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Esquire Financial Holdings, Inc. ESQ Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$39.4MBeat by $1.3M
EPS$1.55Miss by $0.01
Revenue estimate$38.1M
EPS estimate$1.56

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$59.1M
EPS estimate$1.81

Financials

Q4 2025

Income statement

See full
Revenue$39.4M+19.2%
Net income$13.5M+14.6%
EPS (diluted)$1.55+14.0%

Balance sheet

See full
Cash & equivalents$235.9M+86.7%
Total debt$2.6M-25.7%
Total equity$289.6M+22.1%
Total assets$2.4B+25.0%

Cash flow

See full
Operating cash flow$16.8M+43.7%
CapEx$340.0K+305%
Free cash flow$16.5M+41.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$874.28M+32.2%
Enterprise value$640.99M+19.0%
P/E17.2×+2.0×
P/S6×+0.7×

Profitability

See full
Net margin34.7%-0.3pp
FCF margin38.7%+5.4pp

Returns & leverage

See full
Return on equity19.3%-0.7pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$42.1MBeat by $539.5KQ1 2026$40.5MBeat by $926.3K
Q4 2025$39.4MBeat by $1.3M
Q3 2025$37.6MBeat by $7.0MQ2 2025$35.8MBeat by $5.5MQ1 2025$33.8MBeat by $3.1M

Diluted EPS

Q2 2026$1.60Beat by $0.04Q1 2026$1.58Beat by $0.06
Q4 2025$1.55Miss by $0.01
Q3 2025$1.47In lineQ2 2025$1.38In lineQ1 2025$1.33Beat by $0.02

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Questions, answered.

When did Esquire Financial Holdings, Inc. report Q4 2025 earnings?
Esquire Financial Holdings, Inc. (ESQ) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Esquire Financial Holdings, Inc.'s Q4 2025 revenue and EPS?
Esquire Financial Holdings, Inc. reported revenue of $39.4M and eps of $1.55 for Q4 2025.
Did Esquire Financial Holdings, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $38.1M by $1.3M. EPS missed the consensus estimate of $1.56 by $0.01.
How did Esquire Financial Holdings, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.6% from $37.0M a year earlier and eps grew 12.3% from $1.38.
Where can I find Esquire Financial Holdings, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-005642) and the 10-K periodic report (0001104659-26-027706) directly on SEC EDGAR. The filing index links above go to sec.gov.