Esquire Financial Holdings, Inc. (ESQ) Form 8-K — Oct 27, 2026
Esquire Financial Holdings (NASDAQ: ESQ) reported Q3 2026 net income of $17.5 million, or $1.57 per diluted share, up 24% from $14.1 million ($1.62) a year earlier, with adjusted EPS of $2.12 excluding $8.9 million of merger expenses. The quarter reflects the completed $466.1 million acquisition of Signature Bancorporation (closed August 1, 2026), which roughly doubled the balance sheet to $4.81 billion in assets, $3.43 billion in loans, and $3.98 billion in deposits, generating $246.9 million of goodwill and ~10% tangible book value accretion.
Key figures
- Eps
- 1.57
- Guidance
- Core systems conversions targeted for April 2027; combined company exceeding initial merger earnings expectations from March 12, 2026 announcement
- Net Income
- 17500000
- Total Debt
- 2200000
- Total Assets
- 4805405000
- Deal Value Usd
- 466100000
- Shares Outstanding
- 12159646
- Goodwill
- 246883000
- Total Loans
- 3425203000
- Adjusted Roa
- 2.34%
- Tbv Accretion
- ~10%
- Cet1 Ratio Bank
- 12.95%
- Total Deposits
- 3977890000
- Allowance To Loans
- 1.30%
- Merger Expenses Q3
- 8887000
- Net Interest Margin
- 5.74%
- Uninsured Deposits
- 42.1% of total deposits
- Nonperforming Loans
- 8594000
- Adjusted Net Income Q3
- 23600000
- Adjusted Diluted Eps Q3
- 2.12
- Core Deposit Intangible
- 47499000
- Adjusted Efficiency Ratio
- 41.1%
- Tangible Book Value Per Share
- 40.48
- Adjusted Return On Tangible Equity
- 23.10%
AI analysis
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