NASDAQ$ESQ

Esquire Financial Holdings Inc · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Esquire Financial reported Q1 2025, revenue of $35M, net income of $11.4M, diluted EPS of $1.25.

For Q1 2025, Esquire Financial reported revenue of $35M, net income of $11.4M, diluted EPS was $1.25. Management discusses operating trends, capital, and sector risks in the quarterly filing.

  • Q1 2025 revenue $35M.
  • Net income $11.4M.
  • Diluted EPS $1.25.

Headline financials

Total Revenue

$33.8M

Previous: $29.3M+15.4%
EPS (adj)

$1.25

Previous: $1.20+4.2%
Return on Avg. Assets

2.4%

Previous: 2.6%-7.7%
Return on Avg. Equity

19.1%

Previous: 20.1%-5.0%
Net Interest Margin

6.0%

Previous: 6.1%-1.7%
Efficiency Ratio

49.6%

Previous: 49.8%-0.4%
NPLs to Total Loans

0.6%

Previous: 0.9%-36.0%
NPAs to Total Assets

0.4%

Previous: 0.7%-37.9%
Allowance to NPLs

243.0%

Previous: 160.0%+51.9%
Allowance to Loans

1.4%

Previous: 1.4%-4.2%
CET1 Capital Ratio

15.2%

No prior period
Tier 1 Leverage Ratio

12.0%

Previous: 12.4%-3.3%
Tier 1 Capital Ratio

15.2%

Previous: 14.4%+5.8%
Total Capital Ratio

16.5%

Previous: 15.7%+5.3%
TCE to TA

12.8%

No prior period
Capital Expenditures

-$1.15M

Previous: -$235K-390.2%
Net Income

$11.4M

Previous: $10.1M+13.4%
Operating Income

$15.5M

Previous: $20.1M-22.8%

Revenue & EPS history

Esquire Financial · Revenue · Quarterly

$33.8M

Q1 2025+15.4%vs Q1 2024
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Forward guidance

Regional banks discuss net interest margin, credit quality, and capital returns rather than long-range EPS guidance in the 10-Q.

Tailwinds

  • Net interest income and margin trends when rates cooperate.
  • Deposit franchise and liquidity strength.
  • Dividend capacity from earnings.

Headwinds

  • Credit provision and loan growth uncertainty.
  • Interest rate and funding cost pressure.
  • Commercial real estate exposure where applicable.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+2.1%

Avg return

Earnings day

+2.1%

Avg return

5 days after

+4.8%

Avg return

30 days after

71%

29 / 41 earnings

Positive

+11.5%

Q4 2017

Best reaction

-3.4%

Q2 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+4.3%-2.9%+0.7%
Q4 2025+0.8%-0.3%-2.0%
Q3 2025+1.1%-2.3%-1.4%
Q2 2025-1.3%-3.1%-1.8%
Q1 2025+2.6%+4.7%+8.7%
Q4 2024-3.2%-3.6%-11.3%
Q3 2024+2.8%+7.3%+21.8%
Q2 2024+3.6%+4.4%+7.0%
Q1 2024+4.6%+0.2%+0.3%
Q4 2023+6.9%+9.1%+1.2%
Q3 2023+2.0%+5.3%+4.5%
Q2 2023+3.6%+1.1%-4.8%
Q1 2023+2.8%+4.3%+14.8%
Q4 2022+6.6%+8.3%+10.3%
Q3 2022+7.7%+10.8%+15.3%
Q2 2022+8.4%+5.6%+13.2%
Q1 2022-2.9%-3.8%-2.9%
Q4 2021+4.4%+2.5%+4.3%
Q3 2021-1.0%+0.1%+9.7%
Q2 2021+2.7%+1.6%+8.9%
Q1 2021-0.5%-0.7%+5.2%
Q4 2020-0.4%-12.0%-9.3%
Q3 2020+1.8%-8.1%+8.9%
Q2 2020-1.5%-3.1%+3.5%
Q1 2020+4.5%+12.8%+14.1%
Q4 2019-2.4%-1.0%+1.0%
Q3 2019+4.7%+6.4%+6.2%
Q2 2019+3.5%+7.2%-4.8%
Q1 2019+6.0%+12.5%+2.1%
Q4 2018-3.1%-0.9%+7.4%
Q3 2018+4.4%+3.8%+11.2%
Q2 2018+0.0%-4.1%+1.9%
Q1 2017-0.1%-0.6%+9.3%
Q1 2018-2.7%-2.5%+0.5%
Q4 2016+2.2%+0.9%-1.0%
Q4 2015+2.2%+0.9%-1.0%
Q4 2017+11.5%+18.2%+19.2%
Q3 2016+1.0%+1.5%+18.1%
Q3 2017+2.3%+2.9%+11.5%
Q2 2016-3.4%-0.5%-6.6%
Q2 2017+1.4%+1.7%+3.8%
Q1 2016
Q3 2015
Q2 2015
Q1 2015

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro