Key Takeaways NYT, YUMC and ESQ announced dividend hikes as markets turned volatile this year.NYT set a $0.23 dividend for Apr. 16, extending a multi-year pattern of dividend increases.YUMC declared a $0.29 dividend for Mar. 25, marking its fourth dividend increase in five years.Wall Street has remained volatile since the beginning of the year, despite all three major indexes hitting new highs. The volatility has intensified over the past two weeks, with indexes giving up most of their gains this year.The v ...

JERICHO, N.Y., Feb. 2, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), today announced an increase to its regular quarterly dividend by 14% to $0.20 per share of common stock, payable on March 2, 2026, to each stockholder of record on February 13, 2026. "Our dividend increase reflects the strength of our balance sheet and confidence in Esquire's long-term outlook," said ...

We recently compiled a list of the 9 High Growth Small Cap Stocks That Are Profitable. The sixth stock on our list of high growth stocks is Esquire Financial Holdings, Inc. TheFly reported on January 23 that Keefe, Bruyette & Woods raised its price target for ESQ to $85 from $80 while maintaining a Market Perform rating. The firm noted that the company’s core net interest income came in broadly in line with expectations. Keefe, Bruyette & Woods Lift Esquire Financial Holdings, Inc. (ESQ) Target After In- ...

Esquire Financial Holdings, Inc. (ESQ) came out with quarterly earnings of $1.55 per share, missing the Zacks Consensus Estimate of $1.56 per share. This compares to earnings of $1.37 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -0.32%. A quarter ago, it was expected that this company would post earnings of $1.46 per share when it actually produced earnings of $1.47, delivering a surprise of +0.68%.Over the last four quarte ...

Financial Performance - Net income for Q4 2025 increased 14.6% to $13.5 million, or $1.55 per diluted share, compared to $11.8 million, or $1.37 per diluted share in Q4 2024[1]. - For the full year 2025, net income rose 16.4% to $50.8 million, or $5.87 per diluted share, compared to $43.7 million, or $5.14 per diluted share in 2024[14]. - Total revenue for 2025 increased by $21.7 million, or 17.4%, to $146.6 million compared to 2024[1]. - Noninterest income for Q4 2025 was stable at $6.1 million, representing 16% of total revenue, with payment processing income at $5.1 million[6]. - Noninterest income totaled $25.1 million, consistent with 2024, while payment processing income decreased by $660 thousand to $20.2 million[17]. - Net interest income rose to $121,481,000 in 2025, compared to $99,929,000 in 2024, reflecting an increase of about 21.5%[37]. Asset and Loan Growth - Average loans grew $122.9 million, or 31.8% annualized, to $1.66 billion on a linked quarter basis, with total loans increasing $361.4 million, or 25.9%, for the full year 2025[1]. - Total assets increased by $473.2 million, or 25.0%, to $2.37 billion, driven by a $361.4 million, or 25.9%, growth in loans[23]. - Loans held for investment rose to $1,758,427 thousand, an increase of 13.63% from $1,546,980 thousand in the previous quarter[33]. - Average balance of loans held for investment grew to $1,511,997,000 in 2025, up from $1,258,914,000 in 2024, an increase of approximately 19.9%[37]. Deposit Growth - Core deposits increased by $428.7 million, or 26.3%, to $2.06 billion for the full year 2025[1]. - Total deposits reached $2.06 billion as of December 31, 2025, a $420.8 million, or 25.6%, increase from 2024[25]. - Total deposits reached $2,063,007 thousand, an increase of 9.76% from $1,879,440 thousand in the previous quarter[33]. - Average balance of savings, NOW, and money market deposits rose to $1,231,143,000 in 2025 from $945,899,000 in 2024, an increase of approximately 30.2%[37]. Efficiency and Expenses - The efficiency ratio for Q4 2025 was 48.4%, compared to 47.5% in Q4 2024, indicating continued investment in growth and client service[12]. - Noninterest expense increased by $10.4 million, or 17.1%, to $71.2 million, primarily due to higher employee compensation and benefits, which rose by $4.5 million, or 11.8%[18]. - The efficiency ratio was 48.6% for the year ended December 31, 2025, slightly improved from 48.7% in 2024[19]. - The efficiency ratio improved to 48.4% for the three months ended December 31, 2025, compared to 48.9% in the previous quarter, indicating better cost management[35]. Tax and Provision for Credit Losses - The effective tax rate for Q4 2025 was 22.8%, down from 25.0% in the prior year quarter, due to discrete tax benefits related to share-based compensation[13]. - The provision for credit losses was $2.9 million for Q4 2025, a $1.2 million increase from Q4 2024, reflecting significant loan growth[9]. - The provision for credit losses was $9.7 million for the year ended December 31, 2025, a $5.0 million increase from 2024, with an allowance to loans ratio of 1.37% compared to 1.50% in 2024[16]. - The provision for credit losses increased to $2,900 thousand for the three months ended December 31, 2025, compared to $1,750 thousand in the previous quarter, indicating a rise of 65.71%[35]. Capital and Equity - Stockholders' equity increased by $52.5 million to $289.6 million, primarily due to net increases in retained earnings[28]. - The bank remains well above regulatory "Well Capitalized" standards[29]. - Stockholders' equity increased to $261,822,000 in 2025 from $216,743,000 in 2024, representing a growth of about 20.8%[37]. Interest Margin and Rates - Net interest margin was resilient at 6.05% for Q4 2025 and 6.02% for the full year 2025, despite declines in short-term market interest rates[1]. - Average yield on total interest earning assets improved to 6.91% in 2025 from 6.88% in 2024[37]. - Net interest margin slightly decreased to 6.02% in 2025 from 6.06% in 2024[37]. Other Financial Metrics - Cash dividends paid per common share remained stable at $0.175 for both the current and previous quarters[35]. - Off-balance sheet sweep funds totaled approximately $736.6 million, with $449.0 million, or 61.0%, available to be swept on balance sheet[26]. - Total interest earning assets reached $2,018,146,000 in 2025, up from $1,648,433,000 in 2024, marking a growth of approximately 22.5%[37].

