Esquire Financial Holdings, Inc. Bottom Line Advances In Q2
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 24 2025
0mins
Should l Buy ESQ?
Source: NASDAQ.COM
Financial Performance: Esquire Financial Holdings, Inc. reported a profit of $11.89 million for the second quarter, an increase from $10.49 million in the same period last year.
Earnings Per Share: The earnings per share rose to $1.38 compared to $1.25 from the previous year.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy ESQ?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on ESQ
Wall Street analysts forecast ESQ stock price to rise
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 106.460
Low
115.00
Averages
115.50
High
116.00
Current: 106.460
Low
115.00
Averages
115.50
High
116.00
About ESQ
Esquire Financial Holdings, Inc. is a financial holding company, which operates through its subsidiary, Esquire Bank, National Association (the Bank). The Bank is a full-service commercial bank dedicated to serving the financial needs of the legal and small business communities on a national basis, as well as commercial and retail customers in the New York metropolitan market. It offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners, both on a national basis. The Bank also offers traditional banking products for businesses and consumers in its local market area. Its products offered to businesses and consumers include checking, savings, money market, and time deposits, a wide range of commercial and consumer loans, as well as customary banking services. The Bank operates a payment processing platform through third-party Independent Sales Organizations (ISOs).
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Esquire Financial Holdings Increases Quarterly Dividend by 14%
- Dividend Increase: Esquire Financial Holdings announced a 14% increase in its quarterly dividend to $0.20 per share, payable on March 2, 2026, reflecting the company's strong financial position and confidence in its long-term outlook.
- Consistent Growth: This adjustment marks the fifth consecutive dividend increase since initiating dividends in 2022, demonstrating the company's commitment to delivering stable returns to shareholders and enhancing investor confidence.
- Market Positioning: Esquire Bank focuses on providing tailored financial solutions to the litigation industry and small businesses, covering the New York metropolitan area and national markets, further solidifying its competitive advantage in niche markets.
- Management Confidence: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's robust balance sheet, indicating management's confidence in future growth, which may attract more investor interest.
See More
Esquire Financial Increases Quarterly Dividend by 14%
- Dividend Increase: Esquire Financial Holdings announced a 14% increase in its quarterly dividend to $0.20 per share, payable on March 2, 2026, reflecting the company's strong financial position and confidence in its long-term outlook.
- Consistent Growth: This dividend adjustment marks the fifth consecutive increase since initiating dividends in 2022, demonstrating the company's commitment to providing stable returns to shareholders and enhancing investor confidence.
- Market Positioning: Esquire Bank focuses on providing tailored financial and payment processing solutions to the litigation industry and small businesses, further solidifying its market position in the New York metropolitan area to meet diverse client needs.
- Strategic Vision: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's confidence in future growth, aiming to attract more investors through sustained financial health and shareholder value creation.
See More
Esquire Financial Reports $50.8M Net Income for 2025 with Significant Loan Growth
- Net Income Growth: Esquire Financial's net income for 2025 reached $50.8 million, with diluted earnings per share at $5.87, significantly up from $43.7 million and $5.14 in 2024, reflecting the company's strong performance and profitability in complex markets.
- Significant Loan and Deposit Growth: As of December 31, 2025, total loans increased to $1.76 billion, a 25.9% rise, with litigation-related loans growing by 41.0%, while total deposits also rose by 25.6% to $2.06 billion, indicating strong demand and client trust in the company.
- Interest Income Enhancement: Net interest income for 2025 increased by $21.6 million to $121.5 million, primarily driven by growth in average interest-earning assets and improved loan yields, demonstrating the company's ongoing optimization in interest income and market competitiveness.
- Cost Control and Efficiency Improvement: Although non-interest expenses rose to $71.2 million, a 17.1% increase, the company's efficiency ratio remained at 48.6%, indicating effective cost management while expanding operations and enhancing overall operational efficiency.
See More
Esquire Financial Reports 16.4% Net Income Growth to $50.8 Million in 2025
- Net Income Growth: Esquire Financial's net income increased by 16.4% to $50.8 million in 2025, despite a $5 million rise in credit loss provisions, demonstrating the company's resilience and profitability in a complex economic environment.
