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Esquire Financial Holdings, Inc. ESQ Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$37.6MBeat by $7.0M
EPS$1.47In line
Revenue estimate$30.6M
EPS estimate$1.47

Next report

Date not yet announced

Financials

Q3 2025

Income statement

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Revenue$37.6M+17.7%
Net income$14.1M+23.7%
EPS (diluted)$1.62+20.9%

Balance sheet

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Cash & equivalents$240.8M+63.0%
Total debt$2.5M+56.3%
Total equity$279.2M+20.1%
Total assets$2.2B+22.5%

Cash flow

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Operating cash flow$16.8M+59.0%
CapEx$505.0K+853%
Free cash flow$16.2M+55.0%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$871.4M+60.7%
Enterprise value$633.14M+59.8%
P/E17.7×+4.8×
P/S6.2×+1.7×

Profitability

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Net margin35%+0.4pp
FCF margin37%-1.3pp

Returns & leverage

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Return on equity19.2%-0.8pp
Debt / equity0×0.0×

FAQ

When did Esquire Financial Holdings, Inc. report Q3 2025 earnings?
Esquire Financial Holdings, Inc. (ESQ) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Esquire Financial Holdings, Inc.'s Q3 2025 revenue and EPS?
Esquire Financial Holdings, Inc. reported revenue of $37.6M and eps of $1.47 for Q3 2025.
Did Esquire Financial Holdings, Inc. beat estimates in Q3 2025?
Revenue beat the consensus estimate of $30.6M by $7.0M. EPS beat the consensus estimate of $1.47 by $0.00.
How did Esquire Financial Holdings, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.7% from $31.9M a year earlier and eps grew 9.7% from $1.34.
Where can I find Esquire Financial Holdings, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-101697) and the 10-Q periodic report (0001104659-25-108508) directly on SEC EDGAR. The filing index links above go to sec.gov.