Esquire Financial (ESQ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Esquire Financial Holdings, Inc. reported a revenue of $35.83 million for the quarter ended June 2025, reflecting a year-over-year increase of 17.1% and surpassing the Zacks Consensus Estimate by 3.69% [1] - The company's EPS for the quarter was $1.38, consistent with the consensus estimate, showing no EPS surprise [1] Financial Performance Metrics - The efficiency ratio was reported at 47.6%, better than the average estimate of 48.9% from two analysts [4] - The net interest margin stood at 6%, matching the average estimate from two analysts [4] - Total interest-earning assets reached $1.95 billion, exceeding the average estimate of $1.9 billion [4] - Payment processing fees amounted to $5.11 million, higher than the average estimate of $4.95 million [4] - Total non-interest income was reported at $6.58 million, surpassing the average estimate of $6.12 million [4] - Net interest income was $29.25 million, compared to the average estimate of $28.45 million [4] Stock Performance - Esquire Financial's shares have returned +14.1% over the past month, outperforming the Zacks S&P 500 composite's +5.7% 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]