ESQ on Nasdaq

Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc. is an American commercial banks company, incorporated in Maryland.1 It is headquartered in Jericho, New York.1

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Last updated Oct 20, 2026.

Overview

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  • TickerESQ on Nasdaq1
  • IndustryCommercial Banks, NEC1
  • HeadquartersJericho, New York1
  • Incorporated inMD2
  • Business address100 Jericho Quadrangle, Suite 100, Jericho, Ny 117532
  • Filer categoryAccelerated filer2

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The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income45678$50.8M in 2025+259% since 2019
0$20.0M$40.0M$60.0M2019: $14.1M$14.1M20192020: $12.6M$12.6M2020−11%2021: $17.9M$17.9M2021+42%2022: $28.5M$28.5M2022+59%2023: $41.0M$41.0M2023+44%2024: $43.7M$43.7M2024+6%2025: $50.8M$50.8M2025+16%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Loans held for investment$119.6M$98.5M$81.2M
Securities, includes restricted stock$12.6M$8.6M$5.0M
Securities purchased under agreements to resell$1.5M
Interest earning cash and other$7.2M$6.3M$4.2M
Total interest income$139.4M$113.4M$91.9M
Savings, NOW and money market deposits$17.7M$12.9M$7.6M
Time deposits$280.0K$551.0K$476.0K
Borrowings$4.0K$4.0K$4.0K
Total interest expense$17.9M$13.4M$8.1M
Net interest income$121.5M$99.9M$83.8M
Provision for credit losses$9.7M$4.7M$4.5M
Net interest income after provision for credit losses$111.8M$95.2M$79.2M
Payment processing fees$20.2M$20.9M$22.3M
Administrative service income$3.0M$2.7M$2.5M
Net gain on equity investments$432.0K$4.0M
Customer related fees, service charges and other$1.4M$1.3M$955.0K
Total noninterest income$25.1M$24.9M$29.8M
Employee compensation and benefits$42.3M$37.8M$32.5M
Occupancy and equipment$4.9M$4.1M$3.4M
Professional and consulting services$5.5M$3.8M$5.4M
FDIC and regulatory assessments$1.1M$943.0K$793.0K
Advertising and marketing$3.6M$3.5M$1.8M
Travel and business relations$1.6M$966.0K$985.0K
Data processing$8.5M$6.7M$5.2M
Other operating expenses$3.7M$3.0M$3.1M
Total noninterest expense$71.2M$60.8M$53.1M
Net income before income taxes$65.7M$59.3M$55.9M
Income tax expense$14.8M$15.6M$14.9M
Net income$50.8M$43.7M$41.0M
Basic$6.30$5.58$5.31
Diluted$5.87$5.14$4.91

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Corporate structure

Esquire Financial Holdings, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Esquire Financial Holdings, Inc.

  • Mawer Investment Management Ltd. Filed SCHEDULE 13G/A on Esquire Financial Holdings, Inc., latest Aug 6, 2026 (3 filings since Feb 12, 2025)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Esquire Financial Holdings, Inc., latest Mar 26, 2026 (2 filings since Jul 29, 2025)
  • WASATCH ADVISORS LP Filed SCHEDULE 13G/A on Esquire Financial Holdings, Inc., latest Aug 14, 2025 (5 filings since Feb 11, 2022)
  • BASSWOOD CAPITAL MANAGEMENT, L.L.C. Filed SC 13G/A on Esquire Financial Holdings, Inc., latest Feb 12, 2024 (3 filings since Jan 10, 2022)
  • Pacific Ridge Capital Partners, LLC Filed SC 13G/A on Esquire Financial Holdings, Inc., latest Feb 14, 2022
  • Esquire Financial Holdings, Inc. Jericho, New York

