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EF

Esquire Financial Holdings, Inc. (ESQ)

NASDAQ • Financial Services

$123.19
+$4.46 (+3.8%)
Market closed

Last close at October 22, 2026 at 20:00 UTC

Open$119.11
Day Range$118.8 - $123.2
Avg. Volume (3M)127K
Market Cap$1.4B
P/E Ratio19.4
52 Week Range
$92.1$134.82

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$47.6M100%
Gross Profitminus cost of goods$39.2M82%
Operating Incomeminus R&D and overhead$18.1M38%
Net Incomeminus taxes and the rest$12.9M27%

In plain terms: out of every $100 in revenue, Esquire Financial Holdings, Inc. keeps $27 as net profit.

Fundamentals & Financials

Revenue (TTM)
$179.8M
Net Income (TTM)
$52.7M
EPS (TTM)
$6.34
ROA (TTM)
2.1%
Current Ratio
0.25
Dividend Yield
0.17%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

-0.6%Q1 2026$1.55
+3.9%Q2 2026$1.58
+2.6%Q3 2026$1.6

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Beat +2.6%

Esquire Financial Holdings’ earnings topped expectations in the second fiscal quarter of 2026, with adjusted EPS of $1.60 topping the $1.56 estimate (+2.6%) when results were reported July 23, 2026. Revenue came in at roughly $47.7 million, supported by net interest income of about $35.7 million across its regional banking, deposit and lending, and merchant services activities. Profitability included operating income of around $18.1 million, while net income rose 9.2% year over year to about $13.0 million (up from roughly $11.9 million a year ago), alongside adjusted EPS up 15.9% from $1.38. On capital returns, the company repurchased about $0.2 million of stock and paid roughly $1.7 million in dividends during the quarter. For the next period, consensus calls for EPS of $1.81.

Next report — what to expect

Esquire Financial Holdings, Inc. (ESQ) reports next on October 22, 2026. Wall Street is looking for consensus EPS of $1.81 on consensus revenue of $59.1 million. For trailing context, revenue grew +18.9% year over year last quarter. ESQ has beaten EPS in 5 of 8 most recent quarters.

View full earnings history

About Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc. is a U.S. banking company listed on the NASDAQ Capital Market under the ticker ESQ. Operating in regional banking through its role as the parent of Esquire Bank, National Association, it offers deposit, lending, and payment services, and generated $164.5 million of revenue in FY2025.

Name
Esquire Financial Holdings, Inc.
CEO
Andrew C. Sagliocca
Website
www.esquirebank.com
Industry
Financial Services
Year Founded
2006
Employees
151

Today's Snapshot

AI-generated

ESQ closed 3.8% higher at 123.19, in line with a firmer sector. ESQ is due to report earnings on 27 October.

Trading Volume

Below 10d avg (113.6K)

97.2K

vs S&P 500 Today

Strong Outperformance

+5.03%

Updated: October 22, 2026 at 20:12 UTC

Technical Indicators

6 Buy2 Neutral0 Sell
ESQ's technicals skew bullish as the price trades above short, medium and 200-day moving averages and sits comfortably above the pivot, which acts as support. Momentum indicators are positive with a small MACD edge and rising short-term momentum, while RSI is constructive but not extended. ADX remains low around 10, indicating the uptrend lacks strong directional force, and ATR shows moderate volatility. However, on-balance volume is negative, suggesting recent gains are not yet volume-confirmed. Short-term averages remain supportive. Technical takeaway: Strong Buy.
All signals
  • EMA (5 indicators)$113.30 - $119.42
    Buy
  • RSI (14)58.36
    Neutral
  • Stochastic %K (14, 3, 3)74.47
    Neutral
  • MACD Level (12, 26)0.04
    Buy
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