- Significant Loan and Deposit Growth: In 2025, commercial litigation-related loans grew by $342.5 million, driving total loans up by 25.9% to $1.76 billion, while core deposits increased by $428.7 million, reflecting strong market demand and customer trust in the company.
- Interest Income Enhancement: Net interest income rose by 21.6% to $121.5 million in 2025, primarily due to a 22.4% increase in average interest-earning assets, showcasing the company's adaptability and profitability strategies amid changing interest rate environments.
- Operational Efficiency: Despite a 21.5% increase in non-interest expenses to $19.1 million, Esquire Financial maintained an efficiency ratio of 48.4%, indicating a successful balance between ongoing investments and cost control.
See More
Esquire Financial Holdings Named to Piper Sandler's 2025 Sm-All Stars List
- Industry Recognition: Esquire Financial Holdings has been named to Piper Sandler's 2025 Sm-All Stars list, being one of only 24 institutions out of 316 publicly traded banks to achieve this elite status, highlighting its exceptional performance in growth, profitability, and asset quality.
- Outstanding Performance: The company outperformed industry medians on key financial metrics, demonstrating strong capabilities in earnings, loan and deposit growth, return on equity, and asset quality, which further solidifies its leading position among small-cap banks.
- Ongoing Honors: This marks Esquire's third consecutive year on the Sm-All Stars list, indicating its consistent top-tier performance in the small bank sector, reflecting a robust business model and effective risk management.
- Market Positioning: With a market capitalization between $50 million and $2.5 billion, Esquire represents the top 10% of publicly held financial institutions in the U.S., showcasing its competitive edge and market influence in the small banking sector.
See More
Everything You Should Know About Esquire Financial's (ESQ) Upgrade to Buy Rating
Zacks Rank Upgrade: Esquire Financial Holdings, Inc. (ESQ) has been upgraded to a Zacks Rank #2 (Buy), indicating a positive outlook on its earnings estimates, which are crucial for stock price movements.
Earnings Estimate Revisions: The Zacks Consensus Estimate for Esquire Financial has increased by 4.8% over the past three months, reflecting a favorable change in the company's earnings potential.
Correlation with Stock Movements: There is a strong correlation between earnings estimate revisions and near-term stock price movements, suggesting that tracking these revisions can be beneficial for investment decisions.
Zacks Rating System: The Zacks rating system maintains a balanced approach to stock ratings, with only the top 20% of stocks receiving a "Buy" or "Strong Buy" rating, positioning Esquire Financial as a solid candidate for potential market-beating returns.
See More
Esquire Financial Holdings Increases Quarterly Dividend by 14%
- Dividend Increase: Esquire Financial Holdings announced a 14% increase in its quarterly dividend to $0.20 per share, payable on March 2, 2026, reflecting the company's strong financial position and confidence in its long-term outlook.
- Consistent Growth: This adjustment marks the fifth consecutive dividend increase since initiating dividends in 2022, demonstrating the company's commitment to delivering stable returns to shareholders and enhancing investor confidence.
- Market Positioning: Esquire Bank focuses on providing tailored financial solutions to the litigation industry and small businesses, covering the New York metropolitan area and national markets, further solidifying its competitive advantage in niche markets.
- Management Confidence: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's robust balance sheet, indicating management's confidence in future growth, which may attract more investor interest.
See More
Esquire Financial Increases Quarterly Dividend by 14%
- Dividend Increase: Esquire Financial Holdings announced a 14% increase in its quarterly dividend to $0.20 per share, payable on March 2, 2026, reflecting the company's strong financial position and confidence in its long-term outlook.
- Consistent Growth: This dividend adjustment marks the fifth consecutive increase since initiating dividends in 2022, demonstrating the company's commitment to providing stable returns to shareholders and enhancing investor confidence.
- Market Positioning: Esquire Bank focuses on providing tailored financial and payment processing solutions to the litigation industry and small businesses, further solidifying its market position in the New York metropolitan area to meet diverse client needs.