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Esquire Financial Holdings, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Computer equipment and software$3.6M8 Dec 31, 2025$4.1M8 Dec 31, 2024−11.8%
Property and equipment, before depreciation$11.9M8 Dec 31, 2025$8.8M8 Dec 31, 2024+36.1%
Accumulated depreciation$7.5M8 Dec 31, 2025$6.3M8 Dec 31, 2024+19.3%
Property and equipment, net$4.4M8 Dec 31, 2025$2.4M8 Dec 31, 2024+79.8%
Operating-lease assets (leased space)$2.1M8 Dec 31, 2025$3.2M8 Dec 31, 2024−34.4%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$235.9M8 Dec 31, 2025$126.3M8 Dec 31, 2024+86.7%
Debt securities available for sale$246.5M8 Dec 31, 2025$241.7M8 Dec 31, 2024+2.0%
Deposits held (banks)$2.1B8 Dec 31, 2025$1.6B8 Dec 31, 2024+25.6%

Properties, in its own words

At December 31, 2025, we conducted business through our corporate headquarters, full service branches in Jericho, New York (Nassau County) and Los Angeles, California, and one administrative office in Boca Raton, Florida. All the current locations are leased properties. At December 31, 2025, the total net book value of our leasehold improvements, furniture, fixtures and equipment was approximately $4.4 million.

Item 2 of the 10-K filed Mar 13, 2026.3

Leadership

Who has led Esquire Financial Holdings, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Andrew C. Sagliocca2017–now

President

  1. Andrew C. Sagliocca2017–2026
  2. Michael G. O'Rourke2026–now

Chief financial officer

  1. Eric S. Bader2017–2018
  2. Michael Lacapria2019–now

Chief operating officer

  1. Eric S. Bader2018–now
20202025
Board members and other officers (17)

Timeline

  1. Oct 15, 20268-K Financial statements and exhibits32
  2. Aug 3, 20268-K Completed an acquisition or sale; Executive or director change; Other events33
  3. Jul 30, 20268-K Other events34
  4. Jul 23, 20268-K Results of operations; Regulation FD disclosure35
  5. Jun 24, 20268-K Shareholder vote; Other events36
  6. Jun 9, 20268-K Other events37
  7. May 28, 20268-K Shareholder vote38
  8. Apr 30, 20268-K Other events39
  9. Apr 23, 20268-K Results of operations; Regulation FD disclosure40
  10. Apr 2, 20268-K Executive or director change41
  11. Mar 12, 20268-K Entered a material agreement; Other events42
  12. Feb 2, 20268-K Other events43
  13. Jun 26, 2017New chief executive Andrew C. Sagliocca becomes CEO12

Calendar

Coming up

  1. Oct 27, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $1.47 a share, on Oct 23, 2025.44

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results35
  2. Apr 23, 2026Reported quarterly or annual results40
  3. Jan 22, 2026Reported quarterly or annual results45
  4. Oct 23, 2025Reported quarterly or annual results46
  5. Jul 24, 2025Reported quarterly or annual results47
  6. Apr 24, 2025Reported quarterly or annual results48
  7. Jan 23, 2025Reported quarterly or annual results49
  8. Oct 24, 2024Reported quarterly or annual results50

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

312 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 60 major events, 186 insider forms, 15 large holders, 31 other. The latest 20:

  1. Oct 15, 20268-K/A EDGAR
  2. Sep 21, 20264 EDGAR
  3. Sep 18, 2026144 EDGAR
  4. Sep 15, 20264 EDGAR
  5. Aug 27, 20264 EDGAR
  6. Aug 10, 20264 EDGAR
  7. Aug 10, 202610-Q EDGAR
  8. Aug 6, 20264 EDGAR
  9. Aug 6, 2026SCHEDULE 13G/A EDGAR
  10. Aug 3, 20264 EDGAR
  11. Aug 3, 20264 EDGAR
  12. Aug 3, 20263 EDGAR
  13. Aug 3, 20263 EDGAR
  14. Aug 3, 20264 EDGAR
  15. Aug 3, 20268-K EDGAR
  16. Aug 3, 2026S-8 INITIAL REGISTRATION STATEMENT FOR SECURITIES TO BE OFFERED TO EMPLOYEES PURSUAN EDGAR
  17. Jul 30, 20268-K EDGAR
  18. Jul 23, 20268-K EDGAR
  19. Jun 24, 2026425 EDGAR
  20. Jun 24, 20268-K EDGAR

