)
Visual
test
Esquire Financial Holdings
Esquire Financial Holdings (ESQ) investor relations material
Esquire Financial Holdings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved strong growth in national litigation and payment processing verticals, leveraging a branchless, tech-enabled model and industry-leading returns.
Net income rose 16.4% to $50.8M for 2025, with diluted EPS reaching $5.87, a 27% CAGR since 2021.
Focused on client-centric technology, digital marketing, and AI-driven client acquisition to fuel future growth.
Recognized with multiple industry awards for performance, growth, and marketing excellence in 2024 and 2025, including Piper Sandler Bank & Thrift Sm-All Stars and Fortune's 100 Fastest-Growing Companies.
Financial highlights
Net loans grew at a 22% CAGR since 2021, reaching $1.76 billion at year-end 2025, with commercial litigation loans up $342.5M (41.0%).
Total deposits increased at a 19% CAGR to $2.4 billion, with core deposits up 26.3% to $2.06B and off-balance sheet sweep funds up 33% to $736.6M.
Net interest margin remained industry-leading at 6.02% for 2025.
Fee income, primarily from payment processing, represented 17% of total revenue.
Efficiency ratio was 48.6% for 2025.
Outlook and guidance
Positioned for continued disruption and growth in the $529 billion litigation and $11.7 trillion payment processing markets.
Management expects continued growth in litigation and payments verticals, leveraging technology and client service.
Some moderation in Q1 2026 loan and deposit growth anticipated due to expected paydowns and disbursements.
Merchant profile changes impacting payment growth?
What drove the ACL to loans ratio decline?
Quantify expected Q1 2026 loan/deposit paydowns.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- ABFRL
Q3 FY26 net losses persisted despite revenue growth, amid restructuring and regulatory costs. - TRACXN
Q3 FY26 revenue was INR 21 crore with a net loss, but customer and account growth remained strong. - DWNI
Stabilized real estate values, strong rental demand, and major transactions drive results. - OCUL
Net loss widened in 2025 as clinical trials advanced, but cash runway extends into 2028. - VARROC
Revenue and EBITDA margin rose YoY, but exceptional costs and legal disputes weighed on profit. - PRIC
Record Q4 order intake, new contracts, and improved cash flow despite lower sales and profits. - ENSI
Record revenue growth, positive EBITDA, and strong outlook with cash flow positivity expected by end-2026. - DWNIStable rental growth, Care segment sale, and positive 2025 outlook despite lower EBT.
- JUBLINGREA
Volume growth in specialty and nutrition offset pricing headwinds; net debt down 20% YoY. - TRI
Strong organic growth, margin expansion, and capital returns set the stage for 2026 targets.
Next Esquire Financial Holdings earnings date
Q1 202624 Apr, 2026
Esquire Financial Holdings
Next Esquire Financial Holdings earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Esquire Financial Holdings, Inc. operates as a bank holding company through its subsidiary, Esquire Bank, National Association, specializing in commercial banking products and services targeted towards the legal industry, small businesses, and commercial and retail customers across the United States. Its offerings encompass a variety of banking products including checking, savings, money market, and time deposits, alongside certificates of deposit. Esquire Financial Holdings provides a suite of loan services, such as commercial loans for operating needs, commercial lines of credit, consumer loans for various personal needs including debt consolidation and medical expenses, and real estate loans covering multifamily, residential, commercial real estate, and construction projects. Additionally, the company offers merchant services. The company is headquartered in Jericho, New York, and its shares are listed on the Nasdaq.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage