Esquire Financial Holdings, Inc. (ESQ)

ESQ Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	43.66	41.01	28.52	17.93	12.62
Depreciation & Amortization	1.45	1.27	1.17	1.22	0.96
Other Amortization	1.84	1.26	1.38	1.01	0.67
Gain (Loss) on Sale of Investments	0.43	-3.58	0.54	0.78	1.08
Provision for Credit Losses	4.7	4.53	3.49	6.96	6.25
Accrued Interest Receivable	-0.99	-3.36	-1.57	0.33	-1.29
Change in Other Net Operating Assets	-11.11	1.9	5.31	0.37	-4.94
Other Operating Activities	-1.11	-2.55	-1.33	0.65	-0.96
Operating Cash Flow	42.21	42.4	38.8	30.08	15.59
Operating Cash Flow Growth	-0.45%	9.29%	28.98%	92.94%	-4.41%
Capital Expenditures	-0.71	-0.61	-0.07	-1	-0.75
Investment in Securities	-115.54	46.95	-58.76	-33.21	-22.61
Purchase / Sale of Intangibles	-2.44	-2.4	-1.16	-1.94	-2.39
Net Decrease (Increase) in Loans Originated / Sold - Investing	-189.48	-259.23	-161.38	-134.35	-109.67
Other Investing Activities	-0.11	-0.12	-0.13	0.01	-0.03
Investing Cash Flow	-308.27	-215.4	-221.5	-170.49	-135.44
Long-Term Debt Repaid	-0	-0	-0	-0	-0.04
Net Debt Issued (Repaid)	-0	-0	-0	-0	-0.04
Issuance of Common Stock	0.51	0.11	0.33	0.03	0.4
Repurchase of Common Stock	-3.42	-1.36	-0.34	-	-0.57
Common Dividends Paid	-4.85	-3.72	-2.15	-	-
Net Increase (Decrease) in Deposit Accounts	234.94	179.06	199.83	224.36	123.43
Financing Cash Flow	227.17	174.09	197.67	224.38	123.23
Net Cash Flow	-38.88	1.09	14.97	83.97	3.38
Free Cash Flow	41.5	41.8	38.72	29.08	14.84
Free Cash Flow Growth	-0.71%	7.93%	33.19%	95.92%	-5.25%
Free Cash Flow Margin	34.55%	38.34%	47.94%	50.33%	32.38%
Free Cash Flow Per Share	4.89	5.01	4.71	3.66	1.94
Cash Interest Paid	13.43	8.13	1.62	0.83	1.2
Cash Income Tax Paid	18	17.59	8.65	5.96	6.25

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

SEC Filings: 10-K · 10-Q