Esquire Financial Holdings, Inc. (ESQ) — Financial statements
Income statement, balance sheet, and cash flow for Esquire Financial Holdings, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 164↑19.0% | 138↑13.7% | 122↑41.6% | 86↑31.1% | 66 | |
| Cost of Revenue | 25↑36.2% | 18↑43.5% | 13↑146.1% | 5↓34.0% | 8 | |
| Gross Profit | 140↑16.4% | 120↑10.2% | 109↑34.9% | 81↑39.8% | 58 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 43↑11.3% | 39↑16.6% | 33↑26.4% | 26↑18.7% | 22 | |
| Selling & Marketing Expenses | 3↓25.0% | 4↑92.8% | 2↑24.7% | 1↑24.5% | 1 | |
| SG&A Expenses | 46↑8.3% | 42↑20.5% | 35↑26.3% | 28↑19.0% | 23 | |
| Other Expenses | 25↑37.4% | 19↑2.9% | 18↑27.0% | 14↑21.2% | 12 | |
| Operating Expenses | 71↑17.1% | 61↑14.5% | 53↑26.5% | 42↑19.7% | 35 | |
| Total Costs & Expenses | 96↑21.5% | 79↑20.1% | 66↑39.6% | 47↑10.0% | 43 | |
| Operating Results | ||||||
| Operating Income | 69↑15.6% | 59↑6.1% | 56↑44.0% | 39↑70.9% | 23 | |
| Depreciation & Amortization | 3↓15.9% | 3↑29.6% | 3↓0.5% | 3↑14.0% | 2 | |
| EBITDA | 71↑13.9% | 63↑7.1% | 58↑41.3% | 41↑65.8% | 25 | |
| EBIT | 69↑15.6% | 59↑6.1% | 56↑44.0% | 39↑70.9% | 23 | |
| Interest & Other Income | ||||||
| Net Interest Income | 121↑21.6% | 100↑19.3% | 84↑41.2% | 59↑35.8% | 44 | |
| Interest Income | 139↑23.0% | 113↑23.4% | 92↑50.7% | 61↑37.0% | 45 | |
| Interest Expense | 18↑33.4% | 13↑65.7% | 8↑392.7% | 2↑98.9% | 0.83 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -3 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 66↑10.7% | 59↑6.1% | 56↑44.0% | 39↑70.9% | 23 | |
| Income Tax Expense | 15↓5.5% | 16↑5.1% | 15↑44.6% | 10↑115.0% | 5 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 51↑16.5% | 44↑6.5% | 41↑43.8% | 29↑59.1% | 18 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 51↑16.5% | 44↑6.5% | 41↑43.8% | 29↑59.1% | 18 | |
| Bottom-Line Net Income | 51↑16.5% | 44↑6.5% | 41↑43.8% | 29↑59.1% | 18 | |
| EPS (Basic) | 6.30↑12.9% | 5.58↑5.1% | 5.31↑42.4% | 3.73↑55.4% | 2.40 | |
| EPS (Diluted) | 5.88↑14.4% | 5.14↑4.7% | 4.91↑41.5% | 3.47↑53.5% | 2.26 | |
| Weighted Average Shares | 9↑11.4% | 8↑1.3% | 8↑1.0% | 8↑2.3% | 7 | |
| Weighted Average Diluted Shares | 9↑2.6% | 8↑1.7% | 8↑3.0% | 8↑2.0% | 8 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.