Filing Flows › Esquire Financial Holdings (ESQ) › Q3 2026
Esquire Financial Holdings (ESQ) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Esquire Financial Holdings (ESQ) reported revenue of $61.4M for the third quarter 2026 (Q3 2026), +63% from a year earlier and +46% from the quarter before. Operating margin was 38.5%, net earnings $17.5M (28.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $61.4M | +46% | +63% |
| Operating profit | $23.6M | +30% | +35% |
| Net earnings | $17.5M | +35% | +24% |
| Operating cash flow | $13.2M | -9% | -21% |
| Free cash flow | $13.0M | -9% | -20% |
What changed
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.
Questions
What was Esquire Financial Holdings' revenue in the third quarter 2026?
Esquire Financial Holdings (ESQ) reported revenue of $61.4M for the third quarter 2026 (Q3 2026), +63% from a year earlier and +46% from the quarter before.
Was Esquire Financial Holdings profitable in the third quarter 2026?
Operating profit was $23.6M (38.5% of revenue) and net earnings $17.5M.