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Equiscale · Syntellia LLC
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it provides cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it offers payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $147M | - | $51M | $54M | 17.5% | 17.4% | 16.4% |
| 2024 | $125M | - | $44M | $39M | 18.4% | 10.0% | 6.5% |
| 2023 | $114M | - | $41M | $39M | 20.7% | 34.7% | 43.8% |
| 2022 | $84M | - | $29M | $38M | 18.0% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 84.27 | 113.52 | 124.82 | 146.56 |
| Operating Revenue | - | 84.27 | 113.52 | 124.82 | 146.56 |
| Selling General And Administration | - | 27.79 | 35.10 | 42.30 | 47.05 |
| Interest Income | - | 60.99 | 91.89 | 113.37 | 139.42 |
| Interest Expense | - | 1.65 | 8.12 | 13.44 | 17.94 |
| Net Interest Income | - | 59.35 | 83.77 | 99.93 | 121.48 |
| Pretax Income | - | 38.80 | 55.88 | 59.28 | 65.65 |
| Tax Provision | - | 10.28 | 14.87 | 15.62 | 14.83 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Net Income From Continuing And Discontinued Operation | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Net Income From Continuing Operation Net Minority Interest | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Net Income | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Net Income Common Stockholders | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Net Income Including Noncontrolling Interests | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Normalized Income | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Diluted NI Availto Com Stockholders | - | 28.52 | 41.01 | 43.66 | 50.82 |
| Basic Average Shares | - | 7.64 | 7.72 | 7.82 | 8.06 |
| Diluted Average Shares | - | 8.11 | 8.35 | 8.49 | 8.66 |
| Reconciled Depreciation | - | 2.55 | 2.54 | 3.29 | 3.68 |
| Gain On Sale Of Security | - | 0 | 4.01 | 0 | 0.43 |
| General And Administrative Expense | - | 26.33 | 33.27 | 38.79 | 43.43 |
| Other Gand A | 4 | - | - | - | - |
| Salaries And Wages | - | 25.77 | 32.48 | 37.84 | 42.31 |
| Insurance And Claims | - | 0.56 | 0.79 | 0.94 | 1.12 |
| Selling And Marketing Expense | - | 1.46 | 1.82 | 3.51 | 3.61 |
| Occupancy And Equipment | - | 3.24 | 3.36 | 4.09 | 4.91 |
| Professional Expense And Contract Services Expense | - | 3.38 | 5.45 | 3.82 | 5.50 |
| Other Non Interest Expense | - | 7.57 | 9.21 | 10.62 | 13.78 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Esquire Financial Holdings, Inc.this co. | ESQ | $938M | 18.46↑ premium | 3.24 | 17.5% | - |
| MetroCity Bankshares, Inc. | MCBS | $960M | 14.01 | 1.76 | 12.6% | - |
| Trupanion, Inc. | TRUP | $949M | 48.82 | 2.47 | 5.1% | 17.88 |
| Equity Bancshares, Inc. | EQBK | $946M | 41.62 | 1.29 | 3.1% | - |
| Ategrity Specialty Insurance Company Holdings |
| - |
| - |
| - |
| - |
| - |
| - |
| ASIC |
| $934M |
| 12.62 |
| 1.52 |
| 12.0% |
| - |
| Business First Bancshares, Inc. | BFST | $928M | 10.56 | 1.12 | 10.7% | - |
