Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and ...
Esquire Financial Holdings, Inc. is the parent company of Esquire Bank, National Association, a specialized commercial bank established in 2006 and headquartered in Jericho, New York. The company became publicly traded in 2017 and operates primarily in the United States. Its banking model is built around relationship-based commercial banking, with ...Esquire Financial Holdings, Inc. is the parent company of Esquire Bank, National Association, a specialized commercial bank established in 2006 and headquartered in Jericho, New York. The company became publicly traded in 2017 and operates primarily in the United States. Its banking model is built around relationship-based commercial banking, with a particular emphasis on the legal industry. Esquire Bank serves law firms, attorneys, legal professionals, small and midsized businesses, corporations, merchants, and individual consumers. The company has maintained a physical branch presence in Jericho, New York, an administrative office in Boca Raton, Florida, and has announced or developed additional branch activity, including a Los Angeles, California presence.
The company’s deposit products include checking accounts, savings accounts, money-market accounts, time deposits, and certificates of deposit. Deposits are an important source of funding for the bank’s lending activities. On the lending side, Esquire provides commercial loans for working-capital needs such as inventory, accounts receivable, supplies, and general operating liquidity. It also offers commercial lines of credit and financing for approved merchant clients. Consumer finance products include personal loans used for debt consolidation, medical expenses, living costs, and payment of outstanding bills. A specialized area is post-settlement and structured-settlement financing for plaintiffs and claimants.
Esquire also originates real estate loans covering multifamily properties, single-family residential properties, commercial real estate, and construction projects. Merchant services complement the lending and deposit businesses by helping business customers process payments and manage transaction activity. As a bank holding company, its economic model differs from a manufacturing or software company: it does not have a conventional bill of materials, physical product cost structure, or research-and-development program. Its principal costs generally relate to deposit interest expense, employee compensation, technology, regulatory compliance, credit administration, branch operations, and loan-loss provisions. Profitability is therefore influenced by net interest margins, deposit pricing, loan growth, credit quality, and noninterest income.
The supplied trailing-twelve-month data indicates approximately $1.135 billion in market capitalization, a price-to-earnings ratio of about 20.7, return on equity of approximately 17.8%, return on assets of approximately 2.1%, and a dividend of $0.75 per share. These figures are market and accounting snapshots and can change over time. Andrew C. Sagliocca has served as President and Chief Executive Officer of Esquire Bank since 2009 and as CEO of the financial holding company since its inception. The company’s strategic priorities generally include expanding its legal-industry franchise, growing deposits and loans prudently, developing commercial and fintech capabilities, maintaining strong credit and capital discipline, and extending its geographic reach while preserving service specialization.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$164.5M
+19.0%
+4.8%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$50.9M
+16.5%
+6.3%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+85.0%
-2.2%
-7.5%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+41.7%
-2.9%
+1.1%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+30.9%
-2.1%
+1.4%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$56.7M
+45.1%
-27.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+34.5%
+22.0%
-31.1%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
0.9%
—
—
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
488.25x
+211911.0%
+8.8%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
