Esquire Financial Holdings Inc
NASDAQ: ESQ · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-02
Esquire Financial Holdings Inc (ESQ) Financial statements
SEC filings — annual and quarterly data.
Balance sheet — annual
| Item | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $330.69M | $352.65M | $424.83M | $533.63M | $663.90M | $798.01M | $936.71M | $1.18B | $1.40B | $1.62B | $1.89B | $2.37B |
| Cash & equivalents | $71.89M | $33.15M | $42.99M | $43.08M | $30.56M | $61.81M | $65.19M | $149.16M | $164.12M | $165.21M | $126.33M | $235.89M |
| Current assets | $71.89M | $118.81M | $137.18M | $174.67M | $180.12M | $211.47M | $187.37M | $301.74M | $279.16M | $296.45M | $378.20M | $482.39M |
| Total liabilities | $292.15M | $303.23M | $372.65M | $450.25M | $571.13M | $86000.00 | $49000.00 | $1.04B | $1.24B | $1.42B | $1.66B | $2.08B |
| Current liabilities | $983652.00 | $302.84M | $372.28M | $449.90M | $571.04M | $202.42M | $352.34M | $1.04B | $1.24B | $1.41B | $1.64B | $988000.00 |
| Long-term debt | $390528.00 | $381000.00 | $371000.00 | $278000.00 | $89000.00 | $86000.00 | $49000.00 | — | — | — | — | — |
| Shareholder equity | $38.54M | $49.42M | $52.19M | $83.38M | $92.77M | $797.92M | $936.66M | $143.74M | $158.16M | $198.56M | $237.09M | $289.60M |
| Retained earnings | $-9.82M | $-8.65M | $-5.83M | $-1.96M | $6.77M | $20.92M | $33.53M | $51.46M | $77.71M | $114.26M | $152.93M | $197.79M |
| Accounts receivable | $6.72M | $1.42M | $1.54M | $2.84M | $3.85M | $3.24M | $4.53M | $4.20M | $5.77M | $9.13M | $10.12M | $12.64M |
| Inventory | — | — | $-44.53M | $-45.91M | $-34.42M | $-65.05M | $-121.44M | $-203.62M | — | $-174.34M | — | — |
| Goodwill | — | — | — | $0.00 | — | — | — | — | — | $1.38B | — | — |
Frequently asked questions
What is Esquire Financial Holdings Inc's revenue?
Esquire Financial Holdings Inc's trailing twelve-month revenue is $142.38M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is ESQ?
In its most recent fiscal year, ESQ ran a gross margin of 84.98%, an operating margin of 41.65%, and a net margin of 30.91%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does ESQ generate?
ESQ produced $56.68M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is ESQ's balance sheet healthy?
ESQ holds $235.89M in cash and equivalents against — in long-term debt, on $289.60M of shareholder equity. That debt is best read against the cash flow the business throws off each year.