NASDAQ$ESQ
Esquire Financial Holdings Inc · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Reported record earnings and returns driven by loan and revenue growth
Esquire Financial Holdings, Inc. reported a strong fourth quarter and full year of 2021, driven by loan and revenue growth. Net income for the quarter was $6.7 million, or $0.83 per diluted share, and total assets reached $1.2 billion.
- Net income of $6.7 million, or $0.83 per diluted share.
- Returns on average assets and common equity of 2.44% and 19.19%, respectively.
- Loans held for investment increased $40.4 million, or 22% annualized, to $784.5 million.
- Deposits increased $51.4 million on a linked quarter basis, or 21% annualized, to $1.0 billion.
Headline financials
Revenue & EPS history
Esquire Financial · Revenue · Quarterly
$16.9M
Forward guidance
Company believes that digital platforms are key to future success and will play a significant role in 2022. Sales pipeline remains robust, driven by current and future digital marketing and technology development plans as well as employees that will support future growth plans.
Tailwinds
- Investments in brand, digital platform, and sales strategy will continue to yield strong growth and returns.
- Digital marketing platform has contributed to more than half of the commercial loan originations.
- Digital platforms are key to the Company’s future success and will play a significant role in 2022.
- Sales pipeline remains robust, driven by current and future digital marketing and technology development plans.
- Employees will support future growth plans.
Headwinds
- Changes in business plans as circumstances warrant.
- Changes in general economic, business and political conditions, including changes in the financial markets
- The demand for our products and services may decline, making it difficult to grow assets and income.
- If the economy worsens, loan delinquencies, problem assets, and foreclosures may increase.
- Collateral for loans, especially real estate, may decline in value.
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 Q4 2021
+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
| Quarter | Report date | Reaction (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 | — | — | — |
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