Esquire Financial Holdings Inc

Esquire Financial Holdings Inc

ESQ · NASDAQ · Financial Services / Banks - Regional

131.81USD+0.12 (+0.09%)

Price History

Full chart

Market Stats

Previous Close131.69
Open131.54
Day Range130.56 – 132.22
52-Week Range91.45 – 134.45
Volume96.19K
Market Cap1.49B
P/E (TTM)20.33
Forward P/E0.00
EPS6.06
Dividend Yield0.65%
Beta0.35
50-Day Avg122.16
200-Day Avg112.47

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Andrew C. Sagliocca
  • Employees151
  • Headquarters100 Jericho Quadrangle, Jericho, NY, United States, 11753, USA
  • Websitehttps://www.esquirebank.com

Leadership

  • Mr. Andrew C. SaglioccaVice Chairman, CEO & President · b. 1968
  • Mr. Ari P. Kornhaber Esq.Founder, Executive VP & Head of Corporate Development · b. 1972
  • Mr. Michael LacapriaSenior VP & CFO · b. 1978
  • Mr. Eric S. BaderExecutive VP & COO · b. 1977
  • Mr. Martin S. KornExecutive VP, CTO & COO · b. 1964
  • Ann Marie TarantinoSenior VP, Chief Compliance Officer & Risk Officer
  • Mr. Gary A. Lax Esq.Senior VP, Chief Legal Officer & Corporate Secretary
  • Mr. Fred HornSenior VP & Director of Merchant Services
  • Mr. Frank LonardoExecutive VP & Chief Credit Officer
  • Kyall MaiSenior VP & Chief Innovation Officer

Financials

Income Statement

Currency: USD2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.71M15.39M20.29M25.91M36.81M48.47M53.28M65.56M85.92M109.00M138.27M164.50M
Growth (%)-+31.43%+31.82%+27.68%+42.05%+31.69%+9.92%+23.05%+31.06%+26.86%+26.85%+18.97%
Cost of Revenue01.39M1.11M1.44M2.59M4.40M7.44M7.78M5.14M3.06M18.14M24.71M
Gross Profit11.71M14.01M19.19M24.47M34.22M44.07M45.84M57.77M80.78M29.75M120.12M139.79M
Gross Margin100.00%90.99%94.55%94.43%92.97%90.93%86.04%88.13%94.02%27.29%86.88%84.98%
Operating Expense10.96M12.17M14.60M17.43M22.30M24.93M28.67M35.06M41.98M-26.13M60.84M71.27M
Operating Income757.37K1.84M4.59M7.03M11.92M19.14M17.17M22.71M38.80M55.88M59.28M68.52M
Operating Margin6.47%11.93%22.61%27.15%32.40%39.48%32.22%34.64%45.16%51.27%42.87%41.65%
EBITDA777.88K2.07M4.75M7.45M12.72M20.43M18.79M24.94M41.35M-55.88M62.57M71.28M
EBITDA Margin6.64%13.47%23.43%28.73%34.56%42.15%35.27%38.05%48.13%-51.27%45.25%43.33%
Net Income40.80K1.17M2.82M3.64M8.73M14.14M12.62M17.93M28.52M41.01M43.66M50.85M
Net Income Margin0.35%7.61%13.91%14.06%23.73%29.18%23.68%27.34%33.19%37.63%31.57%30.91%
R&D---00-------
R&D as % of Total Revenue---0.00%0.00%-------
Interest Expense0457.00K511.00K538.00K1.21M2.55M1.19M828.00K1.65M8.12M13.44M17.94M
Interest Expense % of Total Revenue0.00%2.97%2.52%2.08%3.29%5.26%2.23%1.26%1.92%7.45%9.72%10.90%

Balance Sheet

Currency: USD2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets330.69M352.65M424.83M533.63M663.90M798.01M936.71M1.18B1.40B1.62B1.89B2.37B
Total Liabilities292.15M303.23M372.65M450.25M571.13M86.00K49.00K1.04B1.24B1.42B1.66B2.08B
Total Equity38.54M49.42M52.19M83.38M92.77M797.92M936.66M143.74M158.16M198.56M237.09M289.60M
Cash71.89M33.15M42.99M43.08M30.56M61.81M65.19M149.16M164.12M165.21M126.33M235.89M
Total Debt390.53K381.00K371.00K278.00K89.00K667.00K694.00K2.99M2.81M2.18M-2.64M
Net Debt-71.50M-32.77M-42.62M-42.80M-30.47M-61.72M-65.14M-149.16M-164.12M-165.21M-126.33M-233.25M