- Strategic Vision: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's confidence in future growth, aiming to attract more investors through sustained financial health and shareholder value creation.
See More
Esquire Financial Reports $50.8M Net Income for 2025 with Significant Loan Growth
- Net Income Growth: Esquire Financial's net income for 2025 reached $50.8 million, with diluted earnings per share at $5.87, significantly up from $43.7 million and $5.14 in 2024, reflecting the company's strong performance and profitability in complex markets.
- Significant Loan and Deposit Growth: As of December 31, 2025, total loans increased to $1.76 billion, a 25.9% rise, with litigation-related loans growing by 41.0%, while total deposits also rose by 25.6% to $2.06 billion, indicating strong demand and client trust in the company.
- Interest Income Enhancement: Net interest income for 2025 increased by $21.6 million to $121.5 million, primarily driven by growth in average interest-earning assets and improved loan yields, demonstrating the company's ongoing optimization in interest income and market competitiveness.
- Cost Control and Efficiency Improvement: Although non-interest expenses rose to $71.2 million, a 17.1% increase, the company's efficiency ratio remained at 48.6%, indicating effective cost management while expanding operations and enhancing overall operational efficiency.
See More
Esquire Financial Reports 16.4% Net Income Growth to $50.8 Million in 2025
- Net Income Growth: Esquire Financial's net income increased by 16.4% to $50.8 million in 2025, despite a $5 million rise in credit loss provisions, demonstrating the company's resilience and profitability in a complex economic environment.
- Significant Loan and Deposit Growth: In 2025, commercial litigation-related loans grew by $342.5 million, driving total loans up by 25.9% to $1.76 billion, while core deposits increased by $428.7 million, reflecting strong market demand and customer trust in the company.
- Interest Income Enhancement: Net interest income rose by 21.6% to $121.5 million in 2025, primarily due to a 22.4% increase in average interest-earning assets, showcasing the company's adaptability and profitability strategies amid changing interest rate environments.
- Operational Efficiency: Despite a 21.5% increase in non-interest expenses to $19.1 million, Esquire Financial maintained an efficiency ratio of 48.4%, indicating a successful balance between ongoing investments and cost control.
See More
Esquire Financial Holdings Named to Piper Sandler's 2025 Sm-All Stars List
- Industry Recognition: Esquire Financial Holdings has been named to Piper Sandler's 2025 Sm-All Stars list, being one of only 24 institutions out of 316 publicly traded banks to achieve this elite status, highlighting its exceptional performance in growth, profitability, and asset quality.
- Outstanding Performance: The company outperformed industry medians on key financial metrics, demonstrating strong capabilities in earnings, loan and deposit growth, return on equity, and asset quality, which further solidifies its leading position among small-cap banks.
- Ongoing Honors: This marks Esquire's third consecutive year on the Sm-All Stars list, indicating its consistent top-tier performance in the small bank sector, reflecting a robust business model and effective risk management.
- Market Positioning: With a market capitalization between $50 million and $2.5 billion, Esquire represents the top 10% of publicly held financial institutions in the U.S., showcasing its competitive edge and market influence in the small banking sector.
See More
Everything You Should Know About Esquire Financial's (ESQ) Upgrade to Buy Rating
Zacks Rank Upgrade: Esquire Financial Holdings, Inc. (ESQ) has been upgraded to a Zacks Rank #2 (Buy), indicating a positive outlook on its earnings estimates, which are crucial for stock price movements.
Earnings Estimate Revisions: The Zacks Consensus Estimate for Esquire Financial has increased by 4.8% over the past three months, reflecting a favorable change in the company's earnings potential.
Correlation with Stock Movements: There is a strong correlation between earnings estimate revisions and near-term stock price movements, suggesting that tracking these revisions can be beneficial for investment decisions.
Zacks Rating System: The Zacks rating system maintains a balanced approach to stock ratings, with only the top 20% of stocks receiving a "Buy" or "Strong Buy" rating, positioning Esquire Financial as a solid candidate for potential market-beating returns.
See More
