Esquire Financial Holdings, Inc. (ESQ)

From the record

Esquire Financial Holdings, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Esquire Financial Holdings, Inc.'s 10 filed years say what it did: revenue went from $16 million in fiscal 2016 to $139 million in fiscal 2025, up 27% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Esquire Financial Holdings, Inc.'s diluted share count grew about 1.8% a year, and dividends and buybacks returned about 10% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 18 sales and 0 purchases of their own stock on the open market in the year to 2026-11-02 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Esquire Financial Holdings, Inc. earned about 18 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 2.1% over the year (the filed statements).

From the record

Esquire Financial Holdings, Inc.'s standing among 21 graded names in its industry family: revenue of $139 million in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 36.5% ranks in the top 20%; revenue growth of 31.7% a year over the last 3 filed years ranks in the top 20% (its annual reports).

From the record

Esquire Financial Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Sagliocca, Andrew C (Vice Chairman, President & CEO, as filed), filing under that title since 2017-06-26, 9.4 years (top 50% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 9.4 years (top 25%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Esquire Financial Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $236 million against no long-term debt tagged leaves 10% of its assets as net cash, top 37% of its family; cash from operations less capital spending is 40.7% of revenue (top 45%) (its annual report).

From the record

Esquire Financial Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 31.7% a year over the last three filed years against 27% over all 10, speeding up (top 21% of its family); the newest year grew 23% (top 11%); capital spending grew 251.1% a year (top 3%) (its annual reports). Esquire Financial Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Esquire Financial Holdings, Inc.'s newest year against its own record: revenue of $139 million in fiscal 2025 came in 9.8% below the $155 million its prior three years' pace pointed to (bottom 34% of its family); net income of $51 million against a prior three-year average of $38 million (top 32%); a net margin of 36.5% against 43.3% before (bottom 18%) (its annual reports).