Short answer
Esquire Financial Holdings, Inc. (ESQ) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $36M (up 24.0% year over year) with net income of $14M.
Q3 2025 key financials · XBRL
- Revenue
- $36M
- +24.0% YoY · +7.7% QoQ
- Net income
- $14M
- +23.7% YoY · +18.2% QoQ
- EPS (diluted)
- $1.62
- +21.8% YoY · +18.2% QoQ
Source: XBRL data from the Esquire Financial Holdings, Inc. (ESQ) Q3 2025 10-Q on SEC EDGAR. USD.
Esquire Financial Holdings, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net interest margin 6.04%, efficiency ratio 48.9%, return on assets 2.61%, return on equity 20.83%
- Litigation-related loans $996.0M, up from $838.6M; commercial litigation loans largest category
- Assets $2.18B, up 15.4% from $1.89B; cash and equivalents up 90.6% to $240.7M
- Available liquidity $1.17B, or 62% of deposits, with no outstanding borrowings; risks include rates, credit losses and deposit outflows
Risk Factors
- No material changes to risk factors from the December 31, 2024 Form 10-K
- Carried-forward regulatory and compliance risks unchanged from the latest Form 10-K
- Carried-forward operational and competitive risks unchanged from the latest Form 10-K
- Carried-forward liquidity, credit, and market risks unchanged from the latest Form 10-K
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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