Filing Flows

Filing Flows › Companies › Esquire Financial Holdings › Cash flow

Esquire Financial Holdings cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$13.0M in Q3 2026 · $63.2M over twelve months

Operating cash flow$13.2M
Capital spending−$158K
Free cash flow+$13.0M
Cash / net income0.8×

Analysis

In Q3 2026, Esquire Financial Holdings generated $13.2M of operating cash flow and spent $158K on capital projects, leaving free cash flow of $13.0M. That is $3.2M less than in Q3 2025 ($16.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $64.0M; the largest uses were other investing ($269M), dividends ($7.3M), capital spending ($840K); besides operations, cash came from other financing ($443M), shares issued ($1.0M); the cash balance rose by $231M.

Operating cash flow was $13.2M against net income of $17.5M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$6.9M, depreciation & amortization +$2.2M, stock-based pay +$1.7M.

Free cash flow

Esquire Financial Holdings: free cash flow by quarterEsquire Financial Holdings: free cash flow by quarter$11.6MQ4 2024$14.7MQ1 2025$9.3MQ2 2025$16.2MQ3 2025$16.5MQ4 2025$19.3MQ1 2026$14.4MQ2 2026$13.0MQ3 2026
Operating cash flow less capital spending.
Esquire Financial Holdings: operating cash flow against capital spendingEsquire Financial Holdings: operating cash flow against capital spendingOperating cash flowCapital spending$11.7M$84KQ4 2024$15.8M$1.2MQ1 2025$10.5M$1.2MQ2 2025$16.8M$505KQ3 2025$16.8M$340KQ4 2025$19.5M$180KQ1 2026$14.5M$162KQ2 2026$13.2M$158KQ3 2026
Latest (Q3 2026): Operating cash flow $13.2M, Capital spending $158K.

Capital allocation, year by year

Esquire Financial Holdings: where the cash came from (up) and went (down), by fiscal yearEsquire Financial Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $30.1MFY2021: Net borrowing −$1KFY2021: Shares issued $27KFY2021: Capital spending −$1.0M$30.1MFY2021FY2022: Operating cash flow $38.8MFY2022: Net borrowing −$2KFY2022: Shares issued $333KFY2022: Capital spending −$73KFY2022: Dividends −$2.1M$39.1MFY2022FY2023: Operating cash flow $42.4MFY2023: Net borrowing $1.7MFY2023: Shares issued $110KFY2023: Capital spending −$605KFY2023: Buybacks −$286KFY2023: Dividends −$3.7M$44.3MFY2023FY2024: Operating cash flow $42.2MFY2024: Net borrowing −$302KFY2024: Shares issued $505KFY2024: Capital spending −$714KFY2024: Dividends −$4.8M$42.7MFY2024FY2025: Operating cash flow $59.8MFY2025: Net borrowing −$2KFY2025: Shares issued $887KFY2025: Capital spending −$3.2MFY2025: Dividends −$5.9M$60.7MFY2025
Over these 5 years operating cash flow totalled $213M; the largest uses were dividends ($16.6M) and capital spending ($5.6M). Cash-flow statements as filed.

Where the cash came from and went

Esquire Financial Holdings: sources (+) and uses (−) of cash, Q3 2026Esquire Financial Holdings: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$229MOther financing$147MOther investing$70.8MOperating cash flow$13.2MDividends−$2.4MShares issued$774KCapital spending−$158KNet borrowing (+) / repaid (−)−$1K
Esquire Financial Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Esquire Financial Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$443MOther investing−$269MCash drawn (+) / kept (−)−$231MOperating cash flow$64.0MDividends−$7.3MShares issued$1.0MCapital spending−$840KNet borrowing (+) / repaid (−)−$2K

From profit to cash

Esquire Financial Holdings: net income to operating cash flow, Q3 2026Esquire Financial Holdings: net income to operating cash flow, Q3 2026Net income$17.5MDepreciation & amortization$2.2MStock-based pay$1.7MAccrued liabilities−$1.3MPrepaid and other assets−$6.9MOperating cash flow$13.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$13.2M−$158K−$2.4M−$1K$774K−$229M$13.0M
Q2 2026$14.5M−$162K−$1.7M—$151K−$20.0M$14.4M
Q1 2026$19.5M−$180K−$1.7M−$1K$111K$13.7M$19.3M
Q4 2025$16.8M−$340K−$1.6M—$12K$4.9M$16.5M
Q3 2025$16.8M−$505K−$1.4M−$1K$395K−$77.8M$16.2M
Q2 2025$10.5M−$1.2M−$1.4M—$471K$10.1M$9.3M
Q1 2025$15.8M−$1.2M−$1.4M—$9K−$46.7M$14.7M
Q4 2024$11.7M−$84K−$1.3M−$1K$144K$21.3M$11.6M

Esquire Financial Holdings: income statement and cash flow

Esquire Financial Holdings, Q3 2026: revenue $61.4M (+63% year over year), operating margin 38.5%. The chart follows the revenue to costs, profit and cash.

Esquire Financial Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.