---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-005689"
form_type: "8-K"
ticker: "ESQ"
cik: "0001531031"
company_name: "Esquire Financial Holdings, Inc."
filed_at: "2024-04-25T23:59:59+00:00"
generated_at: "2026-06-03T07:54:46.528513+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q1 net income $10.1M ($1.20 EPS); NIM 6.06%; dividend raised to $0.15

## Summary
- Net income $10.1M, diluted EPS $1.20; adjusted net income up ~10% YoY excluding prior-year gain.
- Net interest margin 6.06%; total revenue $29.3M; efficiency ratio 49.8%.
- Loans grew $20.8M linked-quarter to $1.23B; deposits up $26.8M to $1.43B.
- Regular quarterly cash dividend increased to $0.15 per share from prior $0.10.
- $6M investment (24.99% stake) in Payzli payment technology firm; LA branch approved.

## SEC filing metadata
- accession: 0001558370-24-005689
- form_type: 8-K
- ticker: ESQ
- cik: 0001531031
- company_name: Esquire Financial Holdings, Inc.
- filed_at: 2024-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1531031/000155837024005689/0001558370-24-005689-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000155837024005689/esq-20240425x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-005689
- JSON: https://secwatch.observer/filing/0001558370-24-005689.json
- Plain text: https://secwatch.observer/filing/0001558370-24-005689.txt

## Key facts
- Earnings Releases
  Esquire Financial Holdings, Inc. reported first quarter of 2024 results: net income $10.1 million, or $1.20 per diluted share.
  - Period: first quarter of 2024
  - Net income: $10.1 million, or $1.20 per diluted share
  - Result: reported results
  source text: Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the “Company”), the financial holding company for Esquire Bank, National Association (“Esquire Bank” or the “Bank”), (collectively “Esquire”) today announced its operating results for the first quarter of 2024.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1531031/000155837024005689/0001558370-24-005689-index.htm

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