Esquire Financial Holdings, Inc. (ESQ)

ESQ Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	112.14	98.46	82.71	55.26	42.16	35.68
Interest Income on Investments	19.82	14.92	9.17	5.74	2.37	2.95
Total Interest Income	131.96	113.37	91.89	60.99	44.53	38.63
Interest Paid on Deposits	16.87	13.44	8.11	1.64	0.83	1.19
Interest Paid on Borrowings	0	0	0	0	0	0.01
Total Interest Expense	16.88	13.44	8.12	1.65	0.83	1.19
Net Interest Income	115.09	99.93	83.77	59.35	43.7	37.44
Net Interest Income Growth (YoY)	20.24%	19.29%	41.16%	35.79%	16.73%	9.76%
Gain (Loss) on Sale of Investments	-	-	4.01	-	-	-
Other Non-Interest Income	25.13	24.9	25.74	24.84	21.32	14.65
Total Non-Interest Income	25.13	24.9	29.75	24.93	21.02	14.65
Non-Interest Income Growth (YoY)	0.55%	-16.32%	19.36%	18.55%	43.54%	24.01%
Revenues Before Loan Losses	140.22	124.82	113.52	84.27	64.73	52.09
Provision for Loan Losses	8.48	4.7	4.53	3.49	6.96	6.25
Revenue	131.74	120.12	109	80.78	57.77	45.84
Revenue Growth (YoY)	13.37%	10.21%	34.93%	39.83%	26.04%	4.00%
Salaries and Employee Benefits	36.16	34.01	29.26	23.33	19.78	15.33
Occupancy Expenses	3.58	3.34	2.51	2.6	2.23	1.79
Federal Deposit Insurance	1.1	0.94	0.79	0.56	0.45	0.38
Selling, General & Administrative	23.38	19.56	17.49	12.7	10.64	9.31
Other Non-Interest Expense	3.64	3	3.06	2.79	1.97	1.86
Total Non-Interest Expense	67.86	60.84	53.12	41.98	35.06	28.67
EBT Excluding Unusual Items	63.89	59.28	55.88	38.8	22.71	17.17
Pretax Income	63.89	59.28	55.88	38.8	22.71	17.17
Income Tax Expense	14.78	15.62	14.87	10.28	4.78	4.55
Net Income	49.11	43.66	41.01	28.52	17.93	12.62
Net Income to Common	49.11	43.66	41.01	28.52	17.93	12.62
Net Income Growth	17.52%	6.45%	43.81%	59.10%	42.06%	-10.78%
Basic Shares Outstanding	8	8	8	8	7	7
Diluted Shares Outstanding	9	8	8	8	8	8
Shares Change (YoY)	2.54%	1.70%	1.61%	3.36%	3.97%	-1.81%
EPS (Basic)	6.14	5.58	5.31	3.73	2.40	1.70
EPS (Diluted)	5.68	5.14	4.91	3.47	2.26	1.65
EPS Growth	14.70%	4.68%	41.50%	53.54%	36.97%	-9.34%
Dividend Per Share	0.675	0.600	0.475	0.280	-	-
Dividend Growth	17.39%	26.32%	69.64%	-	-	-
Effective Tax Rate	23.14%	26.35%	26.61%	26.50%	21.06%	26.50%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q