---
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"
generated_at: "2026-06-06T18:18:19.759521+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q4 net income $9.9M, EPS $1.18; FY net income $41.0M, up 44% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1531031/000155837024000498/0001558370-24-000498-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000155837024000498/esq-20240125x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-000498
- JSON: https://secwatch.observer/filing/0001558370-24-000498.json
- Plain text: https://secwatch.observer/filing/0001558370-24-000498.txt

## Key facts
- Earnings Releases
  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.
  - Period: fourth quarter and full year 2023
  - Revenue: $113.5 million
  - Net income: $9.9 million, or $1.18 per diluted share in the current quarter
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1531031/000155837024000498/0001558370-24-000498-index.htm

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