The 312 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

49 open-market trades by officers, directors and large owners since October 2021: 2 buys and 47 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 18, 2026Sagliocca Andrew CVice Chairman, President & CEOSale10,000$122.73$1.2MForm 4
Jul 30, 2026Mitzman RobertDirectorSale3,000$129.60$388.8KForm 4
Mar 19, 2026Powers Richard TDirectorSale2,308$104.83$241.9KForm 4
Mar 19, 2026ZISES SELIGDirectorSale5,000$105.10$525.5KForm 4
Mar 18, 2026ZISES SELIGDirectorSale25,000$106.54$2.7MForm 4
Aug 26, 2025Melohn JosephDirectorSale9,000$100.05$900.5KForm 4
Aug 25, 2025Melohn JosephDirectorSale1,326$100.00$132.6KForm 4
Aug 22, 2025Melohn JosephDirectorSale11,000$99.90$1.1MForm 4
Aug 22, 2025ZISES SELIGDirectorSale17,000$99.71$1.7MForm 4
Jul 31, 2025ZISES SELIGDirectorSale5,000$95.39$476.9KForm 4
Apr 29, 2025ZISES SELIGDirectorSale13,000$84.09$1.1MForm 4
Apr 29, 2025Waterhouse Kevin CDirectorSale3,000$83.87$251.6KForm 4
Apr 28, 2025Kornhaber Ari PEVP and Head of Corp DevSale20,000$83.51$1.7MForm 4
Feb 28, 2025ZISES SELIGDirectorSale20,000$77.59$1.6MForm 4
Feb 6, 2025Powers Richard TDirectorSale1,427$86.99$124.1KForm 4
Dec 18, 2024Melohn JosephDirectorSale3,000$79.15$237.5KForm 4
Dec 17, 2024ZISES SELIGDirectorSale2,000$78.14$156.3KForm 4
Dec 9, 2024Nigam RenaDirectorBuy640$77.50$49.6KForm 4
Nov 29, 2024ZISES SELIGDirectorSale3,000$76.65$229.9KForm 4
Nov 26, 2024ZISES SELIGDirectorSale8,000$76.77$614.1KForm 4

All 49 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Andrew C. Sagliocca$825.0K$3.8M56
2025Ari P. Kornhaber$625.0K$2.5M56
2025Eric S. Bader$625.0K$2.1M56
2025Martin S. Korn$540.0K$1.3M56
2025Michael Lacapria$435.0K$556
2024Executive VicePresident,$600.0K$656
2024Vice ChairmanChief Executive$725.0K$656
2023Officer and President$700.0K$3.1M56
2023Head of Corporate Development$575.0K$2.0M56
2023and Chief Operating Officer$575.0K$1.8M56

