{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-000498","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.521211+00:00","generated_at":"2026-06-06T18:18:19.759521+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Esquire Financial Q4 net income $9.9M, EPS $1.18; FY net income $41.0M, up 44% YoY","bullets":["Net income Q4 2023 $9.9M ($1.18 diluted EPS) vs $9.1M ($1.10) Q4 2022; FY net income $41.0M ($4.91) vs $28.5M ($3.47).","Net interest margin 6.12% Q4, 6.09% FY; total revenue $113.5M for FY, fee income 23% of total.","Loans grew $94M linked quarter (34% annualized) to $1.2B; deposits grew $124.7M (38.6% annualized) to $1.4B.","Nonperforming loan $10.9M (one multifamily); allowance to loans 1.38%; no office CRE exposure.","Invested $6M for 24.99% stake in Payzli (payment tech) closed Jan 2024, expected to benefit fee income in early 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-000498","json":"https://secwatch.observer/filing/0001558370-24-000498.json","markdown":"https://secwatch.observer/filing/0001558370-24-000498.md","text":"https://secwatch.observer/filing/0001558370-24-000498.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024000498/0001558370-24-000498-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024000498/esq-20240125x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:18:19.759521+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":[{"claim_id":"7bdb9a82ecfae185f1359d867953d665301d2fc2","claim":"Esquire Financial Holdings, Inc. reported fourth quarter and full year 2023 results: revenue $113.5 million, net income $9.9 million, or $1.18 per diluted share in the current quarter.","evidence_excerpt":"equity were 2.80% and 23.89% for the fourth quarter 2022 and 2.31% and 19.44% for full year ended 2022, respectively. ​ ● Continued expansion of our total revenue base totaling $113.5 million fueled by an industry leading net interest margin of 6.12% for the current quarter (6.09% for the full year 2023) as well as stable fee-based income (led by our payment","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024000498/0001558370-24-000498-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and full year 2023"},{"label":"Revenue","value":"$113.5 million"},{"label":"Net income","value":"$9.9 million, or $1.18 per diluted share in the current quarter"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}