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.
Key figures
- Eps
- 1.57
- Revenue
- $61.4 million
- Goodwill
- 246883000
- Cet1 ratio
- 13.45%
- Net income
- 17482000
- Total loans
- 3425203000
- Adjusted eps
- 2.12
- Adjusted roa
- 2.34%
- Total assets
- 4805405000
- Purchase price
- 466100000
- Total deposits
- 3977890000
- Efficiency ratio
- 58.6%
- Allowance to loans
- 1.30%
- Adjusted net income
- 23619000
- Net interest income
- 53506000
- Net interest margin
- 5.74%
- Merger expenses pretax
- 8887000
- Adjusted efficiency ratio
- 41.1%
- Nonperforming loans to loans
- 0.25%
- Tangible book value per share
- 40.48
AI analysis
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