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.601,624$71.7M0.0%+51,278
Mawer Investment Management Ltd.583,871$69.5M0.5%−141,343
Basswood Capital Management, L.l.c.369,416$44.0M1.9%+100,689
State Street Corp352,787$42.0M0.0%+86,513
Vanguard Capital Management LLC317,112$37.8M0.0%+5,289
Copeland Capital Management, LLC296,535$35.3M0.7%−8,112
Wasatch Advisors LP292,242$34.8M0.2%−51,804
American Century Companies Inc245,685$29.3M0.0%+15,762
Geode Capital Management, LLC242,287$28.9M0.0%+17,485
Dimensional Fund Advisors LP204,697$24.4M0.0%+3,890
Langdon Equity Partners189,000$22.5M12.6%+48,654
Royce & Associates LP172,177$20.5M0.2%+9,831
Northern Trust Corp123,360$14.7M0.0%+4,412
Gator Capital Management, LLC100,896$12.0M2.6%+2,550
Vanguard Portfolio Management LLC90,361$10.8M0.0%−1,754
Morgan Stanley87,597$10.4M0.0%−45,105
Renaissance Technologies LLC79,600$9.5M0.0%+23,600
Alliancebernstein L.P.77,157$8.3M0.0%+500
Goldman Sachs Group Inc67,334$8.0M0.0%−4,633
Granite Investment Partners, LLC61,306$7.3M0.4%−28
Charles Schwab Investment Management Inc56,931$6.8M0.0%+1,458
Vanguard Fiduciary Trust Co49,704$5.9M0.0%+1,612
Pembroke Management, LTD48,740$5.8M0.4%New
Envestnet Asset Management Inc48,410$5.8M0.0%−2,600
Two Sigma Investments, LP46,331$5.5M0.0%+25,146

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Esquire Financial Holdings, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAREsquire Financial Holdings, Inc.1
  • CIK0001531031
  • Employer ID (EIN)27-51079013
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6029 Commercial Banks, NEC1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address100 Jericho Quadrangle, Suite 100, Jericho, NY 117531
  • Phone(800) 996-02131
  • Shares outstanding12,104,583 as of Aug 1, 202610
  • Public float$676.6M as of Jun 30, 20253
  • AuditorCrowe LLP, Livingston, New Jersey PCAOB ID 173; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceFeb 8, 20121
  • Filings589 in all: 4 (318), 8-K (100), 10-Q (28), 3 (24), SC 13G/A (13), DEF 14A (10), 10-K (9), 4/A (7)1
    All 36 form types

    CORRESP (7), SC 13G (7), 144 (6), D/A (6), S-8 (6), UPLOAD (6), EFFECT (5), SCHEDULE 13G/A (5), 425 (4), ARS (4), D (3), S-3 (3), S-1/A (2), SCHEDULE 13G (2), 10-K/A (1), 424B3 (1), 424B4 (1), 5 (1), 8-A12B (1), 8-K/A (1), CERTNAS (1), DRS (1), DRS/A (1), DRSLTR (1), FWP (1), S-1 (1), S-4 (1), S-4/A (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Apr 30, 2026
    Latest 8-K (8-K) Aug 3, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par valueESQThe Nasdaq Stock Market LLC

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks Esquire Financial Holdings, Inc. names in Item 1A of its 10-K filed Mar 13, 2026: 46 risks under these headings, as written.3

