Question 1

What is Esquire Financial Holdings, Inc.'s pre-tax income?

Accepted Answer

Esquire Financial Holdings, Inc. (ESQ) reported pre-tax income of $18.13M in Q2 2026.

Question 2

How has Esquire Financial Holdings, Inc.'s pre-tax income changed year-over-year?

Accepted Answer

Esquire Financial Holdings, Inc.'s pre-tax income increased by 18.9% year-over-year, from $15.24M to $18.13M.

Question 3

What is the long-term trend for Esquire Financial Holdings, Inc.'s pre-tax income?

Accepted Answer

Over 4 years (2021 to 2025), Esquire Financial Holdings, Inc.'s pre-tax income has grown at a 30.4% compound annual growth rate (CAGR), from $22.71M to $65.65M.

Question 4

What does pre-tax income mean?

Accepted Answer

Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

Line item	Three Months Ended June 30, 2026	Three Months Ended June 30, 2025	Six Months Ended June 30, 2026	Six Months Ended June 30, 2025
Merger expenses	1,070	—	2,342	—
Other operating expenses	1,043	920	2,002	1,860
Total noninterest expense	21,105	17,062	41,762	33,810
Net income before income taxes	18,126	15,244	35,228	30,756
Income tax expense	5,148	3,354	10,039	7,459
Net income	$12,978	$11,890	$25,189	$23,297
Earnings per share
Basic	$1.57	$1.48	$3.05	$2.91

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Esquire Financial Holdings, Inc. ESQ Pre-Tax Income