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Esquire Financial Holdings, Inc. ESQ Capital Conservation Buffer

Capital Conservation Buffer at other companies

Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$0.060.0%
Customers Bancorp logo
Customers BancorpCUBI
International Bancshares logo
International BancsharesIBOC

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$1B+32.8%
Enterprise value$783.74M+33.8%
P/E19.4×+2.7×
P/S6.6×+0.7×

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:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

The official record: Esquire Financial Holdings, Inc.’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Esquire Financial Holdings, Inc.'s capital conservation buffer?
Esquire Financial Holdings, Inc. (ESQ) reported capital conservation buffer of 8% in Q4 2025.
How has Esquire Financial Holdings, Inc.'s capital conservation buffer changed year-over-year?
Esquire Financial Holdings, Inc.'s capital conservation buffer decreased by 0.0% year-over-year, from 8% to 8%.
What is the long-term trend for Esquire Financial Holdings, Inc.'s capital conservation buffer?
Over 5 years (2020 to 2025), Esquire Financial Holdings, Inc.'s capital conservation buffer has grown at a -60.2% compound annual growth rate (CAGR), from 800% to 8%.
What does capital conservation buffer mean?
The capital conservation buffer is an additional layer of high-quality capital that banks are required to hold above minimum regulatory requirements. It is designed to absorb losses during periods of economic stress, thereby preventing the bank from breaching its minimum capital ratios. A robust buffer indicates a stronger ability to withstand adverse economic conditions.