	1,326	132,600	136,531	Aug 26 04:29 PM
ZISES SELIG	Director	Aug 22 '25	Sale	99.71	17,000	1,695,096	21,001	Aug 26 04:28 PM
Coelho Anthony	Director	Aug 12 '25	Option Exercise	12.50	22,231	277,888	50,270	Aug 14 01:40 PM
ZISES SELIG	Director	Jul 31 '25	Sale	95.38	5,000	476,924	29,501	Aug 01 04:08 PM
Mitzman Robert	Director	Jul 25 '25	Option Exercise	12.50	20,000	250,000	141,926	Jul 28 12:52 PM
Deutsch Todd	Director	Jul 24 '25	Option Exercise	12.50	20,000	250,000	74,033	Jul 28 11:46 AM
Waterhouse Kevin C	Director	Apr 29 '25	Proposed Sale	83.87	3,000	251,597		May 19 12:25 PM
ZISES SELIG	Director	Apr 29 '25	Sale	84.09	13,000	1,093,139	30,501	May 01 09:56 AM
Waterhouse Kevin C	Director	Apr 29 '25	Sale	83.87	3,000	251,606	86,599	Apr 30 01:41 PM
Kornhaber Ari P	EVP and Head of Corp Dev	Apr 28 '25	Sale	83.51	20,000	1,670,230	104,644	Apr 29 04:37 PM
ARI KORNHABER	Officer	Apr 28 '25	Proposed Sale	83.51	20,000	1,670,230		Apr 28 04:13 PM
Mitzman Robert	Director	Apr 21 '25	Option Exercise	12.50	22,231	277,888	121,926	Apr 23 02:45 PM
ZISES SELIG	Director	Feb 28 '25	Sale	77.59	20,000	1,551,769	35,501	Mar 04 10:13 AM
Powers Richard T	Director	Feb 06 '25	Sale	86.99	1,427	124,135	58,997	Feb 07 11:26 AM
Powers Richard T	Director	Feb 06 '25	Proposed Sale	86.30	1,427	123,146		Feb 06 02:43 PM
Powers Richard T	Director	Jan 28 '25	Option Exercise	19.25	1,500	28,875	60,760	Jan 30 01:00 PM

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ESQ

Esquire Financial Holdings Inc

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