Filing Flows › Esquire Financial Holdings (ESQ) › Q3 2026 › vs Q3 2025
Esquire Financial Holdings (ESQ) Q3 2026 vs Q3 2025 (year over year)
Esquire Financial Holdings's revenue rose $23.8M (+63%) from $37.6M in Q3 2025 to $61.4M in Q3 2026. The biggest changes: Net interest income +$22.2M (+71%); Noninterest income +$1.7M (+27%). Operating margin 38.5% against 46.5% (-8.0 pts).
Esquire Financial Holdings, Q3 2026: revenue $61.4M (+63% year over year), operating margin 38.5%, net earnings $17.5M, operating cash flow $13.2M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.5% | 46.5% | -8.0 pts |
| Net margin | 28.5% | 37.4% | -8.9 pts |
| Free cash flow margin | 21.2% | 43.2% | -22.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $53.5M | $31.3M | $22.2M | +71% |
| Noninterest income | $7.9M | $6.2M | $1.7M | +27% |
| Revenue | $61.4M | $37.6M | $23.8M | +63% |
| Operating profit | $23.6M | $17.5M | $6.2M | +35% |
| Costs & expenses | $37.8M | $20.1M | $17.7M | +88% |
| Pre-tax earnings | $23.6M | $17.5M | $6.2M | +35% |
| Credit loss provision | $1.8M | $1.8M | $50K | +3% |
| Noninterest expense | $36.0M | $18.4M | $17.6M | +96% |
| Net earnings | $17.5M | $14.1M | $3.4M | +24% |
| Income tax | $6.1M | $3.4M | $2.7M | +80% |
| Depreciation & amortization | $2.2M | $325K | $1.9M | +576% |
| Share-based compensation | $1.7M | $1.3M | $432K | +33% |
| Working capital & other | $8.2M | −$1.1M | $9.3M | — |
| Operating cash flow | $13.2M | $16.8M | −$3.5M | -21% |
| Free cash flow (OCF − capex) | $13.0M | $16.2M | −$3.2M | -20% |
| Capital expenditures | $158K | $505K | −$347K | -69% |
Questions
How much did Esquire Financial Holdings's revenue grow year over year in Q3 2026?
Esquire Financial Holdings's revenue rose $23.8M (+63%) from $37.6M in Q3 2025 to $61.4M in Q3 2026.
What drove Esquire Financial Holdings's revenue change in Q3 2026?
Net interest income +$22.2M (+71%); Noninterest income +$1.7M (+27%).