Esquire Financial Holdings Inc (ESQ) — Cash Flow Quality Index
Esquire Financial Holdings Inc (ESQ) has a Cash Flow Quality Index of 1.25x as of December 2025. Operating cash flow of $16.79 Million exceeds net income of $13.47 Million, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of Esquire Financial Holdings Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Esquire Financial Holdings Inc Cash Flow Quality Index (2014–2025)
Historical Cash Flow Quality Index for Esquire Financial Holdings Inc across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Esquire Financial Holdings Inc (ESQ) cash conversion ratio.
Annual Cash Flow Quality Index for Esquire Financial Holdings Inc (2014–2025)
Year-by-year earnings quality comparison for Esquire Financial Holdings Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.18x | $59.84 Million | $50.82 Million | ▲ +21.8% |
| 2024 | 0.97x | $42.21 Million | $43.66 Million | ▼ -6.5% |
| 2023 | 1.03x | $42.40 Million | $41.01 Million | ▼ -24.0% |
| 2022 | 1.36x | $38.80 Million | $28.52 Million | ▼ -18.9% |
| 2021 | 1.68x | $30.08 Million | $17.93 Million | ▲ +35.8% |
| 2020 | 1.24x | $15.59 Million | $12.62 Million | ▲ +7.1% |
| 2019 | 1.15x | $16.31 Million | $14.14 Million | ▼ -0.4% |
| 2018 | 1.16x | $10.11 Million | $8.73 Million | ▲ +6.0% |
| 2017 | 1.09x | $3.98 Million | $3.64 Million | ▼ -51.2% |
| 2016 | 2.24x | $6.32 Million | $2.82 Million | ▲ +67.3% |
| 2015 | 1.34x | $1.57 Million | $1.17 Million | ▼ -87.7% |
| 2014 | 10.84x | $442.49K | $40.80K | — |