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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

Date not yet announced

Financials

Q4 2025

Income statement

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

Balance sheet

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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

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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
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Market cap$874.28M+32.2%
Enterprise value$640.99M+19.0%
P/E17.2×+2.0×
P/S6×+0.7×

Profitability

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

Returns & leverage

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

FAQ

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.