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Esquire Financial Holdings, Inc. key statistics and ratios

In fiscal 2025, Esquire Financial Holdings, Inc. had return on equity of 19.3% and a net margin of 34.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin7.8%14.3%14.4%24.5%30.8%24.2%27.7%33.8%36.1%35.0%34.7%33.0%
Return on equity2.4%5.6%5.4%9.9%13.9%10.6%13.3%18.9%23.0%20.0%19.3%17.5%
Return on assets—0.7%0.8%1.5%1.9%1.5%1.7%2.2%2.7%2.5%2.4%2.2%
Effective tax rate36.2%38.5%48.2%26.8%26.1%26.5%21.1%26.5%26.6%26.4%22.6%24.8%
Dividends ÷ net income———————7.5%9.1%11.1%11.5%12.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

76 /100

Strong moat

How hard Esquire Financial Holdings's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 1.6% of total assets over 10 years.

  • Durability 17 / 20

    Net margin has been a median 28.5%; its worst year was 15.0%.

  • Discipline 12 / 20

    The diluted share count rose 12.5% over five years; stock-based pay has been a median 2.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (81 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BSRR vs ESQESQ vs FSBWCWBC vs ESQ

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Esquire Financial Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Esquire Financial Holdings, Inc.