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Esquire Financial Holdings, Inc. ESQ Tier 1 Well-Capitalized Requirement

Tier 1 Well-Capitalized Requirement at other companies

Tompkins Financial logo
Tompkins FinancialTMP
$518.54M+6.4%
1st Source Corporation logo
1st Source CorporationSRCE
$633.99M+0.6%
ESQ
Esquire Financial Holdings, Inc.ESQ
$150.16M+26.1%
WSFS Financial logo
WSFS FinancialWSFS
$1.29B-1.5%
Heritage Financial logo
Heritage FinancialHFWA
$446.1M-0.9%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$455.61M+5.3%

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:TierOneRiskBasedCapitalRequiredToBeWellCapitalized.

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 tier 1 well-capitalized requirement?
Esquire Financial Holdings, Inc. (ESQ) reported tier 1 well-capitalized requirement of $150.16M in Q4 2025.
How has Esquire Financial Holdings, Inc.'s tier 1 well-capitalized requirement changed year-over-year?
Esquire Financial Holdings, Inc.'s tier 1 well-capitalized requirement increased by 26.1% year-over-year, from $119.11M to $150.16M.
What is the long-term trend for Esquire Financial Holdings, Inc.'s tier 1 well-capitalized requirement?
Over 5 years (2020 to 2025), Esquire Financial Holdings, Inc.'s tier 1 well-capitalized requirement has grown at a 21.4% compound annual growth rate (CAGR), from $56.97M to $150.16M.
What does tier 1 well-capitalized requirement mean?
This represents the threshold of Tier 1 capital that a bank must maintain to be classified as 'well-capitalized' under regulatory frameworks. Achieving this status is essential for banks to avoid regulatory scrutiny and maintain operational flexibility. It serves as a key benchmark for investors evaluating the bank's financial health and regulatory standing.