Esquire Financial Q4 net income up 14.6% to $13.5M, EPS $1.55; loans grow 25.9% YoY

Esquire Financial Holdings, Inc.

2025-FY EPS reported $5.87

Net income $13.5M ($1.55 diluted EPS) vs $11.8M ($1.37) in Q4 2024, up 14.6%.
Full-year 2025 net income $50.8M ($5.87 EPS), up 16.4% from $43.7M.
Loans grew 25.9% YoY to $1.76B, led by 41% growth in commercial litigation loans to $1.18B.
Net interest margin improved to 6.05% in Q4, up 18 bps; ROAA 2.36%, ROAE 18.90%.
Provision for credit losses increased $1.2M to $2.9M in Q4; allowance/loans at 1.37%.

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