Esquire Financial Holdings, Inc. (ESQ)

Esquire Financial Holdings, Inc. (ESQ) stock has experienced strong performance, increasing by +16.79% over the last six months and +54.21% over the last year. The company reported record quarterly net income of $14.1 million in Q3 2025. An analyst downgraded the stock to "Hold" due to valuation concerns. ESQ has consistently paid cash dividends, including recent declarations of $0.175 per share. The company expanded its national footprint with a new banking location in Los Angeles.

The demand for Esquire Financial Holdings, Inc.'s services may be influenced by litigation cycles, small business activity, and real estate market conditions. The legal industry's fluctuations, economic cycles affecting small businesses, and broader real estate market conditions can impact demand. The company's diversified offerings may help mitigate significant seasonal swings.

Esquire Financial Holdings, Inc. (ESQ) is a financial holding company operating through Esquire Bank, N.A., providing financial and payment processing solutions to the litigation industry and small businesses nationally, as well as serving commercial and retail customers in the New York metropolitan area. The company offers banking products like checking and savings accounts, lending solutions including commercial and consumer loans totaling $1.40 billion in 2024, treasury management services, payment processing solutions processing $9.2 billion in card volume for 84,000 small business clients, and specialized financial products for the legal community and healthcare providers.

Esquire Financial Holdings, Inc. serves the legal and small business communities nationally, while its commercial and retail operations are focused on the New York metropolitan area. The company is headquartered in Jericho, New York, with branch offices in Jericho and Los Angeles, California, and an administrative office in Boca Raton, Florida.

Esquire Financial Holdings, Inc. maintains a strong and positive brand reputation, particularly within its niche markets. Esquire Bank was recognized as a 2025 Top Deposit Franchise by S&P Global Market Intelligence. The company has demonstrated industry-leading performance and growth, focusing on long-term stakeholder value and a strong balance sheet. Investment in a new headquarters is expected to enhance talent acquisition and support future expansion. No significant negative events affecting its reputation were found in the provided search results for the past year.

Institutional ownership of Esquire Financial Holdings, Inc. is at 67.98%, with insider ownership at 14.67%. Copeland Capital Management, LLC added 244,252 shares of ESQ to their portfolio.