Esquire Financial Holdings Balance Sheet Health
Financial Health criteria checks 6/6
Esquire Financial Holdings has total assets of $1.9B and total equity of $237.1M. Total deposits are $1.6B, and total loans are $1.4B. It earns a Net Interest Margin of 6.1%. It has sufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $126.3M.
Key information
8x
Asset to equity ratio
6.1%
Net interest margin
| Total deposits | US$1.64b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$126.33m |
Recent financial health updates
No updates
Recent updates
Esquire Financial Holdings (NASDAQ:ESQ) Is Increasing Its Dividend To $0.15
Feb 04
Here's Why We Think Esquire Financial Holdings (NASDAQ:ESQ) Might Deserve Your Attention Today
Mar 12Esquire Financial Holdings declares $0.09 dividend
Jul 28Here's Why I Think Esquire Financial Holdings (NASDAQ:ESQ) Might Deserve Your Attention Today
Jun 14Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ESQ's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: ESQ has a sufficient allowance for bad loans (192%).
Low Risk Liabilities: 99% of ESQ's liabilities are made up of primarily low risk sources of funding.
Loan Level: ESQ has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: ESQ's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: ESQ has an appropriate level of bad loans (0.8%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/06 20:43 |
| End of Day Share Price | 2025/02/06 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Esquire Financial Holdings, Inc. is covered by 4 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Timothy Switzer | Keefe, Bruyette, & Woods |
| Justin Crowley | Piper Sandler Companies |
| David Feaster | Raymond James & Associates |