Core Insights - Esquire Financial Holdings, Inc. reported a revenue of $33.06 million for the quarter ended December 2024, reflecting a year-over-year increase of 14.2% [1] - The earnings per share (EPS) for the quarter was $1.37, up from $1.18 in the same quarter last year, although it fell short of the consensus estimate of $1.40 by 2.14% [1] - The revenue exceeded the Zacks Consensus Estimate by 0.52% [1] Financial Performance Metrics - The efficiency ratio was reported at 47.5%, slightly higher than the estimated 46.4% [4] - Total interest-earning assets amounted to $1.82 billion, surpassing the estimated $1.75 billion [4] - The net interest margin was recorded at 5.9%, below the average estimate of 6.1% [4] - Net interest income reached $26.89 million, exceeding the average estimate of $26.78 million [4] - Payment processing fees were reported at $5.09 million, slightly below the estimated $5.20 million [4] - Total non-interest income was $6.17 million, marginally above the average estimate of $6.11 million [4] Stock Performance - Esquire Financial's shares have returned +12.5% over the past month, outperforming the Zacks S&P 500 composite's +2.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]
Esquire Financial (ESQ) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates