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Esquire Financial Holdings, Inc. ESQ Allowance for credit losses

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Other financials

Income statement

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Revenue$40.5M+19.8%
Net income$12.2M+7.0%
EPS (diluted)$1.40+5.3%

Balance sheet

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Cash & equivalents$222.2M+28.4%
Total debt$2.4M-27.0%
Total equity$301.3M+20.2%
Total assets$2.4B+23.9%

Cash flow

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Operating cash flow$19.5M+23.4%
CapEx$180.0K-84.4%
Free cash flow$19.3M+31.9%

Valuation

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Market cap$991.03M+31.2%
Enterprise value$771.22M+31.6%
P/E19.2×+2.4×
P/S6.5×+0.6×

Profitability

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Net margin33.7%-1.1pp
FCF margin40%+6.3pp

Returns & leverage

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Return on equity18.7%-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:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestNoncurrent.

The official record: Esquire Financial Holdings, Inc.’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Esquire Financial Holdings, Inc.'s allowance for credit losses?
Esquire Financial Holdings, Inc. (ESQ) reported allowance for credit losses of $23.54M in Q1 2026.
How has Esquire Financial Holdings, Inc.'s allowance for credit losses changed year-over-year?
Esquire Financial Holdings, Inc.'s allowance for credit losses increased by 21.0% year-over-year, from $19.46M to $23.54M.
What is the long-term trend for Esquire Financial Holdings, Inc.'s allowance for credit losses?
Over 2 years (2023 to 2025), Esquire Financial Holdings, Inc.'s allowance for credit losses has grown at a 20.2% compound annual growth rate (CAGR), from $16.63M to $24.02M.
What does allowance for credit losses mean?
Represents the valuation allowance established to absorb estimated credit losses inherent in the financing receivable portfolio. This reserve is adjusted periodically based on management's assessment of credit quality and economic conditions. It serves as a critical indicator of the bank's credit risk management and the anticipated collectability of its lending assets.