Esquire Financial Holdings (ESQ) Financial Statements & Analysis

Esquire Financial Holdings (ESQ) Income Statement

Esquire Financial Holdings reported revenue of $146.56M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 6.0% from $138.27M a year earlier. Net income was $50.82M, up 16.4% year over year, a net margin of 34.7%. Gross margin was 95.4% and operating margin 46.7%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $39.23M, up 21.4% from the same quarter a year earlier.

Esquire Financial Holdings Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Esquire Financial Holdings, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	146.56	138.27	121.64	84.27	65.56	53.28	48.47	36.81	25.91
Cost of Revenue	24.71	18.14	12.64	5.14	7.78	7.44	4.40	2.59	1.44
Gross Profit	139.79	120.12	109.00	80.78	57.77	45.84	44.07	34.22	24.47
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	47.05	42.30	35.10	27.79	23.36	17.83	15.44	13.75	10.81
Operating Expenses	71.27	60.84	53.12	41.98	35.06	28.67	24.93	22.30	17.43
Operating Income	68.52	59.28	55.88	38.80	22.71	17.17	19.14	11.92	7.03
Other Income/Expense
Interest Income	139.42	113.37	91.89	60.99	44.53	38.63	36.66	28.95	20.39
Interest Expense	17.94	13.44	8.12	1.65	0.83	1.19	2.55	1.21	0.54
Other Income/Expense	-2.90	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	65.65	59.28	55.88	38.80	22.71	17.17	19.14	11.92	7.03
Income Tax Expense	14.83	15.62	14.87	10.28	4.78	4.55	5.00	3.19	3.39
Net Income	50.82	43.66	41.01	28.52	17.93	12.62	14.14	8.73	3.64
Net Income - Continuous Operations	50.82	43.66	41.01	28.52	17.93	12.62	14.14	8.73	3.64
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	71.28	62.57	58.42	41.35	24.94	18.79	20.43	12.72	7.45
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	3.68	3.29	2.54	2.55	2.24	1.62	1.29	0.80	0.41
Earnings Per Share
Basic EPS	6.00	6.00	5.00	4.00	2.00	2.00	2.00	1.00	1.00
Diluted EPS	6.00	5.00	5.00	3.00	2.00	2.00	2.00	1.00	1.00
Basic Shares Outstanding	8.06	7.82	7.72	7.64	7.47	7.41	7.39	7.40	6.23
Diluted Shares Outstanding	8.66	8.49	8.35	8.11	7.95	7.64	7.78	7.73	6.24

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Esquire Financial Holdings Financial Statements

What was Esquire Financial Holdings's revenue in fiscal 2025?

Esquire Financial Holdings reported revenue of $146.56M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 6.0% from $138.27M a year earlier.

Is Esquire Financial Holdings profitable?

Yes. Esquire Financial Holdings earned net income of $50.82M in fiscal 2025, a net margin of 34.7%. In fiscal 2024 it earned $43.66M.

What is Esquire Financial Holdings's operating margin?

Esquire Financial Holdings's operating income was $68.52M on revenue of $146.56M in fiscal 2025, an operating margin of 46.7%, compared with 42.9% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition