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Esquire Financial (ESQ) Financials

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$80.56 +1.05 (+1.32%)
Closing price 04/17/2025 04:00 PM Eastern
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$80.46 -0.09 (-0.12%)
As of 04/17/2025 04:07 PM Eastern
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Annual Income Statements for Esquire Financial

Annual Income Statements for Esquire Financial

This table shows Esquire Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 29 41 44
Consolidated Net Income / (Loss)		 29 41 44
Net Income / (Loss) Continuing Operations		 29 41 44
Total Pre-Tax Income 		39 56 59
Total Revenue		 84 114 125
Net Interest Income / (Expense)		 59 84 100
Total Interest Income		 61 92 113
Loans and Leases Interest Income		 54 81 98
Investment Securities Interest Income		 5.41 6.55 8.64
Deposits and Money Market Investments Interest Income		 1.57 4.15 6.28
Total Interest Expense		 1.65 8.12 13
Deposits Interest Expense		 1.64 8.11 13
Long-Term Debt Interest Expense		 0.00 0.00 0.00
Total Non-Interest Income		 25 30 25
Service Charges on Deposit Accounts		 2.53 2.47 2.74
Other Service Charges		 22 23 22
Net Realized & Unrealized Capital Gains on Investments		 -0.09 4.01 0.00
Provision for Credit Losses		 3.49 4.53 4.70
Total Non-Interest Expense		 42 53 61
Salaries and Employee Benefits		 26 32 38
Net Occupancy & Equipment Expense		 7.46 8.53 11
Marketing Expense		 2.03 2.81 4.48
Property & Liability Insurance Claims		 0.56 0.79 0.94
Other Operating Expenses		 6.16 8.51 6.82
Income Tax Expense		 10 15 16
Basic Earnings per Share		 $3.73 $5.31 $5.58
Weighted Average Basic Shares Outstanding		 8.20M 8.28M 8.43M
Diluted Earnings per Share		 $3.47 $4.91 $5.14
Weighted Average Diluted Shares Outstanding		 8.20M 8.28M 8.43M
Weighted Average Basic & Diluted Shares Outstanding		 8.20M 8.28M 8.43M
Cash Dividends to Common per Share		 $0.28 $0.48 $0.60

Quarterly Income Statements for Esquire Financial

This table shows Esquire Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
Consolidated Net Income / (Loss)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
Net Income / (Loss) Continuing Operations		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
Total Pre-Tax Income 		10 12 17 12 13 14 14 14 16 16
Total Revenue		 22 25 30 27 28 29 29 31 32 33
Net Interest Income / (Expense)		 16 18 19 20 22 23 23 24 26 27
Total Interest Income		 16 19 20 22 24 26 26 27 29 31
Loans and Leases Interest Income		 14 17 18 19 21 23 23 24 25 26
Investment Securities Interest Income		 1.50 1.74 1.81 1.90 1.40 1.44 1.61 2.02 2.39 2.62
Deposits and Money Market Investments Interest Income		 0.40 0.81 0.94 1.01 1.10 1.10 1.08 1.15 1.62 2.43
Total Interest Expense		 0.41 0.71 1.08 1.97 2.18 2.90 3.21 3.06 3.27 3.90
Deposits Interest Expense		 0.41 0.71 1.08 1.97 2.18 2.90 3.21 3.06 3.27 3.90
Long-Term Debt Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 6.43 6.78 10 6.70 6.53 6.27 6.39 6.28 6.06 6.17
Service Charges on Deposit Accounts		 0.89 - 0.53 0.74 0.62 0.58 0.75 0.62 0.66 0.71
Other Service Charges		 5.55 5.05 5.71 5.96 5.92 5.69 5.64 5.66 5.40 5.46
Provision for Credit Losses		 0.65 1.35 0.50 1.33 1.20 1.50 1.00 1.00 1.00 1.70
Total Non-Interest Expense		 11 11 12 13 14 14 15 15 15 16
Salaries and Employee Benefits		 6.52 6.82 7.48 7.80 8.43 8.76 9.16 9.53 9.53 9.63
Net Occupancy & Equipment Expense		 1.87 2.03 1.96 2.08 2.21 2.27 2.44 2.88 2.67 2.77
Marketing Expense		 0.66 0.52 0.58 0.57 0.72 0.94 1.15 1.06 1.21 1.06
Property & Liability Insurance Claims		 0.14 0.16 0.14 0.18 0.26 0.21 0.22 0.23 0.24 0.25
Other Operating Expenses		 1.65 1.85 2.31 2.34 2.13 1.72 1.60 1.54 1.72 1.97
Income Tax Expense		 2.78 3.29 4.39 3.37 3.46 3.65 3.63 3.88 4.20 3.92
Basic Earnings per Share		 $1.01 $1.19 $1.58 $1.18 $1.27 $1.28 $1.29 $1.34 $1.45 $1.50
Weighted Average Basic Shares Outstanding		 8.15M 8.20M 8.20M - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M
Diluted Earnings per Share		 $0.94 $1.09 $1.47 $1.10 $1.17 $1.17 $1.20 $1.25 $1.34 $1.35
Weighted Average Diluted Shares Outstanding		 8.15M 8.20M 8.20M - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M
Weighted Average Basic & Diluted Shares Outstanding		 8.15M 8.20M 8.20M - 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M

Annual Cash Flow Statements for Esquire Financial

This table details how cash moves in and out of Esquire Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents		 15 1.09 -39
Net Cash From Operating Activities		 39 42 42
Net Cash From Continuing Operating Activities		 39 42 42
Net Income / (Loss) Continuing Operations		 29 41 44
Consolidated Net Income / (Loss)		 29 41 44
Provision For Loan Losses		 3.49 4.53 4.70
Depreciation Expense		 2.08 1.97 2.72
Amortization Expense		 -1.05 -1.29 -0.48
Non-Cash Adjustments to Reconcile Net Income		 2.03 -2.35 3.73
Changes in Operating Assets and Liabilities, net		 3.73 -1.46 -12
Net Cash From Investing Activities		 -222 -215 -308
Net Cash From Continuing Investing Activities		 -222 -215 -308
Purchase of Property, Leasehold Improvements and Equipment		 -1.24 -3.00 -3.15
Purchase of Investment Securities		 -248 -239 -351
Sale and/or Maturity of Investments		 28 26 46
Net Cash From Financing Activities		 198 174 227
Net Cash From Continuing Financing Activities		 198 174 227
Net Change in Deposits		 200 179 235
Issuance of Debt		 - - -0.00
Repurchase of Common Equity		 0.00 -0.29 0.00
Payment of Dividends		 -2.15 -3.72 -4.85
Other Financing Activities, Net		 -0.01 -0.97 -2.92
Cash Interest Paid		 1.62 8.13 13
Cash Income Taxes Paid		 8.65 18 18

Quarterly Cash Flow Statements for Esquire Financial

This table details how cash moves in and out of Esquire Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 27 -18 40 -98 14 45 -6.97 -5.51 -5.07 -21
Net Cash From Operating Activities		 12 8.52 15 0.44 11 17 13 7.22 11 12
Net Cash From Continuing Operating Activities		 12 8.52 15 0.44 11 17 13 7.22 11 12
Net Income / (Loss) Continuing Operations		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
Consolidated Net Income / (Loss)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
Provision For Loan Losses		 0.65 1.35 0.50 1.33 1.20 1.50 1.00 1.00 1.00 1.70
Depreciation Expense		 0.81 0.64 0.48 0.49 0.50 0.50 0.61 0.81 0.63 0.67
Amortization Expense		 -0.32 -0.31 -0.32 -0.38 -0.35 -0.24 -0.15 -0.10 -0.19 -0.05
Non-Cash Adjustments to Reconcile Net Income		 0.91 -0.49 -2.99 0.77 1.35 -1.48 1.19 1.18 1.18 0.18
Changes in Operating Assets and Liabilities, net		 2.06 -1.79 4.82 -11 -1.76 6.36 0.07 -6.16 -3.45 -2.57
Net Cash From Investing Activities		 -16 -66 -9.98 -92 -19 -95 -45 -64 -64 -135
Net Cash From Continuing Investing Activities		 -16 -66 -9.98 -92 -19 -95 -45 -64 -64 -135
Purchase of Property, Leasehold Improvements and Equipment		 -0.37 -0.12 -0.85 -0.62 -0.74 -0.79 -0.93 -0.66 -0.78 -0.78
Purchase of Investment Securities		 -21 -72 -18 -96 -75 -50 -49 -73 -74 -155
Sale and/or Maturity of Investments		 5.46 5.60 8.65 4.91 57 -44 5.03 9.30 10 21
Net Cash From Financing Activities		 31 40 35 -6.37 23 123 25 52 49 102
Net Cash From Continuing Financing Activities		 31 40 35 -6.37 23 123 25 52 49 102
Net Change in Deposits		 32 41 36 -5.39 24 125 27 53 50 106
Issuance of Debt		 - - - - - - - - - -0.00
Payment of Dividends		 -0.69 -0.77 -0.78 -0.96 -0.85 -1.13 -1.18 -1.17 -1.17 -1.32
Other Financing Activities, Net		 0.01 -0.13 -0.11 0.01 0.05 -0.92 -0.13 - 0.19 -2.98
Cash Interest Paid		 0.41 0.69 1.06 1.88 2.24 2.95 3.21 3.07 3.28 3.88
Cash Income Taxes Paid		 2.90 2.78 0.16 9.72 3.98 3.72 0.65 8.29 4.42 4.65

Annual Balance Sheets for Esquire Financial

This table presents Esquire Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets		 1,396 1,617 1,893
Cash and Due from Banks		 164 165 126
Trading Account Securities		 240 202 313
Loans and Leases, Net of Allowance		 935 1,191 1,376
Loans and Leases		 947 1,207 1,397
Allowance for Loan and Lease Losses		 12 17 21
Premises and Equipment, Net		 2.70 2.60 2.44
Other Assets		 54 56 74
Total Liabilities & Shareholders' Equity		 1,396 1,617 1,893
Total Liabilities		 1,237 1,418 1,655
Interest Bearing Deposits		 1,228 1,407 1,642
Other Long-Term Liabilities		 9.25 11 13
Total Equity & Noncontrolling Interests		 158 199 237
Total Preferred & Common Equity		 158 199 237
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 158 199 237
Common Stock		 96 100 104
Retained Earnings		 78 114 153
Treasury Stock		 -0.91 -2.27 -5.69
Accumulated Other Comprehensive Income / (Loss)		 -15 -13 -14

Quarterly Balance Sheets for Esquire Financial

This table presents Esquire Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 1,348 1,451 1,482 1,654 1,716 1,782
Cash and Due from Banks		 182 106 121 158 153 148
Trading Account Securities		 245 237 196 220 253 285
Loans and Leases, Net of Allowance		 864 1,042 1,098 1,211 1,243 1,278
Loans and Leases		 875 1,056 1,113 1,228 1,261 1,297
Allowance for Loan and Lease Losses		 11 14 15 18 19 19
Premises and Equipment, Net		 2.85 2.50 2.50 2.66 2.81 2.61
Other Assets		 54 63 65 62 65 69
Total Liabilities & Shareholders' Equity		 1,348 1,451 1,482 1,654 1,716 1,782
Total Liabilities		 1,199 1,272 1,297 1,447 1,498 1,550
Interest Bearing Deposits		 1,187 1,259 1,283 1,434 1,487 1,536
Other Long-Term Liabilities		 12 13 14 13 11 14
Total Equity & Noncontrolling Interests		 149 179 186 207 217 233
Total Preferred & Common Equity		 149 179 186 207 217 233
Total Common Equity		 149 179 186 207 217 233
Common Stock		 96 98 99 101 102 103
Retained Earnings		 69 97 105 123 132 142
Treasury Stock		 -0.63 -1.35 -1.35 -2.57 -2.57 -2.57
Accumulated Other Comprehensive Income / (Loss)		 -16 -14 -17 -14 -14 -10

Annual Metrics and Ratios for Esquire Financial

This table displays calculated financial ratios and metrics derived from Esquire Financial's official financial filings.

Metric 2022 2023 2024
Growth Metrics		 - - -
Revenue Growth		 30.19% 34.71% 9.95%
EBITDA Growth		 73.27% 42.01% 8.75%
EBIT Growth		 70.87% 44.02% 6.08%
NOPAT Growth		 59.10% 43.81% 6.45%
Net Income Growth		 59.10% 43.81% 6.45%
EPS Growth		 53.54% 41.50% 4.68%
Operating Cash Flow Growth		 28.98% 9.29% -0.45%
Free Cash Flow Firm Growth		 5,198.87% -95.64% 733.71%
Invested Capital Growth		 10.03% 25.54% 19.41%
Revenue Q/Q Growth		 10.86% 3.48% 3.41%
EBITDA Q/Q Growth		 14.32% 1.91% 4.23%
EBIT Q/Q Growth		 14.25% 2.07% 3.74%
NOPAT Q/Q Growth		 9.12% 1.91% 4.48%
Net Income Q/Q Growth		 9.12% 1.91% 4.48%
EPS Q/Q Growth		 7.76% 1.66% 3.63%
Operating Cash Flow Q/Q Growth		 2.99% 23.27% -10.28%
Free Cash Flow Firm Q/Q Growth		 -4.62% -80.64% 198.99%
Invested Capital Q/Q Growth		 6.48% 6.97% 1.95%
Profitability Metrics		 - - -
EBITDA Margin		 47.26% 49.82% 49.28%
EBIT Margin		 46.04% 49.22% 47.49%
Profit (Net Income) Margin		 33.84% 36.13% 34.98%
Tax Burden Percent		 73.50% 73.39% 73.65%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 26.50% 26.61% 26.35%
Return on Invested Capital (ROIC)		 18.89% 22.99% 20.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 9.34% 0.34% 2.35%
Operating Return on Assets (OROA)		 3.01% 3.71% 3.38%
Return on Assets (ROA)		 2.22% 2.72% 2.49%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 18.03% 20.65% 18.41%
Net Operating Profit after Tax (NOPAT)		 29 41 44
NOPAT Margin		 33.84% 36.13% 34.98%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.84% 38.60% 42.52%
Operating Expenses to Revenue		 49.82% 46.79% 48.74%
Earnings before Interest and Taxes (EBIT)		 39 56 59
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 40 57 62
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 2.18 2.04 2.78
Price to Tangible Book Value (P/TBV)		 2.18 2.04 2.78
Price to Revenue (P/Rev)		 4.09 3.56 5.29
Price to Earnings (P/E)		 12.07 9.86 15.12
Dividend Yield		 0.66% 0.96% 0.76%
Earnings Yield		 8.28% 10.14% 6.61%
Enterprise Value to Invested Capital (EV/IC)		 1.14 1.21 2.25
Enterprise Value to Revenue (EV/Rev)		 2.14 2.11 4.28
Enterprise Value to EBITDA (EV/EBITDA)		 4.52 4.23 8.68
Enterprise Value to EBIT (EV/EBIT)		 4.64 4.28 9.01
Enterprise Value to NOPAT (EV/NOPAT)		 6.32 5.84 12.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.64 5.65 12.65
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.78 389.84 104.29
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00
Leverage Ratio		 8.53 8.45 8.06
Compound Leverage Factor		 8.53 8.45 8.06
Debt to Total Capital		 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 14 0.61 5.12
Operating Cash Flow to CapEx		 3,138.92% 1,411.48% 1,340.49%
Free Cash Flow to Firm to Interest Expense		 8.56 0.08 0.38
Operating Cash Flow to Interest Expense		 23.56 5.23 3.14
Operating Cash Flow Less CapEx to Interest Expense		 22.81 4.85 2.91
Efficiency Ratios		 - - -
Asset Turnover		 0.07 0.08 0.07
Fixed Asset Turnover		 27.91 42.79 49.55
Capital & Investment Metrics		 - - -
Invested Capital		 158 199 237
Invested Capital Turnover		 0.56 0.64 0.57
Increase / (Decrease) in Invested Capital		 14 40 39
Enterprise Value (EV)		 180 239 534
Market Capitalization		 344 405 660
Book Value per Share		 $19.41 $24.20 $28.49
Tangible Book Value per Share		 $19.41 $24.20 $28.49
Total Capital		 158 199 237
Total Debt		 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -164 -165 -126
Capital Expenditures (CapEx)		 1.24 3.00 3.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.03 0.68 2.23
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $3.73 $5.31 $5.58
Adjusted Weighted Average Basic Shares Outstanding		 8.20M 8.28M 8.43M
Adjusted Diluted Earnings per Share		 $3.47 $4.91 $5.14
Adjusted Weighted Average Diluted Shares Outstanding		 8.20M 8.28M 8.43M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.20M 8.28M 8.43M
Normalized Net Operating Profit after Tax (NOPAT)		 29 41 44
Normalized NOPAT Margin		 33.84% 36.13% 34.98%
Pre Tax Income Margin		 46.04% 49.22% 47.49%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 23.56 6.89 4.41
NOPAT to Interest Expense		 17.32 5.05 3.25
EBIT Less CapEx to Interest Expense		 22.81 6.52 4.18
NOPAT Less CapEx to Interest Expense		 16.56 4.68 3.01
Payout Ratios		 - - -
Dividend Payout Ratio		 7.54% 9.07% 11.10%
Augmented Payout Ratio		 7.54% 9.77% 11.10%

Quarterly Metrics and Ratios for Esquire Financial

This table displays calculated financial ratios and metrics derived from Esquire Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 35.61% 48.93% 70.93% 34.71% 28.55% 15.18% -1.01% 14.24% 12.98% 14.23%
EBITDA Growth		 240.78% 64.40% 128.10% 43.36% 22.45% 8.34% -15.47% 19.72% 19.02% 18.12%
EBIT Growth		 204.00% 64.01% 127.99% 44.46% 26.72% 9.14% -17.42% 15.08% 17.06% 15.77%
NOPAT Growth		 206.11% 35.42% 127.99% 43.49% 27.57% 8.43% -17.42% 15.08% 15.48% 18.93%
Net Income Growth		 206.11% 35.42% 127.99% 43.49% 27.57% 8.43% -17.42% 15.08% 15.48% 18.93%
EPS Growth		 193.75% 29.76% 122.73% 41.03% 24.47% 7.34% -18.37% 13.64% 14.53% 15.38%
Operating Cash Flow Growth		 85.72% 15.26% 31.63% -94.02% -8.88% 93.98% -12.90% 1,551.72% -2.22% -29.28%
Free Cash Flow Firm Growth		 71.14% 51.42% -167.44% 3,531.87% -646.98% -474.78% 22.40% -233.81% -30.71% 12.22%
Invested Capital Growth		 8.28% 10.03% 24.77% 0.00% 24.96% 25.54% 15.75% 0.00% 25.30% 19.41%
Revenue Q/Q Growth		 10.55% 14.30% 17.63% -9.36% 5.48% 2.42% 1.09% 4.60% 4.32% 3.56%
EBITDA Q/Q Growth		 25.03% 15.97% 31.40% -24.75% 6.79% 2.60% 2.52% 6.58% 6.16% 1.82%
EBIT Q/Q Growth		 21.41% 18.21% 33.62% -24.67% 6.50% 1.81% 1.10% 4.98% 8.33% 0.69%
NOPAT Q/Q Growth		 21.41% 18.19% 33.63% -25.17% 7.94% 0.46% 1.78% 4.27% 8.32% 3.46%
Net Income Q/Q Growth		 21.41% 18.19% 33.63% -25.17% 7.94% 0.46% 1.78% 4.27% 8.32% 3.46%
EPS Q/Q Growth		 20.51% 15.96% 34.86% -25.17% 6.36% 0.00% 2.56% 4.17% 7.20% 0.75%
Operating Cash Flow Q/Q Growth		 61.64% -27.94% 72.22% -97.02% 2,364.76% 53.40% -22.67% -43.51% 45.91% 10.95%
Free Cash Flow Firm Q/Q Growth		 19.09% -45.61% -339.67% 762.50% -117.61% -12.04% 40.64% -1,042.34% 82.80% 24.75%
Invested Capital Q/Q Growth		 2.07% 6.48% 13.12% -100.00% 0.00% 6.97% 4.29% 4.99% 6.97% 1.95%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 49.96% 50.68% 56.62% 47.01% 47.59% 47.67% 48.35% 49.26% 50.13% 49.29%
EBIT Margin		 47.73% 49.36% 56.07% 46.61% 47.05% 46.78% 46.78% 46.95% 48.75% 47.41%
Profit (Net Income) Margin		 35.08% 36.28% 41.21% 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56%
Tax Burden Percent		 73.50% 73.49% 73.50% 73.00% 74.00% 73.01% 73.50% 73.00% 73.00% 75.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.50% 26.51% 26.50% 27.00% 26.00% 26.99% 26.50% 27.00% 27.00% 25.00%
Return on Invested Capital (ROIC)		 18.67% 20.25% 24.69% 0.00% 22.86% 21.74% 20.17% 36.90% 20.55% 20.38%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 10.34% 9.34% -0.10% 0.00% 1.90% 0.34% 5.55% -162.96% -2.47% 2.35%
Operating Return on Assets (OROA)		 2.94% 3.23% 4.02% 0.00% 3.65% 3.53% 3.41% 3.20% 3.60% 3.37%
Return on Assets (ROA)		 2.16% 2.38% 2.95% 0.00% 2.70% 2.57% 2.51% 2.34% 2.63% 2.53%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 17.59% 0.00% 19.76% 0.00% 21.68% 0.00% 18.78% 18.52% 17.97% 0.00%
Net Operating Profit after Tax (NOPAT)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
NOPAT Margin		 35.08% 36.28% 41.21% 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.15% 37.29% 33.92% 39.03% 40.23% 41.39% 43.58% 44.00% 42.00% 40.72%
Operating Expenses to Revenue		 49.31% 45.26% 42.24% 48.45% 48.70% 48.04% 49.80% 49.78% 48.11% 47.45%
Earnings before Interest and Taxes (EBIT)		 10 12 17 12 13 14 14 14 16 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 13 17 13 13 14 14 15 16 16
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.00 2.18 1.76 0.00 2.00 2.04 1.89 1.81 2.33 2.78
Price to Tangible Book Value (P/TBV)		 2.00 2.18 1.76 0.00 2.00 2.04 1.89 1.81 2.33 2.78
Price to Revenue (P/Rev)		 3.91 4.09 3.26 3.57 3.38 3.56 3.45 3.36 4.49 5.29
Price to Earnings (P/E)		 11.36 12.07 8.91 9.69 9.20 9.86 10.05 9.78 12.97 15.12
Dividend Yield		 0.49% 0.66% 0.99% 0.92% 1.00% 0.96% 1.11% 1.16% 0.88% 0.76%
Earnings Yield		 8.80% 8.28% 11.22% 10.32% 10.86% 10.14% 9.95% 10.23% 7.71% 6.61%
Enterprise Value to Invested Capital (EV/IC)		 0.77 1.14 1.17 0.00 1.35 1.21 1.12 1.11 1.70 2.25
Enterprise Value to Revenue (EV/Rev)		 1.51 2.14 2.16 0.00 2.28 2.11 2.05 2.06 3.27 4.28
Enterprise Value to EBITDA (EV/EBITDA)		 3.29 4.52 4.24 0.00 4.50 4.23 4.31 4.27 6.69 8.68
Enterprise Value to EBIT (EV/EBIT)		 3.38 4.64 4.34 0.00 4.56 4.28 4.39 4.39 6.90 9.01
Enterprise Value to NOPAT (EV/NOPAT)		 4.39 6.32 5.91 0.00 6.21 5.84 5.98 5.98 9.44 12.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.05 4.64 4.93 0.00 7.26 5.65 5.74 5.10 8.38 12.65
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.77 12.78 0.00 0.00 78.77 389.84 21.70 0.00 0.00 104.29
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 8.65 8.53 8.36 0.00 8.47 8.45 8.04 7.89 7.81 8.06
Compound Leverage Factor		 8.65 8.53 8.36 0.00 8.47 8.45 8.04 7.89 7.81 8.06
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 0.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.65 -5.31 -23 155 -27 -31 -18 -207 -36 -27
Operating Cash Flow to CapEx		 3,203.52% 7,218.64% 1,732.00% 70.14% 1,451.62% 2,086.24% 1,379.81% 1,087.05% 1,348.53% 1,501.93%
Free Cash Flow to Firm to Interest Expense		 -8.83 -7.44 -21.69 78.66 -12.52 -10.53 -5.64 -67.56 -10.88 -6.87
Operating Cash Flow to Interest Expense		 28.62 11.93 13.63 0.22 4.95 5.70 3.98 2.36 3.22 3.00
Operating Cash Flow Less CapEx to Interest Expense		 27.73 11.76 12.85 -0.09 4.61 5.43 3.69 2.14 2.98 2.80
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.06 0.07 0.07 0.00 0.08 0.08 0.07 0.07 0.07 0.07
Fixed Asset Turnover		 24.15 27.91 34.09 0.00 40.97 42.79 43.87 41.67 47.21 49.55
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 149 158 179 0.00 186 199 207 217 233 237
Invested Capital Turnover		 0.53 0.56 0.60 0.00 0.66 0.64 0.59 1.08 0.58 0.57
Increase / (Decrease) in Invested Capital		 11 14 36 -146 37 40 28 217 47 39
Enterprise Value (EV)		 115 180 209 0.00 250 239 233 241 395 534
Market Capitalization		 297 344 315 369 370 405 391 394 542 660
Book Value per Share		 $18.38 $19.41 $21.82 $0.00 $22.63 $24.20 $25.00 $26.22 $27.97 $28.49
Tangible Book Value per Share		 $18.38 $19.41 $21.82 $0.00 $22.63 $24.20 $25.00 $26.22 $27.97 $28.49
Total Capital		 149 158 179 0.00 186 199 207 217 233 237
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -182 -164 -106 0.00 -121 -165 -158 -153 -148 -126
Capital Expenditures (CapEx)		 0.37 0.12 0.85 0.62 0.74 0.79 0.93 0.66 0.78 0.78
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.49 0.33 0.16 0.11 0.15 0.26 0.46 0.71 0.44 0.62
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.01 $1.19 $0.00 $0.00 $1.27 $1.28 $1.29 $1.34 $1.45 $1.50
Adjusted Weighted Average Basic Shares Outstanding		 8.15M 8.20M 0.00 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M
Adjusted Diluted Earnings per Share		 $0.94 $1.09 $0.00 $0.00 $1.17 $1.17 $1.20 $1.25 $1.34 $1.35
Adjusted Weighted Average Diluted Shares Outstanding		 8.15M 8.20M 0.00 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.15M 8.20M 0.00 0.00 8.20M 8.28M 8.29M 8.31M 8.32M 8.43M
Normalized Net Operating Profit after Tax (NOPAT)		 7.71 9.11 12 9.11 9.84 9.88 10 10 11 12
Normalized NOPAT Margin		 35.08% 36.28% 41.21% 34.02% 34.82% 34.15% 34.38% 34.27% 35.59% 35.56%
Pre Tax Income Margin		 47.73% 49.36% 56.07% 46.61% 47.05% 46.78% 46.78% 46.95% 48.75% 47.41%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 25.40 17.37 15.40 6.35 6.11 4.67 4.26 4.69 4.75 4.02
NOPAT to Interest Expense		 18.67 12.76 11.32 4.64 4.52 3.41 3.13 3.42 3.47 3.02
EBIT Less CapEx to Interest Expense		 24.51 17.20 14.61 6.03 5.77 4.40 3.97 4.47 4.52 3.82
NOPAT Less CapEx to Interest Expense		 17.78 12.60 10.53 4.32 4.18 3.14 2.84 3.21 3.23 2.82
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 5.26% 7.54% 8.27% 8.40% 8.35% 9.07% 10.61% 10.76% 11.15% 11.10%
Augmented Payout Ratio		 5.26% 7.54% 9.03% 9.15% 9.06% 9.77% 10.66% 10.76% 11.15% 11.10%

Frequently Asked Questions About Esquire Financial's Financials

When does Esquire Financial's financial year end?

According to the most recent income statement we have on file, Esquire Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Esquire Financial's net income changed over the last 2 years?

Esquire Financial's net income appears to be on an upward trend, with a most recent value of $43.66 million in 2024, rising from $28.52 million in 2022. The previous period was $41.01 million in 2023.

How has Esquire Financial revenue changed over the last 2 years?

Over the last 2 years, Esquire Financial's total revenue changed from $84.27 million in 2022 to $124.82 million in 2024, a change of 48.1%.

How much debt does Esquire Financial have?

Esquire Financial's total liabilities were at $1.66 billion at the end of 2024, a 16.7% increase from 2023, and a 33.8% increase since 2022.

How much cash does Esquire Financial have?

In the past 2 years, Esquire Financial's cash and equivalents has ranged from $126.33 million in 2024 to $165.21 million in 2023, and is currently $126.33 million as of their latest financial filing in 2024.

How has Esquire Financial's book value per share changed over the last 2 years?

Over the last 2 years, Esquire Financial's book value per share changed from 19.41 in 2022 to 28.49 in 2024, a change of 46.8%.


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This page (NASDAQ:ESQ) was last updated on 4/19/2025 by MarketBeat.com Staff
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