---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-047290"
form_type: "8-K"
ticker: "ESQ"
cik: "0001531031"
company_name: "Esquire Financial Holdings, Inc."
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:31:22.622679+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q1 net income $12.2M, EPS $1.40; dividend raised 14% to $0.20

## Summary
- Net income up 7% to $12.2M ($1.40 diluted EPS); adjusted EPS $1.58 excluding merger costs.
- Revenue up 19.8% to $40.5M; net interest margin 6.04%; loans grew $56.7M linked-quarter to $1.82B.
- Dividend increased 14% to $0.20/share, fifth consecutive annual increase since 2022.
- Incurred $1.3M merger expenses for Signature Bancorporation acquisition; integration progressing.
- Charge-off of $3.2M on one multifamily OREO; NPLs just 0.03% of assets; allowance/loans ratio 1.30%.

## SEC filing metadata
- accession: 0001104659-26-047290
- form_type: 8-K
- ticker: ESQ
- cik: 0001531031
- company_name: Esquire Financial Holdings, Inc.
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1531031/000110465926047290/0001104659-26-047290-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000110465926047290/esq-20260423x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-047290
- JSON: https://secwatch.observer/filing/0001104659-26-047290.json
- Plain text: https://secwatch.observer/filing/0001104659-26-047290.txt

## Key facts
- Earnings Releases
  Esquire Financial Holdings, Inc. reported first quarter of 2026 results: revenue $40.5 million, net income $12.2 million, EPS $1.40 per diluted share.
  - Period: first quarter of 2026
  - Revenue: $40.5 million
  - Net income: $12.2 million
  - EPS: $1.40 per diluted share
  - Result: reported results
  source text: litigation platform growth, despite significant declines in short-term market interest rates from their highs in 2023. Total revenue increased $6.7 million, or 19.8%, to $40.5 million, when compared to the prior year quarter. ● Loan growth on a linked quarter basis was $56.7 million, or 13% annualized, totaling $1.82 billion, despite litigation related loan
  evidence_url: https://www.sec.gov/Archives/edgar/data/1531031/000110465926047290/0001104659-26-047290-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.