  • Risks Related to Our Lending Activities
  • Because we intend to continue to increase our commercial loans, our credit risk may increase.
  • A substantial portion of our loan portfolio consists of multifamily real estate loans and commercial real estate loans, which have a higher degree of risk than other types of loans.
  • We may increase our purchases or originations of consumer loans, and such loans generally carry greater risk than loans secured by owner-occupied, 1 – 4 family real estate, and these risks will increase as we continue to increase originations of these types of loans.
  • A substantial majority of our loans and operations are in New York, and therefore our business is particularly vulnerable to a downturn in the New York City economy.
  • If the allowance for credit losses is not sufficient to cover actual credit losses, earnings could decrease.
  • Our loan portfolio is unseasoned.
  • We may not be able to adequately measure and limit the credit risk associated with our loan portfolio, which could adversely affect our profitability.
  • Our New York City multifamily loan portfolio could be adversely impacted by changes in policy legislation or regulation which, in turn, could have a material adverse effect on our financial condition and results of operations.
  • Risks Related to our Business
  • We have experienced significant growth, which makes it difficult to forecast our revenue and evaluate our business and future prospects.
  • The merger with Signature and any future acquisitions could disrupt the Company’s business and adversely affect our results of operations, financial condition and cash flows.
The other 36 risks
  • A substantial portion of our business is dependent on the prospects of the legal industry and changes in the legal industry may adversely affect our growth and profitability.
  • A lack of liquidity could adversely affect the Company’s financial condition and results of operations.
  • The loss of our deposit clients or substantial reduction of our deposit balances could force us to fund our business with more expensive and less stable funding sources.
  • The Bank has deposit accounts whose ownership is based on a fiduciary relationship, which management evaluates to identify an appropriate estimate of FDIC insurance coverage, and such estimates may underreport the amount of the Bank’s uninsured deposits.
  • Reputational risk and social factors may impact our results and damage our brand.
  • We may incur losses related to our exposure to NFL consumer post-settlement loans through our equity method investment in a third party sponsored variable interest entity.
  • As a business operating in the financial services industry, our business and operations may be adversely affected in numerous and complex ways by weak economic conditions.
  • Artificial Intelligence presents risks and challenges that may adversely affect our business.
  • Interruption of our customers’ supply chains and federal funding could negatively impact their business and operations and impact their ability to repay their loans.
  • We may not be able to grow, and if we do we may have difficulty managing that growth.
  • Our ten largest deposit clients account for 25.1% of our total deposits.
  • Risks Related to Market Interest Rates
  • Interest rate shifts may reduce net interest income and otherwise negatively impact our financial condition and results of operations.
  • Risks Related to Operations
  • Inflation can have an adverse impact on our business and on our customers.
  • We are exposed to the risks of natural disasters and global market disruptions.
  • We rely heavily on our management team and our business could be adversely affected by the unexpected loss of one or more of our officers.
  • We are subject to certain operational risks, including, but not limited to, customer or employee fraud and data processing system failures and errors.
  • The Company’s controls and procedures may fail or be circumvented.
  • We face risks related to our operational, technological and organizational infrastructure.
  • A failure in our operational systems or infrastructure, or those of third parties, could impair our liquidity, disrupt our businesses, result in the unauthorized disclosure of confidential information, damage our reputation and cause financial losses.
  • The occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents could have a material adverse effect on our business, financial condition and results of operations.
  • If our risk management framework is not effective at mitigating risk and loss to us, we could suffer unexpected losses and our results of operations could be materially adversely affected.
  • Risks Related to Competitive Matters
  • We operate in a highly competitive industry and face significant competition from other financial institutions and financial services providers, which may decrease our growth or profits.
  • Risks Related to our Payment Processing Business
  • Our merchants or ISOs may be unable to satisfy obligations for which we may ultimately be liable.
  • Fraud by merchants or others could have a material adverse effect on our business and financial condition.
  • Changes in card network rules, standards or fees could adversely affect our business or operations.
  • Risks Related to Laws and Regulation and Their Enforcement
  • As a bank holding company, the sources of funds available to us are limited.
  • Our business, financial condition, results of operations and future prospects could be adversely affected by the highly regulated environment and the laws and regulations that govern our operations, corporate governance, executive compensation and accounting principles, or changes in any of them.
  • Federal regulators periodically examine our business, and we may be required to remediate adverse examination findings.
  • We are subject to the Community Reinvestment Act and fair lending laws, and failure to comply with these laws could lead to material penalties.
  • The fiscal, monetary and regulatory policies of the federal government and its agencies could have an adverse effect on our results of operations.
  • We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • We could be adversely affected by the soundness of other financial institutions and other third parties we rely on.
  • Risks Related to Accounting Matters
  • Changes in accounting standards could materially impact our financial statements.
  • Our accounting estimates rely on analytics, models and assumptions, which may not accurately predict events.
  • Risks Related to Our Common Stock
  • The Company’s stock price can be volatile.
  • Anti-takeover provisions could negatively impact our shareholders.

Legal proceedings

Periodically, we are involved in claims and lawsuits, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. At December 31, 2025, we are not a party to any pending legal proceedings that we believe would have a material adverse effect on our financial condition, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.3

Sources

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