Significant Commercial Loan and Deposit Growth Nationally Positions Esquire for Continued Success in 2026 JERICHO, N.Y., Jan. 22, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), (collectively "Esquire") today announced its operating results for the fourth quarter and full year 2025. Significant achievements and key performance metrics during the current quarter and year i ...

Ensuring our Clients and Our Institution Succeed Boldly Esquire Financial Holdings, Inc. (Financial Holding Company for Esquire Bank, N.A.) 4Q & Full Year 2025 Investor Presentation Listed as ESQ Forward Looking Disclosure This presentation contains forward-looking statements within the meaning of the federal securities laws. Forward-looking statements are not historical fact and express management's current expectations, forecasts of future events or long-term goals and, by their nature, are subject to ass ...

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Core Insights - Esquire Financial Holdings, Inc. has been recognized as one of the top-performing small-cap banks in the country by Piper Sandler, being named to the 2025 Bank & Thrift Sm-All Stars list [1][2]. Group 1: Recognition and Performance - Esquire is one of only 24 institutions out of 316 publicly traded banks and thrifts to achieve elite status based on growth, profitability, credit quality, and balance sheet strength [2]. - The recognition marks Esquire's third appearance on the Sm-All Stars list, placing it among the top 10% of publicly held institutions with market capitalizations between $50 million and $2.5 billion [3]. Group 2: Company Overview - Esquire Financial Holdings, Inc. is headquartered in Jericho, New York, with additional branch offices in Los Angeles, California, and an administrative office in Boca Raton, Florida [4]. - The company's subsidiary, Esquire Bank, provides full-service commercial banking tailored to the litigation industry and small businesses, as well as commercial and retail customers in the New York metropolitan area [4].

Core Viewpoint - Esquire Financial Holdings, Inc. (ESQ) has been upgraded to a Zacks Rank 2 (Buy), indicating a positive trend in earnings estimates which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Impact - The Zacks rating system is based on changes in earnings estimates, which are strongly correlated with stock price movements, particularly due to institutional investors adjusting their valuations based on these estimates [4][6]. - An increase in earnings estimates typically leads to higher fair value for a stock, prompting institutional investors to buy or sell, thus affecting stock prices [4]. Company Performance Indicators - Esquire Financial is projected to earn $5.88 per share for the fiscal year ending December 2025, showing no year-over-year change [8]. - Over the past three months, the Zacks Consensus Estimate for Esquire Financial has increased by 4.8%, indicating a positive revision trend [8]. Zacks Rating System Overview - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 (Strong Buy) stocks historically generating an average annual return of +25% since 1988 [7]. - The upgrade of Esquire Financial to a Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [10].