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Esquire Financial Holdings, Inc. ESQ Well-Capitalized Regulatory Requirement

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ESQ
Esquire Financial Holdings, Inc.ESQ
$187.71M+26.1%

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:CapitalRequiredToBeWellCapitalized.

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 well-capitalized regulatory requirement?
Esquire Financial Holdings, Inc. (ESQ) reported well-capitalized regulatory requirement of $187.71M in Q4 2025.
How has Esquire Financial Holdings, Inc.'s well-capitalized regulatory requirement changed year-over-year?
Esquire Financial Holdings, Inc.'s well-capitalized regulatory requirement increased by 26.1% year-over-year, from $148.89M to $187.71M.
What is the long-term trend for Esquire Financial Holdings, Inc.'s well-capitalized regulatory requirement?
Over 5 years (2020 to 2025), Esquire Financial Holdings, Inc.'s well-capitalized regulatory requirement has grown at a 21.4% compound annual growth rate (CAGR), from $71.22M to $187.71M.
What does well-capitalized regulatory requirement mean?
This represents the specific capital threshold defined by regulators that classifies a bank as 'well-capitalized.' Maintaining capital above this level is a key indicator of financial health and operational flexibility. Falling below this threshold can trigger regulatory scrutiny and limit the bank's ability to pursue growth initiatives.