Esquire Financial Holdings, Inc. (ESQ)

ESQ Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	52.71	50.82	43.66	41.01	28.52	17.93
Depreciation & Amortization	2.18	1.97	1.45	1.27	1.17	1.22
Other Amortization	1.72	1.72	1.84	1.26	1.38	1.01
Gain (Loss) on Sale of Investments	0.43	0.04	0.43	-3.58	0.54	0.78
Provision for Credit Losses	10.25	9.68	4.7	4.53	3.49	6.96
Accrued Interest Receivable	-2.48	-2.52	-0.99	-3.36	-1.57	0.33
Change in Other Net Operating Assets	-3.61	-6.73	-11.11	1.9	5.31	0.37
Other Operating Activities	0.02	0.02	-1.11	-2.55	-1.33	0.65
Operating Cash Flow	67.57	59.84	42.21	42.4	38.8	30.08
Operating Cash Flow Growth	39.28%	41.76%	-0.45%	9.29%	28.98%	92.94%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.19	-3.16	-0.71	-0.61	-0.07	-1
Investment in Securities	15.6	0.53	-2.36	56.24	-58.76	-33.21
Purchase / Sale of Intangibles	-2.07	-2.42	-2.44	-2.4	-1.16	-1.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-399.21	-367.93	-189.48	-259.23	-161.38	-134.35
Other Investing Activities	11.01	10.89	-113.28	-9.41	-0.13	0.01
Investing Cash Flow	-375.87	-362.09	-308.27	-215.4	-221.5	-170.49

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Repaid	-	-0	-0	-0	-0	-0
Net Debt Issued (Repaid)	-0	-0	-0	-0	-0	-0
Issuance of Common Stock	0.67	0.89	0.51	0.11	0.33	0.03
Repurchase of Common Stock	-4.14	-3.99	-3.42	-1.36	-0.34	-
Common Dividends Paid	-6.38	-5.86	-4.85	-3.72	-2.15	-
Net Increase (Decrease) in Deposit Accounts	397.37	420.77	234.94	179.06	199.83	224.36
Financing Cash Flow	387.51	411.81	227.17	174.09	197.67	224.38

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	79.21	109.56	-38.88	1.09	14.97	83.97

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	66.38	56.68	41.5	41.8	38.72	29.08
Free Cash Flow Growth	44.12%	36.58%	-0.71%	7.93%	33.19%	95.92%
Free Cash Flow Margin	44.46%	41.41%	34.55%	38.34%	47.94%	50.33%
Free Cash Flow Per Share	7.62	6.54	4.89	5.01	4.71	3.66

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	20.36	17.96	13.43	8.13	1.62	0.83
Cash Income Tax Paid	13.64	15.3	18	17.59	8.65	5.96

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 23, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 29, 2026

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