Esquire Financial Holdings, Inc. (ESQ)

ESQ Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	106.43	98.46	82.71	55.26	42.16	35.68
Interest Income on Investments	18.54	14.92	9.17	5.74	2.37	2.95
Total Interest Income	124.96	113.37	91.89	60.99	44.53	38.63
Interest Paid on Deposits	15.35	13.44	8.11	1.64	0.83	1.19
Interest Paid on Borrowings	0	0	0	0	0	0.01
Total Interest Expense	15.36	13.44	8.12	1.65	0.83	1.19
Net Interest Income	109.61	99.93	83.77	59.35	43.7	37.44
Net Interest Income Growth (YoY)	19.68%	19.29%	41.16%	35.79%	16.73%	9.76%
Gain (Loss) on Sale of Investments	-	-	4.01	-	-	-
Other Non-Interest Income	24.96	24.9	25.74	24.84	21.32	14.65
Total Non-Interest Income	24.96	24.9	29.75	24.93	21.02	14.65
Non-Interest Income Growth (YoY)	-1.96%	-16.32%	19.36%	18.55%	43.54%	24.01%
Revenues Before Loan Losses	134.57	124.82	113.52	84.27	64.73	52.09
Provision for Loan Losses	7.73	4.7	4.53	3.49	6.96	6.25
Revenue	126.84	120.12	109	80.78	57.77	45.84
Revenue Growth (YoY)	12.91%	10.21%	34.93%	39.83%	26.04%	4.00%
Salaries and Employee Benefits	35.29	34.01	29.26	23.33	19.78	15.33
Occupancy Expenses	3.44	3.34	2.51	2.6	2.23	1.79
Federal Deposit Insurance	1.05	0.94	0.79	0.56	0.45	0.38
Selling, General & Administrative	21.55	19.56	17.49	12.7	10.64	9.31
Other Non-Interest Expense	3.53	3	3.06	2.79	1.97	1.86
Total Non-Interest Expense	64.85	60.84	53.12	41.98	35.06	28.67
EBT Excluding Unusual Items	61.99	59.28	55.88	38.8	22.71	17.17
Pretax Income	61.99	59.28	55.88	38.8	22.71	17.17
Income Tax Expense	15.58	15.62	14.87	10.28	4.78	4.55
Net Income	46.41	43.66	41.01	28.52	17.93	12.62
Net Income to Common	46.41	43.66	41.01	28.52	17.93	12.62
Net Income Growth	15.26%	6.45%	43.81%	59.10%	42.06%	-10.78%
Basic Shares Outstanding	8	8	8	8	7	7
Diluted Shares Outstanding	9	8	8	8	8	8
Shares Change (YoY)	2.38%	1.70%	1.61%	3.36%	3.97%	-1.81%
EPS (Basic)	5.86	5.58	5.31	3.73	2.40	1.70
EPS (Diluted)	5.39	5.14	4.91	3.47	2.26	1.65
EPS Growth	12.45%	4.68%	41.50%	53.54%	36.97%	-9.34%
Dividend Per Share	0.650	0.600	0.475	0.280	-	-
Dividend Growth	18.18%	26.32%	69.64%	-	-	-
Effective Tax Rate	25.13%	26.35%	26.61%	26.50%	21.06%	26.50%

Updated May 12, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q