Esquire Financial Holdings, Inc. (ESQ) Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and financial services across the United States. Its clientele includes the legal sector, small businesses, and both corporate and individual clients. The company's deposit offerings encompass checking, savings, money market, and time deposits, alongside certificates of deposit. Its lending portfolio is extensive, providing commercial loans tailored for operational liquidity, such as short-term funding for inventory, accounts receivable, or supplies, in addition to financing for approved merchant clientele. It also extends commercial lines of credit. Consumer loan options are available for various needs, including post-settlement and structured settlement financing for plaintiffs and claimants, as well as personal loans to individuals for purposes like consolidating debt, covering medical costs, managing living expenses, or settling outstanding bills. Furthermore, it originates real estate loans for multifamily, single-family residential, commercial properties, and construction projects. Merchant services are another component of its offerings. Established in 2006, Esquire Financial Holdings, Inc. maintains its primary corporate office in Jericho, New York. As of early 2022 (specifically January 25), its physical presence included a full-service branch situated in Jericho, New York, and an administrative hub located in Boca Raton, Florida.
Sector: Commercial Banks, NEC
Industry: Banks - Regional
Esquire Financial Holdings, Inc. NASDAQ:ESQ Financial Services · Banks - Regional
Mkt Cap $1.57B
Div Yield 0.60%
Pre Pre-market $130.99 Close $129.15 AH $129.00 Now $130.99
Close $129.15 +1.76% AH $129.00 +1.54% since
Mkt Cap $1.57B
Div Yield 0.60%
Press Release
Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders
Esquire Financial Holdings declared its regular quarterly dividend of $0.20 per share of common stock.
The dividend is payable December 1, 2026, to stockholders of record on November 13, 2026.
The declaration maintains the existing payout with no increase or policy change, making it routine capital-return maintenance for the Jericho, NY-based bank holding company.
• 10d ago AI analysis › Press Release ● Major ⚠ 4
Esquire Financial Holdings, Inc. Reports Third Quarter 2026 Results
Esquire Financial Holdings reported Q3 2026 net income of $17.5 million, or $1.57 per diluted share, versus $14.1 million, or $1.62, a year ago, with GAAP results weighed down by $8.9 million of pretax merger expenses.
The quarter's headline was the completed acquisition of Signature Bancorporation, which closed August 1 and lifted total assets to $4.81 billion (+120% YoY), loans to $3.43 billion (+80.1% from June 30), and deposits to $3.98 billion (+82.5%), at a purchase price of $466.1 million and roughly 10% accretion to tangible book value.
On an adjusted basis excluding merger charges and discrete tax items, net income was $23.6 million and diluted EPS $2.12, versus $1.60 in the linked quarter, with adjusted ROA of 2.34% and an adjusted efficiency ratio of 41.1%.
The net interest margin compressed 30 basis points YoY to 5.74% due to the acquired Signature loan mix, while credit remained clean with nonperforming loans at just 0.25% of loans and CET1 at 12.95%.
• 13d ago AI analysis › Press Release
Esquire Financial Holdings, Inc. Announces Third Quarter 2026 Earnings Release and Conference Call on October 27, 2026
Esquire Financial Holdings announced it will release Q3 2026 earnings on October 27, 2026 at 8:30 a.m. ET.
A conference call hosted by CEO Andrew C. Sagliocca and CFO Michael Lacapria follows at 10:00 a.m. ET, with a live webcast and telephone dial-in available.
This is a scheduling notice only; no financial results or guidance were disclosed.
• 1mo ago AI analysis › Press Release ⚠ 2
Esquire Bank Named a Top Deposit Franchise by S&P Global Market Intelligence for Third Consecutive Year
Esquire Bank was named among the top 100 deposit franchises in S&P Global Market Intelligence's annual U.S. Community Bank Deposit Rankings for the third consecutive year.
The rankings, launched in 2024, weigh eight metrics including noninterest-bearing deposit concentration, cost of interest-bearing deposits, deposit betas, deposit efficiency and overall growth for banks with less than $3 billion in assets, using data as of June 30, 2026.
The recognition follows the August 1, 2026 close of Esquire's acquisition of Signature Bancorporation; the combined company now has approximately $4.8 billion in assets, $3.3 billion in loans and $4.0 billion in deposits.
CEO Andrew C. Sagliocca framed the award as validation of a relationship-driven, low-cost deposit base that the Signature merger extends to a larger and more diversified client base.
• 2mo ago AI analysis › Press Release
Esquire Financial Holdings Ranks #3 Among Top-Performing U.S. Banks in Bank Director's 2026 RankingBanking
Esquire Financial Holdings ranked third among the 300 largest publicly traded U.S. banks in Bank Director's 2026 RankingBanking, based on 2025 profitability and asset quality metrics compiled by Piper Sandler.
The company also confirmed the completion of its merger with Signature Bancorporation on August 1, 2026, expanding its footprint into the Chicago and Midwest markets.
CEO Andrew C. Sagliocca noted that the recognition reinforces the strength of Esquire's business models and positions the combined entity for continued growth in underserved markets.
• 2mo ago AI analysis › Press Release ● Major
Esquire Financial Holdings, Inc. Completes Acquisition of Signature Bancorporation, Inc. on August 1, 2026
Esquire Financial Holdings completed its acquisition of Signature Bancorporation effective August 1, 2026, creating a combined entity with approximately $4.8 billion in total assets.
The merger integrates Signature's Chicago and Midwest commercial banking franchise with Esquire's existing national litigation and payments verticals.
Signature will now operate as a division of Esquire Bank, led by Michael G. O'Rourke, with former Signature leadership joining the Esquire board.
• 3mo ago AI analysis › Press Release
Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders
Esquire Financial Holdings declared a regular quarterly dividend of $0.20 per share, payable on September 1, 2026 to stockholders of record on August 14, 2026.
The announcement confirms the continuation of the company's existing shareholder return policy without any adjustment to the payout amount.
Esquare Financial is the holding company for Esquire Bank, a commercial bank focused on the litigation industry and small businesses.
• 3mo ago AI analysis › Press Release ● Major ⚠ 2
Esquire Financial Holdings, Inc. Reports Second Quarter 2026 Results
Esquire Financial reported Q2 2026 net income of $13.0 million, or $1.49 per diluted share, up 9.2% year-over-year, fueled by robust commercial loan and deposit growth.
The company achieved 19% annualized loan growth on a linked-quarter basis to $1.90 billion, while deposits increased 15% annualized to $2.18 billion, maintaining a resilient net interest margin of 5.96%.
Management announced that the acquisition of Signature Bancorporation received all regulatory approvals and is currently scheduled to close on August 1, 2026.
• 3mo ago AI analysis › Press Release
Esquire Financial Holdings, Inc. Announces Second Quarter 2026 Earnings Release and Conference Call on July 23, 2026
Esquire Financial Holdings will release its second quarter 2026 earnings results before the market opens on Thursday, July 23, 2026.
Management will host a conference call later that morning at 10:00 a.m. ET to discuss financial performance, featuring CEO Andrew C. Sagliocca and CFO Michael Lacapria.
This announcement is a scheduling update and contains no financial data or guidance.
• 3mo ago AI analysis › Press Release ● Critical ⚠ 1
Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Receive Stockholder Approvals for Merger
Esquire Financial Holdings and Signature Bancorporation announced that their respective stockholders have approved the proposed merger of Signature into Esquire.
With all required regulatory and stockholder approvals now obtained, the companies anticipate the transaction will close in the third quarter of 2026, subject only to customary closing conditions.
The merger will combine Esquire's litigation-focused banking services with Signature's middle-market business portfolio.
• 4mo ago AI analysis › Press Release
Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Announce Final Exchange Ratio for Proposed Merger
Esquire Financial Holdings set the final exchange ratio for its merger with Signature Bancorporation at 2.671 shares of Esquire for each share of Signature, an increase from the 2.630 ratio used in pro forma estimates.
The adjustment reflects a 62% recovery rate on the sale of Signature's Schedule A Loans, totaling $70 million, which exceeded the 50% recovery rate originally assumed.
