Esquire Financial Holdings, Inc. (ESQ) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — ESQ

Balance Sheet

(in billions USD)

Metric	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	0.22	0.24	0.16	0.17	0.15	0.15	0.16	0.12	0.11	0.18	0.16	0.15	0.14	0.15	0.09
Total Assets	2.42	2.18	2.06	1.95	1.78	1.72	1.65	1.48	1.45	1.35	1.31	1.24	1.12	1.06	1.00
Total Deposits	2.10	1.88	1.78	1.69	1.54	1.49	1.43	1.28	1.26	1.19	1.16	1.09	0.98	0.91	0.86
Total Liabilities	2.12	1.91	1.80	1.70	1.55	1.50	1.45	1.30	1.27	1.20	1.16	1.10	0.99	0.92	0.87
Retained Earnings	0.21	0.19	0.17	0.16	0.14	0.13	0.12	0.11	0.10	0.07	0.06	0.06	0.04	0.04	0.04
Total Stockholder Equity	0.30	0.28	0.26	0.25	0.23	0.22	0.21	0.19	0.18	0.15	0.15	0.14	0.14	0.13	0.13

Income Statement

(in millions USD) (except per-share rows)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021
Interest & Dividend Income	39.03	38.24	36.13	33.54	31.51	30.78	29.13	27.39	26.07	25.57	23.90	22.06	19.05	15.96	13.96	12.02	11.93	11.49	10.86	10.25
Interest Expense	--	--	--	--	--	--	--	--	3.21	2.90	2.18	1.97	0.71	0.41	0.28	0.24	0.23	0.21	0.19	0.20
Net Interest Income	34.00	33.28	31.34	29.25	27.61	26.89	25.86	24.32	22.86	22.67	21.73	20.09	18.34	15.55	13.67	11.79	11.70	11.28	10.67	10.05
Provision for Credit Losses	2.70	2.90	1.75	3.53	1.50	1.70	--	--	--	--	1.20	1.33	1.35	0.65	0.85	0.64	0.56	3.75	0.85	1.80
Non-interest Income	6.46	6.12	6.23	6.58	6.15	6.17	6.06	6.28	6.39	6.27	6.53	6.70	6.78	6.43	6.21	5.50	5.17	4.92	5.47	5.46
Non-interest Expense	20.66	19.06	18.36	17.06	16.75	15.69	15.36	15.23	14.57	13.90	13.76	12.98	11.37	10.84	10.39	9.38	8.75	9.01	9.12	8.19
Pretax Income	17.10	17.43	17.46	15.24	15.51	15.67	15.56	14.37	13.68	13.54	13.29	12.48	12.40	10.49	8.64	7.27	7.56	3.45	6.17	5.53
Tax Provision	4.89	3.97	3.41	3.35	4.11	3.92	4.20	3.88	3.63	3.65	3.46	3.37	3.29	2.78	2.29	1.93	0.83	0.93	1.67	1.36
Net Income	12.21	13.47	14.06	11.89	11.41	11.75	11.36	10.49	10.06	9.88	9.84	9.11	9.11	7.71	6.35	5.34	6.73	2.52	4.50	4.17
Basic EPS	1.48	1.65	1.74	1.48	1.43	1.50	1.45	1.34	1.29	1.27	1.27	1.18	1.19	1.01	0.83	0.70	0.90	0.34	0.60	0.56
Diluted EPS	1.40	1.54	1.62	1.38	1.33	1.35	1.34	1.25	1.20	1.17	1.17	1.10	1.09	0.94	0.78	0.66	0.84	0.32	0.57	0.53

Cash Flow Statement

(in millions USD)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021
Operating Cash Flow	19.51	16.79	16.75	10.49	15.81	11.69	10.53	7.22	12.78	16.52	25.88	14.67	8.44	11.86	7.35	11.15	7.39	6.37	3.04	13.28
Capital Expenditures	0.18	0.34	0.51	1.16	1.15	0.08	0.05	0.34	0.24	0.28	0.33	0.06	0.02	0.02	0.02	0.01	0.06	0.70	0.16	0.08
Free Cash Flow*	19.33	16.45	16.25	9.32	14.66	11.60	10.48	6.88	12.54	16.25	25.55	14.61	8.42	11.85	7.33	11.13	7.33	5.67	2.88	13.20
Investing Cash Flow	(71.19)	(199.62)	(35.05)	(113.83)	(13.59)	(134.56)	(64.12)	(64.40)	(45.18)	(94.62)	(120.79)	(9.98)	(66.40)	(16.18)	(66.11)	(72.81)	(47.84)	(76.25)	(0.21)	(46.19)
Financing Cash Flow	38.01	177.96	96.09	93.27	44.49	101.54	48.52	51.67	25.44	122.66	51.43	34.99	39.96	31.25	65.01	61.45	51.37	62.38	55.01	55.62

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q1 2023	Q4 2022	Q2 2022
Dividends Per Share	0.20	0.18	0.18	0.18	0.18	0.15	0.15	0.15	0.15	0.13	0.13	0.10	0.19	0.09