| Five Star Bancorp | FSBC | $922M | 14.97 | 2.07 | 13.8% | - |
| TrustCo Bank Corp NY | TRST | $920M | 15.05 | 1.34 | 8.9% | - |
| CNB Financial Corporation | CCNE | $918M | 13.89 | 1.13 | 8.1% | - |
| Peer Median | - | 14.49 | 1.43 | 9.8% | 17.88 | |
Historically, Jul has averaged the highest return (+9.9%); Feb the lowest (-4.1%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.5%Positive MonthJan 2026: +4.47% | -5.3%Negative MonthFeb 2026: -5.30% | +6.5%Positive MonthMar 2026: +6.46% | -2.2%Negative MonthApr 2026: -2.21% | +4.5%Positive MonthMay 2026: +4.54% | +8.4%Positive MonthJun 2026: +8.39% | +8.5%Positive MonthJul 2026: +8.49% | -9.8%*Negative MonthAug 2026: -9.79% | — | — | — | — |
| 2025 | +12.4%Positive MonthJan 2025: +12.42% | -13.7%Negative MonthFeb 2025: -13.71% | -2.3%Negative MonthMar 2025: -2.26% | +10.0%Positive MonthApr 2025: +10.00% | +9.4%Positive MonthMay 2025: +9.43% | +4.3%Positive MonthJun 2025: +4.32% | +1.3%Neutral MonthJul 2025: +1.29% | +2.3%Positive MonthAug 2025: +2.32% | +4.0%Positive MonthSep 2025: +4.03% | -8.1%Negative MonthOct 2025: -8.09% | +8.8%Positive MonthNov 2025: +8.81% | +0.0%Neutral MonthDec 2025: +0.01% |
| 2024 | -0.2%Neutral MonthJan 2024: -0.20% | +1.8%Neutral MonthFeb 2024: +1.85% | -6.5%Negative MonthMar 2024: -6.52% | -0.9%Neutral MonthApr 2024: -0.86% | -2.7%Negative MonthMay 2024: -2.74% | +4.0%Positive MonthJun 2024: +4.00% | +29.6%Positive MonthJul 2024: +29.56% | -0.2%Neutral MonthAug 2024: -0.23% | +6.0%Positive MonthSep 2024: +5.98% | +2.1%Positive MonthOct 2024: +2.10% | +16.7%Positive MonthNov 2024: +16.69% | +2.3%Positive MonthDec 2024: +2.33% |
| 2023 | +7.6%Positive MonthJan 2023: +7.58% | -1.2%Neutral MonthFeb 2023: -1.18% | -15.0%Negative MonthMar 2023: -14.98% | -1.1%Neutral MonthApr 2023: -1.13% | +9.5%Positive MonthMay 2023: +9.49% | +8.1%Positive MonthJun 2023: +8.06% | +9.2%Positive MonthJul 2023: +9.19% | -6.4%Negative MonthAug 2023: -6.38% | -2.3%Negative MonthSep 2023: -2.29% | +0.2%Neutral MonthOct 2023: +0.24% | +1.7%Neutral MonthNov 2023: +1.68% | +7.3%Positive MonthDec 2023: +7.28% |
| 2022 | +9.4%Positive MonthJan 2022: +9.43% | -2.1%Negative MonthFeb 2022: -2.09% | -0.4%Neutral MonthMar 2022: -0.41% | +7.1%Positive MonthApr 2022: +7.11% | +6.1%Positive MonthMay 2022: +6.06% | -12.8%Negative MonthJun 2022: -12.78% | +8.8%Positive MonthJul 2022: +8.77% | +3.2%Positive MonthAug 2022: +3.20% | +0.5%Neutral MonthSep 2022: +0.45% | +20.3%Positive MonthOct 2022: +20.32% | -0.8%Neutral MonthNov 2022: -0.75% | -3.5%Negative MonthDec 2022: -3.52% |
| 2021 | — | — | — | — | +7.3%Positive MonthMay 2021: +7.32% | -3.8%Negative MonthJun 2021: -3.78% | +1.8%Neutral MonthJul 2021: +1.81% | +7.7%Positive MonthAug 2021: +7.75% | +10.2%Positive MonthSep 2021: +10.23% | +11.6%Positive MonthOct 2021: +11.58% | +3.2%Positive MonthNov 2021: +3.22% | -4.6%Negative MonthDec 2021: -4.57% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
