Core Insights - Esquire Financial Holdings, Inc. reported $33.76 million in revenue for Q1 2025, a year-over-year increase of 15.4% [1] - The company's EPS for the same period was $1.33, up from $1.20 a year ago, exceeding the consensus estimate of $1.30 [1] - The revenue surpassed the Zacks Consensus Estimate of $32.88 million, resulting in a surprise of +2.68% [1] Financial Performance Metrics - Efficiency ratio stood at 49.6%, matching the average estimate based on two analysts [4] - Net Interest Margin was reported at 6%, compared to the average estimate of 5.9% [4] - Total Interest Earning Assets reached $1.88 billion, exceeding the average estimate of $1.85 billion [4] - Payment processing fees were $4.91 million, slightly below the average estimate of $5.06 million [4] - Total Non-Interest Income was $6.15 million, slightly above the average estimate of $6.12 million [4] - Net Interest Income amounted to $27.61 million, surpassing the average estimate of $26.76 million [4] Stock Performance - Esquire Financial's shares returned +9.5% over the past month, outperforming the Zacks S&P 500 composite, which declined by -5.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]
Compared to Estimates, Esquire Financial (ESQ) Q1 Earnings: A Look at Key Metrics