Esquire Financial Holdings, Inc. (ESQ)

ESQ Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	121.48	99.93	83.77	59.35	43.7
Net Interest Income Growth	21.57%	19.29%	41.16%	35.79%	16.73%
Non-Interest Income	25.08	24.9	29.75	24.93	21.02
Non-Interest Income Growth	0.74%	-16.32%	19.36%	18.55%	43.54%
Revenues Before Loan Losses	146.56	124.82	113.52	84.27	64.73
Provision for Credit Losses	9.68	4.7	4.53	3.49	6.96
Revenue	136.89	120.12	109	80.78	57.77
Revenue Growth (YoY)	13.95%	10.21%	34.93%	39.83%	26.04%
Compensation Expenses	42.31	37.85	32.48	25.77	21.74
Selling, General & Admin	-	20	17.58	13.42	11.35
Other Non-Interest Expenses	28.92	3	3.06	2.79	1.97
Total Non-Interest Expense	71.23	60.84	53.12	41.98	35.06
Pretax Income	65.65	59.28	55.88	38.8	22.71
Provision for Income Taxes	14.83	15.62	14.87	10.28	4.78
Net Income	50.82	43.66	41.01	28.52	17.93
Net Income to Common	50.82	43.66	41.01	28.52	17.93
Net Income Growth	16.41%	6.45%	43.81%	59.10%	42.06%
Shares Outstanding (Basic)	8	8	8	8	7
Shares Outstanding (Diluted)	9	8	8	8	8
Shares Change (YoY)	2.06%	1.70%	1.61%	3.36%	3.97%
EPS (Basic)	6.30	5.58	5.31	3.73	2.40
EPS (Diluted)	5.87	5.14	5.31	3.73	2.40
EPS Growth	14.20%	-3.20%	42.36%	55.42%	41.18%
Free Cash Flow	9.68	41.5	41.8	38.72	29.08
Free Cash Flow Growth	-76.69%	-0.71%	7.93%	33.19%	95.92%
Free Cash Flow Per Share	1.12	4.89	5.01	4.71	3.66
Dividends Per Share	0.700	0.600	0.475	0.280	-
Dividend Growth	16.67%	26.32%	69.64%	-	-
Profit Margin	37.13%	36.34%	37.63%	35.30%	31.03%
FCF Margin	7.07%	34.55%	38.35%	47.94%	50.33%
EBITDA	0	3.29	2.54	2.55	1.7
EBITDA Margin	0.00%	2.74%	2.33%	3.16%	2.94%
Effective Tax Rate	22.59%	26.35%	26.61%	26.50%	21.06%

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q