ESQ earnings analysis
What we found in ESQ's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
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.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- 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.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- 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.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $1.6
What they said about what is next.
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.
The filing reads about the same as the one before it.
What came before.
- 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…
- 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. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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