Esquire Financial Holdings, Inc. (ESQ)
Operating cash flow minus capital spending left $56.7M of free cash flow in fiscal 2025. At September 30, 2026 it held $471.5M in cash against $7M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Esquire Financial Holdings, Inc.
- Net worth
- Esquire Financial Holdings, Inc. has a market value (market cap) of $1.6B at the latest share price, and shareholders' equity of $786.6M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $59.8M of cash; after $3.2M of capital spending, free cash flow was $56.7M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Esquire Financial Holdings, Inc.'s next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Esquire Financial Holdings, Inc. paid dividends of $0.70 per share in fiscal 2025, a yield of 0.53% at the current price.
What Esquire Financial Holdings, Inc. does
Esquire Financial Holdings, Inc. is registered with the SEC under industry code SIC 6029 (Commercial Banks, NEC). Its shares trade on NASDAQ under the ticker ESQ.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $50.8M | $5.87 | $56.7M |
| 2024 | n/a | $43.7M | $5.14 | $41.5M |
| 2023 | n/a | $41M | $4.91 | $41.8M |
| 2022 | n/a | $28.5M | $3.47 | $38.7M |
| 2021 | n/a | $17.9M | $2.26 | $29.1M |
| 2020 | n/a | $12.6M | $1.65 | $14.8M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Esquire Financial Holdings, Inc. paid $0.70 per share in fiscal 2025. At the current price that is a yield of 0.53%. It paid out $5.9M in cash dividends, 12% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.70 | $5.9M | 12% |
| 2024 | $0.60 | $4.8M | 11% |
| 2023 | $0.48 | $3.7M | 9% |
| 2022 | $0.28 | $2.1M | 8% |
Latest SEC filings
What Esquire Financial Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- October 30, 2026Other event 8-K
- October 27, 2026
- October 15, 2026Exhibits 8-K/A
- August 10, 2026
- August 6, 2026Passive stake changed SCHEDULE 13G/A
- August 3, 2026
- August 3, 2026
- July 30, 2026Other event 8-K
- July 23, 2026
Insider trades
What the people running Esquire Financial Holdings, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $5.3M worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 29, 2026 | Coelho AnthonyDirector | Sold | 11,600 | $1.5M |
| October 28, 2026 | Kornhaber Ari PEVP and Head of Corp Dev | Sold | 13,426 | $1.7M |
| October 28, 2026 | Kornhaber Ari PEVP and Head of Corp Dev | Sold | 6,574 | $846.5K |
| September 18, 2026 | Sagliocca Andrew CVice Chairman, President & CEO, Director | Sold | 10,000 | $1.2M |
| September 14, 2026 | O'Rourke Michael GPresident of Chicago Bank Div, Director | Exercised options | 5,953 | $116.5K |
| August 25, 2026 | Powers Richard TDirector | Gave as a gift | 51,380 | - |
| August 7, 2026 | Coelho AnthonyDirector | Exercised options | 20,000 | $250K |
| August 7, 2026 | Coelho AnthonyDirector | Shares withheld for tax | 1,902 | $249.9K |
Who owns ESQ
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Mawer Investment Management Ltd.13G, passive | 6.76% | August 6, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 165 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 601,624 | +51,278 |
| Mawer Investment Management Ltd. | 583,871 | -141,343 |
| Basswood Capital Management, L.L.C. | 369,416 | +100,689 |
| State Street Corp | 352,787 | +86,513 |
| Vanguard Capital Management LLC | 317,112 | +5,289 |
| Copeland Capital Management, LLC | 296,535 | -8,112 |
| Wasatch Advisors LP | 292,242 | -51,804 |
| American Century Companies Inc | 245,685 | +15,762 |
| Geode Capital Management, LLC | 242,287 | +17,485 |
| Dimensional Fund Advisors LP | 204,697 | +3,890 |
| Langdon Equity Partners | 189,000 | +48,654 |
| Royce & Associates LP | 172,177 | +9,831 |
| Northern Trust Corp | 123,360 | +4,412 |
| Gator Capital Management, LLC | 100,896 | +2,550 |
| Vanguard Portfolio Management LLC | 90,361 | -1,754 |
| Morgan Stanley | 87,597 | -45,105 |
| Renaissance Technologies LLC | 79,600 | +23,600 |
| Alliancebernstein L.P. | 77,157 | +500 |
| Goldman Sachs Group Inc | 67,334 | -4,633 |
| Granite Investment Partners, LLC | 61,306 | -28 |
Insiders
15 insiders reported holding 1,186,490 shares in total, about $158M at the last price.
| Holder | Shares |
|---|---|
| Sagliocca Andrew CVice Chairman, President & CEO, Director | 288,798 |
| Mitzman RobertDirector | 139,679 |
| Bader Eric SEVP and COO | 139,116 |
| Caronia LeonardDirector | 100,761100,761 held indirectly |
| Kornhaber Ari PEVP and Head of Corp Dev | 99,792 |
| O'Rourke Michael GPresident of Chicago Bank Div, Director | 91,30918,630 held indirectly |
| Waterhouse Kevin CDirector | 87,352 |
| Zises SeligDirector | 79,24963,533 held indirectly |
| Deutsch ToddDirector | 72,401 |
| Coelho AnthonyDirector | 55,765 |
Questions about ESQ
What does Esquire Financial Holdings, Inc. do?
Esquire Financial Holdings, Inc. is a company in the Finance sector, listed on NASDAQ as ESQ. Its shares trade on NASDAQ under the ticker ESQ.
What is Esquire Financial Holdings, Inc.'s net worth?
Esquire Financial Holdings, Inc. has a market value (market cap) of $1.6B at the latest share price, and shareholders' equity of $786.6M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Esquire Financial Holdings, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $56.1M.
When did Esquire Financial Holdings, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Esquire Financial Holdings, Inc.'s next earnings report?
Esquire Financial Holdings, Inc.'s next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Esquire Financial Holdings, Inc. pay a dividend?
Yes. Esquire Financial Holdings, Inc. paid dividends of $0.70 per share in fiscal 2025, a yield of 0.53% at the current price.
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Where the numbers come from
Financial figures are the values Esquire Financial Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.