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Esquire Financial Holdings (ESQ) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Esquire Financial Holdings (ESQ) Q3 2026 earnings results →
Q3 2026 Revenue up 63% year over year to $61.4M · 28¢ of every $1 of revenue kept as net profit · operating margin 38.5%
Esquire Financial Holdings made $61.4M in Q3 2026 (+63% Y/Y): Net interest income $53.5M, Noninterest income $7.9M. Operating margin 38.5%, net earnings $17.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $61.4M in Q3 2026, up 63% year over year and up 46% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $22.2M year over year (up 71%), 93% of the total change.
Operating profit was $23.6M, a 38.5% margin (down 8.0 points year over year). Of the extra revenue versus a year earlier, 26% reached operating profit, below the 46% margin then. Total costs grew 88% against revenue growth of 63%. The fastest-growing cost line was Noninterest expense (+96%). Net earnings were $17.5M, up 24% year over year. The effective tax rate was 26.0%.
Operating cash flow was $13.2M (down 21% year over year), 76% of net earnings. Non-cash charges added back $2.2M of depreciation and amortization and $1.7M of share-based compensation. Working capital and other items used $8.2M. Capital expenditures of $158K left free cash flow of $13.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $61.4M | +63% | 38.5% | $17.5M | $13.2M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Esquire Financial Holdings
This Annual Report contains forward-looking statements within the meaning of the federal securities laws. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “might,” “should,” “could,” “predict,” “potential,” “believe,” “expect,” “attribute,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “goal,” “target,” “outlook,” “aim,” “would,” “annualized” and “outlook,” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature.
In its own words, from its 10-K, filed Mar 13, 2026.
Esquire Financial Holdings against its Commercial Banks, NEC peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +63% against the peers' median +11%. Operating margin: 38.5% against the peers' median 38.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ESQ Esquire Financial Holdings | Q3 2026 | $61.4M | +63% | 38.5% |
| SAN Banco Santander, S.A. | Q3 2026 | $18.3B | +11% | 30.4% |
| ING ING Groep NV | H1 2026 | $13.6B | -6% | 100.0% |
| BCS Barclays | Q3 2026 | $9.9B | +3% | 31.5% |
| LYG Lloyds Banking Group | Q3 2026 | $7.3B | +12% | 42.7% |
| NWG NatWest Group | Q3 2026 | $6.2B | +7% | 48.0% |
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | Q3 2026 | $2.8B | -0.1% | 38.1% |
| PGC Peapack Gladstone Financial | Q3 2026 | $87.5M | +24% | 27.3% |
Source: Esquire Financial Holdings 10-Q on SEC EDGAR · CIK 1531031 · Commercial Banks, NEC
Guidance and outlook
13F: who owns ESQ and who is buying
More on ESQ
History
Every quarter: Q3 2026 results