{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-005642","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.349038+00:00","generated_at":"2026-05-16T08:45:36.807569+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Esquire Financial Q4 net income up 14.6% to $13.5M, EPS $1.55; loans grow 25.9% YoY","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-005642","json":"https://secwatch.observer/filing/0001104659-26-005642.json","markdown":"https://secwatch.observer/filing/0001104659-26-005642.md","text":"https://secwatch.observer/filing/0001104659-26-005642.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000110465926005642/0001104659-26-005642-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000110465926005642/esq-20260122x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:45:36.807569+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}