Esquire Financial Holdings, Inc. (ESQ)

ESQ Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	51.63	50.82	43.66	41.01	28.52	17.93
Depreciation & Amortization	3.77	3.68	3.29	2.54	2.55	1.7
Provision for Credit Losses	10.88	9.68	4.7	4.53	3.49	6.96
Stock-Based Compensation	5.91	4.95	3.84	3.22	2.44	1.97
Net Change in Loans Held-for-Sale	-	-	-	-	0.58	0.84
Other Adjustments	0.13	-0.05	-1.16	-7.43	-1.85	0.18
Changes in Accrued Interest and Accounts Receivable	-2.51	-2.52	-0.99	-3.36	-1.57	0.33
Changes in Accrued Expenses	2.52	0.66	0.7	1.73	2.68	0.59
Changes in Other Operating Activities	-8.58	-7.39	-11.81	0.17	2.62	-0.22
Operating Cash Flow	63.54	59.84	42.21	42.4	38.8	30.08
Operating Cash Flow Growth	40.44%	41.76%	-0.45%	9.29%	28.98%	92.94%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	-	49.57	0.7	1.46
Net Change in Loans Held-for-Investment	-405.92	-367.93	-189.48	-259.23	-162.07	-134.54
Net Change in Securities and Investments	-10.16	11.03	-113.18	-9.3	-59.46	-34.66
Capital Expenditures	-2.19	-3.16	-0.71	-0.61	-0.07	-1
Purchases of Intangible Assets	-2.27	-2.42	-2.44	-2.4	-1.16	-1.94
Other Investing Activities	0.3	0.39	-2.46	6.56	-0.13	0.01
Investing Cash Flow	-419.69	-362.09	-308.27	-215.4	-221.5	-170.49
Net Change in Deposits	414.45	420.77	234.94	179.06	199.83	224.36
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-0	-0	-0	-0	-0	-0
Issuance of Common Stock	0.99	0.89	0.51	0.11	0.33	0.03
Repurchase of Common Stock	-3.99	-3.99	-3.42	-1.36	-0.34	-
Net Common Stock Issued (Repurchased)	-3	-3.1	-2.92	-1.25	-0.01	0.03
Common Dividends Paid	-6.12	-5.86	-4.85	-3.72	-2.15	-
Financing Cash Flow	405.33	411.81	227.17	174.09	197.67	224.38
Net Cash Flow	49.18	109.56	-38.88	1.09	14.97	83.97
Free Cash Flow	61.35	56.68	41.5	41.8	38.72	29.08
Free Cash Flow Growth	8.24%	36.58%	-0.71%	7.93%	33.19%	95.92%
FCF Margin	43.09%	41.41%	34.55%	38.35%	47.94%	50.33%
Free Cash Flow Per Share	7.07	6.54	4.89	5.01	4.71	3.66
Levered Free Cash Flow	44.63	42.1	34.12	41.48	34.73	19.32
Unlevered Free Cash Flow	-7	-8.73	-9.54	0.47	6.21	1.39

Updated May 11, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q