Cash Flow

Currency: USD2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow442.49K1.57M6.32M3.98M10.11M16.31M15.59M30.08M38.80M42.40M42.21M59.84M
Investing Cash Flow-35.84M-60.97M-65.57M-108.79M-142.74M-97.31M-135.44M-170.49M-221.50M-215.40M-308.27M-362.09M
Financing Cash Flow91.70M20.66M69.09M104.90M120.12M112.25M123.23M224.38M197.67M174.09M227.17M411.81M
Capital Expenditure209.18K85.00K2.67M190.00K1.25M2.06M3.14M2.94M1.24M3.00M3.15M3.16M
Free Cash Flow233.32K1.48M3.65M3.79M8.86M14.25M12.45M27.14M37.56M39.40M39.06M56.68M
Dividends Paid---0-2.15M401.00K2.15M2.15M3.72M4.85M5.86M
FCF to OCF52.73%94.58%57.81%95.22%87.61%87.36%79.88%90.21%96.81%92.92%92.54%94.72%
Dividend Paid to FCF---0.00%-15.08%3.22%7.92%5.72%9.44%12.41%10.34%

Earnings

Report DateJun 27, 2017Jul 25, 2017Oct 25, 2017Jan 25, 2018Apr 25, 2018Jul 25, 2018Oct 25, 2018Jan 25, 2019Apr 25, 2019Jul 25, 2019Oct 25, 2019Jan 24, 2020Apr 24, 2020Jul 24, 2020Oct 23, 2020Jan 25, 2021Apr 26, 2021Jul 26, 2021Oct 25, 2021Jan 25, 2022Apr 25, 2022Jul 25, 2022Oct 25, 2022Jan 25, 2023Apr 25, 2023Jul 25, 2023Oct 23, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate--0.160.180.250.290.330.370.370.410.470.520.480.440.480.510.500.560.620.650.650.710.860.990.941.051.131.171.171.191.311.381.311.381.471.531.521.551.81
EPS Actual0.160.180.160.180.260.290.330.370.390.450.490.500.330.330.480.510.530.570.630.690.660.780.941.101.111.101.171.181.201.251.341.371.331.381.471.551.401.60-
Surprise--0.00%0.00%4.00%0.00%0.00%0.00%5.41%9.76%4.26%-3.85%-31.25%-25.00%0.00%0.00%6.00%1.79%1.61%6.15%1.54%9.86%9.30%11.11%18.09%4.76%3.54%0.85%2.56%5.04%2.29%-0.72%1.53%0.00%0.00%1.31%-7.89%3.23%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap1.49B
Enterprise Value1.21B
Trailing P/E20.33
Forward P/E0.00
PEG Ratio0.00
Price / Sales9.99
Price / Book4.68
EPS6.06
Book Value37.89
Revenue (TTM)149.31M
Gross Profit (TTM)149.31M
Profit Margin35.31%
Operating Margin49.76%
Return on Equity18.26%
Return on Assets2.31%
Shares Outstanding12.10M
Shares Float10.39M
Beta0.35
Dividend Yield0.65%
Dividend Rate0.80
Payout Ratio12.87%

Analyst Ratings

Hold
Based on 3 analystsTarget 130.00
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
53.48%
Insiders
12.67%
Retail / Other
33.85%

Top Institutional Holders

  • Mawer Investment Management Ltd
    583.87K4.82%
  • BlackRock Inc
    550.35K4.55%
  • Basswood Capital Management LLC
    369.42K3.05%
  • Ampfield Management, L.P.
    313.47K2.59%
  • Vanguard Capital Management, LLC
    311.82K2.58%
  • Copeland Capital Management, LLC
    296.54K2.45%
  • Wasatch Advisors LP
    292.24K2.41%
  • State Street Corp
    266.27K2.20%
  • American Century Companies Inc
    245.69K2.03%
  • Geode Capital Management, LLC
    224.80K1.86%
  • Dimensional Fund Advisors, Inc.
    204.70K1.69%
  • Langdon Equity Partners
    189.00K1.56%
  • Royce & Associates, LP
    162.35K1.34%
  • GW&K Investment Management, LLC
    145.42K1.20%
  • Morgan Stanley - Brokerage Accounts
    132.70K1.10%

Top Fund Holders

  • Mawer Global Small Cap F
    368.80K3.05%
  • Vanguard MStar Total Stk Mkt Idx Invest
    232.14K1.92%
  • Wasatch Micro Cap
    217.16K1.79%
  • iShares Russell 2000 ETF
    187.94K1.55%
  • State Street® SPDR® S&PRgnllBkgETF
    142.65K1.18%

Dividends

20264×
0.20Nov 13, 20260.20Aug 14, 20260.20May 15, 20260.20Feb 13, 2026
20254×
0.17Nov 14, 20250.17Aug 15, 20250.17May 15, 20250.17Feb 14, 2025
20244×
0.15Nov 15, 20240.15Aug 15, 20240.15May 14, 20240.15Feb 14, 2024
20234×
0.13Nov 14, 20230.13Aug 14, 20230.13May 12, 20230.10Feb 14, 2023
20223×
0.10Nov 14, 20220.09Aug 12, 20220.09May 13, 2022