---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-006604"
form_type: "8-K"
ticker: "ESQ"
cik: "0001531031"
company_name: "Esquire Financial Holdings, Inc."
filed_at: "2023-04-25T23:59:59+00:00"
generated_at: "2026-06-16T16:12:38.920145+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 ($1.47 EPS); adjusted EPS $1.11; NIM 6.03%

## Summary
- Net income of $12.2M, up 34% linked quarter; diluted EPS $1.47 (incl. $0.36 Litify gain).
- Adjusted net income $9.2M, adjusted EPS $1.11; ROAA 3.68%, ROAE 30.45%.
- Net interest margin expanded to 6.03%; loans grew 8% annualized to $965.6M.
- Deposits $1.3B, up 12% annualized; no nonperforming loans; CET1 ratio 14.89%.
- Litify partial sale generated $4.0M pretax gain; payment processing volume $7.7B.

## SEC filing metadata
- accession: 0001558370-23-006604
- form_type: 8-K
- ticker: ESQ
- cik: 0001531031
- company_name: Esquire Financial Holdings, Inc.
- filed_at: 2023-04-25T23:59:59+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/1531031/000155837023006604/0001558370-23-006604-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000155837023006604/esq-20230425x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-006604
- JSON: https://secwatch.observer/filing/0001558370-23-006604.json
- Plain text: https://secwatch.observer/filing/0001558370-23-006604.txt

## Key facts
- Earnings Releases
  Esquire Financial Holdings, Inc. reported the first quarter of 2023 results: net income $12.2 million, EPS $1.47 per diluted share.
  - Period: the first quarter of 2023
  - Net income: $12.2 million
  - EPS: $1.47 per diluted share
  - Result: reported results
  source text: On a linked quarter basis, net income increased 34% to $12.2 million, or $1.47 per diluted share, as compared to $9.1 million, or $1.10 per diluted share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1531031/000155837023006604/0001558370-23-006604-index.htm

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