Esquire Financial Holdings, Inc. (ESQ) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 34M | 33.28M | 31.34M | 29.25M | 27.61M | 26.89M | 25.86M | 24.32M | 22.86M | 22.67M | 21.73M | 20.09M | 19.29M | 18.34M | 15.55M | 13.67M | 11.79M | 11.7M | 11.28M | 10.67M |
| NII Growth % | 23.16% | 23.78% | 21.2% | 20.28% | 20.76% | 18.6% | 19.02% | 21.07% | 18.53% | 23.61% | 39.74% | 46.92% | 63.66% | 56.75% | 37.78% | 28.18% | 17.24% | 18.39% | 22.56% | 16.3% |
| Net Interest Margin % | 1.4% | 1.41% | 1.43% | 1.42% | 1.41% | 1.42% | 1.45% | 1.42% | 1.38% | 1.4% | 1.47% | 1.38% | 1.33% | 1.31% | 1.15% | 1.04% | 0.95% | 0.99% | 1% | 1.01% |
| Interest Income | 39.03M | 38.24M | 36.13M | 33.54M | 31.51M | 30.78M | 29.13M | 27.39M | 26.07M | 25.57M | 23.9M | 22.05M | 20.36M | 19.05M | 15.96M | 13.96M | 12.02M | 11.93M | 11.49M | 10.86M |
| Interest Expense | 5.03M | 4.96M | 4.79M | 4.28M | 3.9M | 3.9M | 3.27M | 3.06M | 3.21M | 2.9M | 2.18M | 1.97M | 1.08M | 713K | 413K | 282K | 238K | 231K | 209K | 193K |
| Loan Loss Provision | 0 | 0 | 1.75M | 3.52M | 1.5M | 1.7M | 1M | 1M | 1M | 1.5M | 1.2M | 1.32M | 500K | 1.35M | 650K | 850K | 640K | 555K | 3.75M | 850K |
| Non-Interest Income | 6.46M | 6.12M | 6.23M | 6.58M | 6.15M | 6.17M | 6.06M | 6.28M | 6.39M | 6.27M | 6.53M | 6.7M | 10.26M | 6.78M | 6.43M | 6.21M | 5.5M | 5.17M | 4.92M | 5.47M |
| Non-Interest Income % | 14.19% | 13.8% | 14.71% | 16.4% | 16.33% | 16.69% | 17.23% | 18.64% | 19.68% | 19.68% | 21.45% | 23.29% | 33.51% | 26.25% | 28.72% | 30.79% | 31.39% | 30.23% | 29.99% | 33.48% |
| Total Revenue | 45.49M | 44.36M | 42.36M | 40.11M | 37.66M | 36.95M | 35.19M | 33.66M | 32.46M | 31.83M | 30.43M | 28.75M | 30.63M | 25.84M | 22.39M | 20.16M | 17.53M | 17.1M | 16.42M | 16.33M |
| Revenue Growth % | 20.77% | 20.03% | 20.38% | 19.17% | 16.02% | 16.08% | 15.66% | 17.08% | 5.99% | 23.22% | 35.89% | 42.58% | 74.75% | 51.09% | 36.4% | 23.5% | 11.55% | 15.67% | 22.7% | 31.45% |
| Non-Interest Expense | 23.36M | 19.1M | 18.36M | 17.06M | 16.75M | 15.69M | 15.36M | 15.23M | 14.57M | 13.9M | 13.76M | 12.98M | 12.48M | 11.37M | 10.84M | 10.39M | 9.38M | 8.75M | 9.01M | 9.12M |
| Efficiency Ratio | 51.35% | 43.06% | 43.34% | 42.53% | 44.47% | 42.45% | 43.64% | 45.25% | 44.88% | 43.67% | 45.22% | 45.13% | 40.75% | 44.01% | 48.4% | 51.53% | 53.52% | 51.18% | 54.86% | 55.84% |
| Operating Income | 17.1M | 20.3M | 17.46M | 15.24M | 15.51M | 15.67M | 15.56M | 14.37M | 13.68M | 13.54M | 13.29M | 12.48M | 16.57M | 12.4M | 10.49M | 8.64M | 7.27M | 7.56M | 3.45M | 6.17M |
| Operating Margin % | 37.6% | 45.76% | 41.22% | 38% | 41.19% | 42.41% | 44.22% | 42.68% | 42.15% | 42.52% | 43.69% | 43.42% | 54.1% | 48% | 46.85% | 42.85% | 41.47% | 44.22% | 21.02% | 37.77% |
| Operating Income Growth % | 10.25% | 29.53% | 12.21% | 6.12% | 13.36% | 15.77% | 17.06% | 15.08% | -17.42% | 9.14% | 26.72% | 44.46% | 127.99% | 63.99% | 204% | 40.12% | 31.45% | 43.19% | -29.66% | 78.96% |
| Pretax Income | 17.1M | 17.4M | 17.46M | 15.24M | 15.51M | 15.67M | 15.56M | 14.37M | 13.68M | 13.54M | 13.29M | 12.48M | 16.57M | 12.4M | 10.49M | 8.64M | 7.27M | 7.56M | 3.45M | 6.17M |
| Pretax Margin % | 37.6% | 39.22% | 41.22% | 38% | 41.19% | 42.41% | 44.22% | 42.68% | 42.15% | 42.52% | 43.69% | 43.42% | 54.1% | 48% | 46.85% | 42.85% | 41.47% | 44.22% | 21.02% | 37.77% |
| Income Tax | 4.89M | 3.9M | 3.4M | 3.35M | 4.11M | 3.92M | 4.2M | 3.88M | 3.63M | 3.65M | 3.46M | 3.37M | 4.39M | 3.29M | 2.78M | 2.29M | 1.93M | 832K | 932K | 1.67M |
| Effective Tax Rate % | 28.6% | 22.4% | 19.5% | 22% | 26.46% | 25% | 27% | 27% | 26.5% | 26.99% | 26% | 27% | 26.5% | 26.51% | 26.5% | 26.5% | 26.5% | 11% | 27.01% | 27% |
| Net Income | 12.21M | 13.5M | 14.06M | 11.89M | 11.41M | 11.75M | 11.36M | 10.49M | 10.06M | 9.88M | 9.84M | 9.11M | 12.18M | 9.11M | 7.71M | 6.35M | 5.34M | 6.73M | 2.52M | 4.5M |
| Net Margin % | 26.84% | 30.44% | 33.18% | 29.64% | 30.29% | 31.81% | 32.28% | 31.16% | 30.98% | 31.04% | 32.33% | 31.7% | 39.77% | 35.28% | 34.44% | 31.5% | 30.48% | 39.36% | 15.34% | 27.57% |
| Net Income Growth % | 7.05% | 14.86% | 23.74% | 13.38% | 13.41% | 18.93% | 15.48% | 15.08% | -17.42% | 8.43% | 27.57% | 43.49% | 127.99% | 35.42% | 206.11% | 41.07% | 27.98% | 73.36% | -30.14% | 77.73% |
| Net Income (Continuing) | 12.21M | 13.5M | 14.06M | 11.89M | 11.41M | 11.75M | 11.36M | 10.49M | 10.06M | 9.88M | 9.84M | 9.11M | 12.18M | 9.11M | 7.71M | 6.35M | 5.34M | 6.73M | 2.52M | 4.5M |
| EPS (Diluted) | 1.40 | 1.55 | 1.62 | 1.38 | 1.33 | 1.37 | 1.34 | 1.25 | 1.20 | 1.18 | 1.17 | 1.10 | 1.47 | 1.10 | 0.94 | 0.78 | 0.66 | 0.83 | 0.32 | 0.57 |
| EPS Growth % | 5.26% | 13.14% | 20.9% | 10.4% | 10.83% | 16.1% | 14.53% | 13.64% | -18.37% | 7.27% | 24.47% | 41.03% | 122.73% | 32.53% | 193.75% | 36.84% | 24.53% | 62.75% | -33.33% | 72.73% |
| EPS (Basic) | 1.48 | 1.55 | 1.74 | 1.48 | 1.43 | 1.49 | 1.45 | 1.34 | 1.29 | 1.28 | 1.27 | 1.18 | 1.58 | 1.19 | 1.01 | 0.83 | 0.70 | 0.89 | 0.34 | 0.60 |
| Diluted Shares Outstanding | 8.7M | 8.71M | 8.65M | 8.62M | 8.6M | 8.5M | 8.5M | 8.4M | 8.4M | 8.39M | 8.38M | 8.3M | 8.3M | 8.3M | 8.23M | 8.18M | 8.15M | 8.11M | 7.95M | 7.9M |