As a result, Esquire will issue approximately 3.447 million shares to Signature shareholders, an increase of roughly 54,000 shares or 1.6%, with the transaction expected to close in the third quarter of 2026.
• 4mo ago AI analysis › Press Release ● Major
Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Receive All Regulatory Approvals for Proposed Merger
Esquire Financial Holdings and Signature Bancorporation have received all necessary regulatory approvals to proceed with their proposed merger.
The Federal Reserve Bank of New York granted a waiver for the holding company merger, and the Office of the Comptroller of the Currency approved the bank-level merger of Signature Bank into Esquire Bank.
The transaction now awaits final approval from shareholders of both companies and satisfaction of other customary closing conditions.
• 5mo ago AI analysis › Press Release
Esquire Bank Ranks #1 in Raymond James Community Bankers Cup, Earning Recognition for Eighth Consecutive Year
Esquire Financial Holdings ranked #1 in the 2025 Raymond James Community Bankers Cup, marking its eighth consecutive year of recognition as the top-performing community bank in the U.S.
The bank delivered a 2.43% return on average assets, 19.41% return on average tangible common equity, and a 6.02% net interest margin in 2025, placing it in the top 1-3% of peers.
CEO Andrew Sagliocca cited the ranking as validation of the company’s national business model and highlighted the recently announced Signature Bank merger as a key driver for future growth in the Midwest.
• 5mo ago AI analysis › Press Release
Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders
Esquire Financial Holdings declared a regular quarterly dividend of $0.20 per share, payable June 1, 2026 to stockholders of record on May 15, 2026.
This is a routine declaration with no change to the payout amount compared to prior periods.
Esquire Financial is the parent company for Esquire Bank, which serves the litigation industry and small businesses.
• 6mo ago AI analysis › Press Release ● Major ⚠ 2
Are KALV, TBRG, UNF, ESQ Obtaining Fair Deals for their Shareholders?
Halper Sadeh LLC is investigating the board of Esquire Financial Holdings for potential breaches of fiduciary duty related to its merger with Signature Bancorporation.
The investigation centers on whether the transaction contains terms that could prevent superior offers or otherwise disadvantage shareholders compared to insiders.
Shareholders are advised to contact the firm to discuss their rights and options regarding the proposed deal.
• 6mo ago AI analysis › Press Release
Esquire Financial Holdings, Inc. Named to KBW's Bank Honor Roll for Third Consecutive Year
Esquire Financial Holdings was named to KBW's Bank Honor Roll for the third consecutive year, recognizing it as one of 17 elite banks with the strongest earnings growth over the past decade.
The company reported record 2025 results, with net income rising 16.4% to $50.8 million and EPS of $5.87, supporting a 27% five-year EPS CAGR.
Management highlighted a disciplined strategy and the transformational acquisition of Signature Bank as key drivers for the next phase of growth.
• 6mo ago AI analysis › Press Release ● Major ⚠ 2
Esquire Financial Holdings, Inc. Reports First Quarter 2026 Results
Esquire Financial reported Q1 2026 net income of $12.2 million, or $1.40 per diluted share, driven by a 19.8% year-over-year increase in total revenue to $40.5 million.
Growth was fueled by the national litigation platform, which helped expand loans to $1.82 billion and deposits 24.6% to $2.10 billion.
The board increased the regular quarterly cash dividend by 14% to $0.20 per share, marking the fifth consecutive increase since initiating dividends in 2022.
• 6mo ago AI analysis › Press Release
Esquire Bank Ranked Among Top 25 U.S. Merchant Acquirers by Nilson Report
Esquire Financial Holdings was ranked the 21st largest U.S. merchant acquirer and 8th among banks by the Nilson Report for the 2025 calendar year.
The company processed $39.45 billion in total purchase volume, representing an 8.6% year-over-year increase, while card-not-present volume grew 9.4% to $14.01 billion.
Management highlighted the merchant services vertical as a consistent growth driver and a key diversifier for the bank's revenue streams.
• 6mo ago AI analysis › 
