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].

Loans and Credit Losses - As of September 30, 2025, total loans held for investment amounted to $1,546.7 million, an increase from $1,396.8 million as of December 31, 2024, representing a growth of approximately 10.7%[34] - The allowance for credit losses increased to $21.1 million as of September 30, 2025, compared to $19.5 million as of September 30, 2024, reflecting a rise of about 8.5%[34] - The total real estate loans increased to $481.0 million as of September 30, 2025, from $456.9 million as of December 31, 2024, marking a growth of approximately 5.3%[34] - The total loans not past due as of September 30, 2025, were $1,538,076 million, compared to $1,385,832 million as of December 31, 2024, representing an increase of about 11%[36] - The credit risk profile indicates that as of September 30, 2025, the total loans classified as "Pass" amounted to $1,511,852 million, which is an increase from the previous year[42] - The company reported current period gross charge-offs of $6,661 million for the nine months ending September 30, 2025, compared to $3,250 million for the same period in 2024, reflecting an increase of 104.5%[42] - The total ending allowance balance for credit losses for the commercial segment as of September 30, 2025, was $13,982 million, up from $14,689 million in the previous year[35] - The company has categorized loans into risk categories, with "Special Mention" loans totaling $26,482 million as of September 30, 2025, indicating potential weaknesses[38] - The total past due loans as of September 30, 2025, amounted to $8,650 million, compared to $10,942 million as of December 31, 2024, showing a decrease of approximately 20.9%[36] - The provision for credit losses for the nine months ending September 30, 2025, was $6,775 million, compared to $3,000 million for the same period in 2024, indicating a significant increase of 125.8%[35] Securities and Investments - The total available-for-sale securities decreased to $265.1 million as of September 30, 2025, down from $271.0 million as of December 31, 2024, indicating a decline of approximately 2.9%[26] - The total unrealized losses on available-for-sale securities amounted to $14.4 million as of September 30, 2025, compared to $19.0 million as of December 31, 2024, showing a reduction of approximately 24.5%[31] - The company reported no allowance for credit losses on available-for-sale securities due to high credit quality as of September 30, 2025[32] - The fair value of securities pledged to the Federal Reserve Bank of New York was $50.5 million as of September 30, 2025, with borrowing capacity totaling $48.9 million[30] - The fair value measurement for securities held-to-maturity was $57,202,000 as of September 30, 2025, down from $60,931,000 at the end of 2024[72] - The fair value of available-for-sale securities was $265,132 thousand, up from $241,746 thousand as of December 31, 2024[70] Financial Performance - For the three months ended September 30, 2025, net income was $14,057 thousand, an increase of 23.5% compared to $11,360 thousand for the same period in 2024[60] - Basic earnings per share for the three months ended September 30, 2025, was $1.74, up 20% from $1.45 in 2024[60] - The company reported total noninterest income of $18.961 million for the nine months ended September 30, 2025, compared to $18.726 million for the same period in 2024, reflecting a year-over-year increase of 1.3%[50] Cash and Deposits - As of September 30, 2025, cash and cash equivalents amounted to $240,759,000, an increase from $126,329,000 on December 31, 2024[72] - Total demand and other deposits were $1,873,383,000 as of September 30, 2025, up from $1,628,132,000 at the end of 2024[72] - Time deposits decreased to $6,057,000 as of September 30, 2025, from $14,104,000 at the end of 2024[72] Lease Commitments and Expenses - The company had an additional future operating lease commitment for its future corporate headquarters of approximately $24 million, expected to commence no earlier than Q4 2026[65] - Total operating lease payments as of September 30, 2025, amounted to $3,005 thousand, with a present value of operating lease liabilities of $2,450 thousand[64] - The weighted-average remaining lease term increased to 6.30 years as of September 30, 2025, compared to 2.17 years in 2024[66] - The company recognized total lease costs of $227 thousand for the three months ended September 30, 2025, compared to $192 thousand in 2024, representing an 18.2% increase[66] Compensation and Stock - The intrinsic value for outstanding options, net of expected forfeitures, was $25.6 million at September 30, 2025[57] - The company recognized compensation expense related to options of $188 thousand for the three months ended September 30, 2025, compared to $178 thousand for the same period in 2024[57] - The company recognized compensation expense related to restricted stock of $975 thousand for the three months ended September 30, 2025, compared to $755 thousand in 2024, reflecting a 29.1% increase[58] - As of September 30, 2025, total unrecognized compensation cost related to nonvested shares was $11.1 million, expected to be recognized over a weighted-average period of 3.51 years[58] - The company granted 35,626 shares of restricted stock with a fair value of $89.90 during the nine months ended September 30, 2025[58] Internal Controls - The company reported no changes in internal controls over financial reporting that materially affected the effectiveness of these controls during the quarter ended September 30, 2025[180] - The company’s disclosure controls and procedures were concluded to be effective as of September 30, 2025[180]

Core Insights - Esquire Financial Holdings, Inc. reported quarterly earnings of $1.47 per share, exceeding the Zacks Consensus Estimate of $1.46 per share, and up from $1.34 per share a year ago, representing an earnings surprise of +0.68% [1] - The company posted revenues of $37.57 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 3.60%, compared to $31.92 million in the same quarter last year [2] - Esquire Financial shares have increased approximately 27.8% year-to-date, outperforming the S&P 500's gain of 13.9% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.46 on revenues of $36.73 million, and for the current fiscal year, it is $5.61 on revenues of $142.37 million [7] - The estimate revisions trend for Esquire Financial was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Zacks Industry Rank for Banks - Northeast, to which Esquire Financial belongs, is currently in the top 24% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8] - Another company in the same industry, MainStreet Bank, is expected to report quarterly earnings of $0.51 per share, reflecting a year-over-year change of +1375%, with revenues projected at $18.9 million, up 16.5% from the previous year [9]