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Esquire Financial Holdings, Inc. ESQ Loans Receivable Allowance For Loan Losses

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Other financials

Income statement

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Revenue$42.1M+17.6%
Net income$13.0M+9.2%
EPS (diluted)$1.49+8.0%

Balance sheet

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Cash & equivalents$242.2M+48.6%
Total debt$2.2M-30.0%
Total equity$313.9M+19.1%
Total assets$2.5B+21.9%

Cash flow

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Operating cash flow$14.5M+38.4%
CapEx$162.0K-86.1%
Free cash flow$14.4M+54.0%

Valuation

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Market cap$1.14B+42.0%
Enterprise value$895.83M+39.9%
P/E21.6×+4.3×
P/S7.1×+1.2×

Profitability

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Net margin33%-1.5pp
FCF margin41.6%+7.4pp

Returns & leverage

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Return on equity18.3%-1.0pp
Debt / equity0.0×

Where this comes from

Reported directly by Esquire Financial Holdings, Inc. in its filing.

Tagged under the XBRL concept esq:LoansReceivableAllowanceForLoanLosses.

The source filing: Esquire Financial Holdings, Inc.’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 2:54 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093295
Line itemJune 30, 2026December 31, 2025
1 – 4 family8,9599,835
Total real estate537,941489,928
Commercial1,337,1081,245,555
Consumer26,75622,762
Total loans held for investment1,901,8051,758,245
Deferred fees and unearned premiums, net466182
Allowance for credit losses(24,724)(24,022)
Loans held for investment, net$1,877,547$1,734,405

Item 1. Financial Statements (unaudited)

FAQ

What is Esquire Financial Holdings, Inc.'s loans receivable allowance for loan losses?
Esquire Financial Holdings, Inc. (ESQ) reported loans receivable allowance for loan losses of $24.72M in Q2 2026.
How has Esquire Financial Holdings, Inc.'s loans receivable allowance for loan losses changed year-over-year?
Esquire Financial Holdings, Inc.'s loans receivable allowance for loan losses increased by 27.4% year-over-year, from $19.41M to $24.72M.
What is the long-term trend for Esquire Financial Holdings, Inc.'s loans receivable allowance for loan losses?
Over 5 years (2020 to 2025), Esquire Financial Holdings, Inc.'s loans receivable allowance for loan losses has grown at a 16.1% compound annual growth rate (CAGR), from $11.4M to $24.02M.
What does loans receivable allowance for loan losses mean?
Loans Receivable Allowance For Loan Losses as reported by Esquire Financial Holdings, Inc. Common Stock.

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