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Esquire Financial Holdings ( (ESQ) ) has provided an announcement.
On January 22, 2026, Esquire Financial Holdings reported strong fourth-quarter and full-year 2025 results, highlighted by a 14.6% year-over-year increase in quarterly net income to $13.5 million and a 16.4% rise in full-year net income to $50.8 million, supported by resilient net interest margins above 6% and industry-leading returns on assets and equity despite higher provisions for credit losses and increased noninterest expenses. Fueled by robust national demand from commercial law firms and litigation-related clients, loans grew $361.4 million, or 25.9%, in 2025, while core commercial deposits rose 26.3% to $2.06 billion and off-balance-sheet sweep funds expanded by 33%, underpinning strong liquidity and capital ratios well above regulatory “well capitalized” thresholds; the bank also maintained solid credit quality, improved operating efficiency, expanded its geographic presence with a flagship Los Angeles branch opened in August 2025, and enhanced its industry positioning by being named to the Piper Sandler 2025 Bank & Thrift Sm-All Stars, reinforcing its standing as a top-performing small-cap bank for stakeholders.
The most recent analyst rating on (ESQ) stock is a Buy with a $123.00 price target. To see the full list of analyst forecasts on Esquire Financial Holdings stock, see the ESQ Stock Forecast page.
Spark’s Take on ESQ Stock
According to Spark, TipRanks’ AI Analyst, ESQ is a Outperform.
ESQ scores well primarily on strong financial performance (growth, ROE, and cash conversion) and supportive recent corporate updates. The score is moderated by a mixed near-term technical picture and only moderate valuation support given the P/E and modest dividend yield.
To see Spark’s full report on ESQ stock, click here.
More about Esquire Financial Holdings
Esquire Financial Holdings, Inc. is the financial holding company for Esquire Bank, National Association, a niche commercial bank focused on serving the litigation and payments verticals nationally. The company provides higher-yielding commercial litigation-related loans, commercial relationship banking, cash management services, and a tech-enabled payment processing platform that supports about 93,000 small business clients across all 50 states, with a particular emphasis on escrow/IOLTA deposits and treasury clearing services for credit and debit card transactions.
Average Trading Volume: 62,280
Technical Sentiment Signal: Buy
Current Market Cap: $901M
For detailed information about ESQ stock, go to TipRanks’ Stock Analysis page.