Short answer
Esquire Financial Holdings, Inc. (ESQ) filed its Q1 2026 10-Q quarterly report on May 11, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $39M (up 23.9% year over year) with net income of $12M.
Q1 2026 key financials · XBRL
- Revenue
- $39M
- +23.9% YoY
- Net income
- $12M
- +7.0% YoY
- EPS (diluted)
- $1.40
- +5.3% YoY
Source: XBRL data from the Esquire Financial Holdings, Inc. (ESQ) Q1 2026 10-Q on SEC EDGAR. USD.
Esquire Financial Holdings, Inc. Q1 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Loans $1.82B, up $56.7M or 3.2% from December 31, 2025
- Net interest margin 6.04%, efficiency ratio 51.1%, return on assets 2.10%
- Cash and equivalents $13.7M lower, down 5.8% from December 31, 2025
- Liquidity $1.10B with no outstanding borrowings; Signature merger pending approvals
Risk Factors
- Newly added merger-cost risk triggered by Signature merger; non-recurring expenses include legal, advisory, severance, and regulatory fees
- Most material update: integration may reduce revenues and increase expenses through delays, employee losses, control inconsistencies, and unforeseen costs
- Regulatory risk: Federal Reserve Board and OCC approvals could be delayed, conditioned, or denied
- Near-term operational risk: merger-related uncertainty and contractual restrictions may hinder employee retention and attractive business opportunities
- Financial risk: interest-rate volatility could enlarge loan fair-value marks, dilute tangible book value, and pressure capital ratios
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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