Esquire Financial (ESQ) financial statements
Esquire Financial reported revenue of $147M in fiscal 2025, up 24.9% a year over 9 years.
Net income was $51M.
Free cash flow was $54M, and the company returned $6M in dividends.
The diluted share count rose 74% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Esquire Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $20M | $25M | $36M | $46M | $52M | $65M | $84M | $114M | $125M | $147M |
| Interest expense | $511,000 | $538,000 | $1M | $3M | $1M | $828,000 | $2M | $8M | — | — |
| Pre-tax income | $5M | $7M | $12M | $19M | $17M | $23M | $39M | $56M | $59M | $66M |
| Income tax | $2M | $3M | $3M | $5M | $5M | $5M | $10M | $15M | $16M | $15M |
| Net income | $3M | $4M | $9M | $14M | $13M | $18M | $29M | $41M | $44M | $51M |
| EPS (diluted) | $0.55 | $0.58 | $1.13 | $1.82 | $1.65 | $2.26 | $3.47 | $4.91 | $5.14 | $5.87 |
| Diluted shares | 5M | 6M | 8M | 8M | 8M | 8M | 8M | 8M | 8M | 9M |
| Net margin | 14.3% | 14.4% | 24.5% | 30.8% | 24.2% | 27.7% | 33.8% | 36.1% | 35.0% | 34.7% |
Balance sheet
Fiscal years, from Esquire Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $43M | $43M | $31M | $62M | $65M | $149M | $164M | $165M | $126M | $236M |
| Property, plant and equipment | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $4M |
| Total assets | $425M | $534M | $664M | $798M | $937M | $1.2B | $1.4B | $1.6B | $1.9B | $2.4B |
| Long-term debt | — | — | — | — | — | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $373M | $450M | $571M | $687M | $811M | $1.0B | $1.2B | $1.4B | $1.7B | $2.1B |
| Shareholders' equity | $52M | $83M | $93M | $111M | $126M | $144M | $158M | $199M | $237M | $290M |
| Net debt | -$43M | -$43M | -$31M | -$62M | -$65M | -$149M | -$164M | -$165M | -$126M | -$236M |
Cash flow
Fiscal years, from Esquire Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6M | $4M | $10M | $16M | $16M | $30M | $39M | $42M | $42M | $60M |
| Capital spending | $3M | $190,000 | $1M | $2M | $3M | $3M | $1M | $3M | $3M | $6M |
| Free cash flow | $4M | $4M | $9M | $14M | $12M | $27M | $38M | $39M | $39M | $54M |
| Stock-based compensation | $388,000 | $554,000 | $1M | $521,000 | $492,000 | $2M | $2M | $3M | $4M | $5M |
| Dividends paid | — | — | — | — | — | — | $2M | $4M | $5M | $6M |
| Share buybacks (net) | — | — | — | — | -$567,000 | — | — | -$286,000 | — | — |
| Net borrowing | — | — | — | — | — | — | — | $2M | -$300,000 | — |
| Free cash flow margin | 18.5% | 14.9% | 24.9% | 31.0% | 23.9% | 41.9% | 44.6% | 34.7% | 31.3% | 37.0% |
| Dividends per share | — | — | — | — | — | — | $0.26 | $0.45 | $0.57 | $0.68 |
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Open ESQ in InvestinglyQuestions
What was Esquire Financial's revenue in 2025?
$147M in fiscal 2025, from its 10-K filing.
How much free cash flow does Esquire Financial generate?
$54M in fiscal 2025 (operating cash flow minus capital spending).
From Esquire Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.