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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.
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Next Esquire Financial Holdings earnings date
Q1 202624 Apr, 2026
Esquire Financial Holdings
Next Esquire Financial Holdings earnings date
Q1 202624 Apr, 2026
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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.
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