10-Q · May 11, 2026
Esquire Financial Holdings reported solid financial results for Q1 2026, with revenue reaching $40,459,000, which is 10.2% higher than the estimated $36,706,000. Diluted EPS also beat expectations at $1.58 versus the…
Earnings analysis · 10-Q
ESQ earnings analysis
Filed August 10, 2026 · Our reading of the company's report
The latest report
The extracted 10-Q provides limited operating detail but indicates second-quarter revenue of $42.131 million and diluted EPS of $1.60, both above the prior-year quarter’s $40 million revenue and $1.38 EPS. The filing…
Read full summary
The extracted 10-Q provides limited operating detail but indicates second-quarter revenue of $42.131 million and diluted EPS of $1.60, both above the prior-year quarter’s $40 million revenue and $1.38 EPS. The filing does not provide current gross margin, operating margin, cash flow, balance-sheet, segment, or quantitative guidance data in the supplied text. Controls were deemed effective, no material litigation was identified, and management reported no material changes to previously disclosed risk factors.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.6
What stood out
-
Revenue and EPS grew year over year
Second-quarter revenue was $42.131 million and diluted EPS was $1.60. Revenue increased from $40 million in 2025 Q2, while EPS increased from $1.38, based on the supplied quarterly history.
-
Repurchase capacity preserved
The company repurchased no shares under its public program during April, May, or June 2026, leaving 257,694 shares available under the authorization as of June 30, 2026.
-
Controls assessed as effective
Management concluded that disclosure controls and procedures were effective as of June 30, 2026, and reported no control changes that materially affected, or were reasonably likely to materially affect, internal control over financial reporting.
-
No material litigation identified
At June 30, 2026, the company reported that it was not party to any pending legal proceedings expected to have a material adverse effect on financial condition, results of operations, or cash flows.
What to watch
-
No updated post-acquisition risk detail
The filing states there were no material changes to the risk factors previously disclosed in the December 31, 2025 Form 10-K and the March 31, 2026 Form 10-Q. Accordingly, the 10-Q does not provide an updated assessment of risks associated with the August 1, 2026 Signature acquisition.
-
No open-market repurchases
No shares were repurchased under the company’s 300,000-share program during the three months ended June 30, 2026, while 257,694 shares remained available. This may limit near-term capital-return support relative to the full authorization.
-
Equity-plan share withholding
Participants in stock-based incentive plans had 1,340 shares withheld for taxes in June 2026 at an average price of $114.71 per share. Continued equity-plan withholding can modestly offset share-count reduction from repurchases.
Management's outlook
No quantitative revenue or EPS outlook was provided in the extracted 10-Q. The filing contains no forward guidance discussion; the August 1, 2026 Signature acquisition was disclosed separately in the prior 8-K.
Earlier filings 4
10-K · March 13, 2026
Esquire reported a strong 2025 operating year driven by its litigation-focused commercial lending and payment processing platforms: net income was $50.8 million (EPS $5.87) with a 6.02% net interest margin and loans…
10-Q · November 13, 2024
Esquire Financial reported a strong Q3 with revenue (net interest income + noninterest income) of $31,920,000 and diluted EPS of $1.34, both up versus the year-ago quarter. Loan balances and deposits expanded materially…
10-Q · November 9, 2023
Esquire Financial reported a strong quarter: total revenue (net interest income plus noninterest income) of $28,253,000 and diluted EPS of $1.17, both materially above the year-ago quarter. Loan growth drove higher…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.