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Esquire Financial Holdings, Inc. ESQ Line of Credit Maximum Borrowing Capacity

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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$1.12B+39.4%
Enterprise value$876.02M+36.7%
P/E21.2×+3.9×
P/S+1.0×

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 us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity.

The source filing: Esquire Financial Holdings, Inc.’s 10-K, filed March 13, 2026.

Filed
Mar 13, 2026, 4:31 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-027706

At December 31, 2025 and 2024, we had the ability to borrow a total of $455,461 and $431,700, respectively, from the FHLB. We also had a borrowing capacity with the FRB discount window of $48,096 and $51,363 at December 31, 2025 and 2024, respectively. These borrowings are collateralized by loans and securities. At December 31, 2025 and 2024, we also had lines of credit with other financial institutions totaling $29,000 and $17,500, respectively. No amounts were outstanding on any of the aforementioned lines as of December 31, 2025 and 2024.

ITEM 8. Financial Statements and Supplementary Data

FAQ

What is Esquire Financial Holdings, Inc.'s line of credit maximum borrowing capacity?
Esquire Financial Holdings, Inc. (ESQ) reported line of credit maximum borrowing capacity of $29M in Q4 2025.
How has Esquire Financial Holdings, Inc.'s line of credit maximum borrowing capacity changed year-over-year?
Esquire Financial Holdings, Inc.'s line of credit maximum borrowing capacity increased by 65.7% year-over-year, from $17.5M to $29M.
What is the long-term trend for Esquire Financial Holdings, Inc.'s line of credit maximum borrowing capacity?
Over 5 years (2020 to 2025), Esquire Financial Holdings, Inc.'s line of credit maximum borrowing capacity has grown at a -15.5% compound annual growth rate (CAGR), from $67.5M to $29M.
What does line of credit maximum borrowing capacity mean?
This metric defines the total authorized borrowing limit available to the company under its established credit facilities. It serves as a primary indicator of the company's financial flexibility and access to external capital. Maintaining sufficient capacity is essential for supporting operational needs and strategic growth initiatives.

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