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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	101.88	98.46	82.71	55.26	42.16	35.68
Interest Income on Investments	16.93	14.92	9.17	5.74	2.37	2.95
Total Interest Income	118.81	113.37	91.89	60.99	44.53	38.63
Interest Paid on Deposits	14.13	13.44	8.11	1.64	0.83	1.19
Interest Paid on Borrowings	0	0	0	0	0	0.01
Total Interest Expense	14.14	13.44	8.12	1.65	0.83	1.19
Net Interest Income	104.68	99.93	83.77	59.35	43.7	37.44
Net Interest Income Growth (YoY)	19.84%	19.29%	41.16%	35.79%	16.73%	9.76%
Gain (Loss) on Sale of Investments	-	-	4.01	-	-	-
Other Non-Interest Income	24.66	24.9	25.74	24.84	21.32	14.65
Total Non-Interest Income	24.66	24.9	29.75	24.93	21.02	14.65
Non-Interest Income Growth (YoY)	-4.72%	-16.32%	19.36%	18.55%	43.54%	24.01%
Revenues Before Loan Losses	129.33	124.82	113.52	84.27	64.73	52.09
Provision for Loan Losses	5.2	4.7	4.53	3.49	6.96	6.25
Revenue	124.13	120.12	109	80.78	57.77	45.84
Revenue Growth (YoY)	14.72%	10.21%	34.93%	39.83%	26.04%	4.00%
Salaries and Employee Benefits	34.79	34.01	29.26	23.33	19.78	15.33
Occupancy Expenses	3.49	3.34	2.51	2.6	2.23	1.79
Federal Deposit Insurance	0.99	0.94	0.79	0.56	0.45	0.38
Selling, General & Administrative	20.46	19.56	17.49	12.7	10.64	9.31
Other Non-Interest Expense	3.29	3	3.06	2.79	1.97	1.86
Total Non-Interest Expense	63.02	60.84	53.12	41.98	35.06	28.67
EBT Excluding Unusual Items	61.11	59.28	55.88	38.8	22.71	17.17
Pretax Income	61.11	59.28	55.88	38.8	22.71	17.17
Income Tax Expense	16.1	15.62	14.87	10.28	4.78	4.55
Net Income	45.01	43.66	41.01	28.52	17.93	12.62
Net Income to Common	45.01	43.66	41.01	28.52	17.93	12.62
Net Income Growth	15.73%	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)	1.99%	1.70%	1.61%	3.36%	3.97%	-1.81%
EPS (Basic)	5.72	5.58	5.31	3.73	2.40	1.70
EPS (Diluted)	5.27	5.14	4.91	3.47	2.26	1.65
EPS Growth	13.51%	4.68%	41.50%	53.54%	36.97%	-9.34%
Dividend Per Share	0.625	0.600	0.475	0.280	-	-
Dividend Growth	19.05%	26.32%	69.64%	-	-	-
Effective Tax Rate	26.35%	26.35%	26.61%	26.50%	21.06%	26.50%

Updated Mar 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q