Esquire Financial Holdings Inc
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, such… Read more
Esquire Financial Holdings Inc (ESQ) - Net Assets
Latest net assets as of December 2025: $289.60 Million USD
Based on the latest financial reports, Esquire Financial Holdings Inc (ESQ) has net assets worth $289.60 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.37 Billion) and total liabilities ($2.08 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $289.60 Million |
| % of Total Assets | 12.24% |
| Annual Growth Rate | 19.92% |
| 5-Year Change | -74.69% |
| 10-Year Change | 379.7% |
| Growth Volatility | 227.63 |
Esquire Financial Holdings Inc - Net Assets Trend (2014–2024)
This chart illustrates how Esquire Financial Holdings Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Esquire Financial Holdings Inc (2014–2024)
The table below shows the annual net assets of Esquire Financial Holdings Inc from 2014 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $237.09 Million | +19.41% |
| 2023-12-31 | $198.56 Million | +25.54% |
| 2022-12-31 | $158.16 Million | +10.03% |
| 2021-12-31 | $143.74 Million | -84.65% |
| 2020-12-31 | $936.66 Million | +17.39% |
| 2019-12-31 | $797.92 Million | +760.07% |
| 2018-12-31 | $92.77 Million | +11.26% |
| 2017-12-31 | $83.38 Million | +59.78% |
| 2016-12-31 | $52.19 Million | +5.59% |
| 2015-12-31 | $49.42 Million | +28.24% |
| 2014-12-31 | $38.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Esquire Financial Holdings Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 16275241800.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $152.93 Million | 64.50% |
| Common Stock | $85.00K | 0.04% |
| Other Comprehensive Income | $-14.29 Million | -6.03% |
| Other Components | $98.36 Million | 41.49% |
| Total Equity | $237.09 Million | 100.00% |
Esquire Financial Holdings Inc Competitors by Market Cap
The table below lists competitors of Esquire Financial Holdings Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Indiamart Intermesh Limited
NSE:INDIAMART
|
$704.98 Million |
|
Everlight Electronics Co Ltd
TW:2393
|
$705.17 Million |
|
Vestis Corporation
NYSE:VSTS
|
$705.34 Million |
|
Shangri-La Asia Limited
PINK:SHALF
|
$705.46 Million |
|
Mora Telematika Indonesia
JK:MORA
|
$704.75 Million |
|
Hainan Haiyao Co Ltd
SHE:000566
|
$704.71 Million |
|
Ta Ya Electric Wire & Cable Co., Ltd.
TW:1609
|
$704.53 Million |
|
Far Eastern Department Stores Ltd
TW:2903
|
$704.42 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Esquire Financial Holdings Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 198,555,000 to 237,094,000, a change of 38,539,000 (19.4%).
- Net income of 43,658,000 contributed positively to equity growth.
- Dividend payments of 4,846,000 reduced retained earnings.
- Other comprehensive income decreased equity by 1,052,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $43.66 Million | +18.41% |
| Dividends Paid | $4.85 Million | -2.04% |
| Other Comprehensive Income | $-1.05 Million | -0.44% |
| Other Changes | $779.00K | +0.33% |
| Total Change | $- | 19.41% |
Book Value vs Market Value Analysis
This analysis compares Esquire Financial Holdings Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.77x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 10.03x to 3.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | $10.50 | $105.32 | x |
| 2015-12-31 | $9.82 | $105.32 | x |
| 2016-12-31 | $10.40 | $105.32 | x |
| 2017-12-31 | $13.36 | $105.32 | x |
| 2018-12-31 | $12.00 | $105.32 | x |
| 2019-12-31 | $14.27 | $105.32 | x |
| 2020-12-31 | $16.49 | $105.32 | x |
| 2021-12-31 | $18.09 | $105.32 | x |
| 2022-12-31 | $19.51 | $105.32 | x |
| 2023-12-31 | $23.79 | $105.32 | x |
| 2024-12-31 | $27.94 | $105.32 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Esquire Financial Holdings Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.41%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 31.57%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 7.98x
- Recent ROE (18.41%) is above the historical average (10.36%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 0.11% | 0.35% | 0.04x | 8.58x | $-3.81 Million |
| 2015 | 2.37% | 7.61% | 0.04x | 7.14x | $-3.77 Million |
| 2016 | 5.41% | 13.91% | 0.05x | 8.14x | $-2.40 Million |
| 2017 | 4.37% | 14.06% | 0.05x | 6.40x | $-4.69 Million |
| 2018 | 9.41% | 23.73% | 0.06x | 7.16x | $-543.40K |
| 2019 | 12.73% | 29.18% | 0.06x | 7.19x | $3.04 Million |
| 2020 | 10.01% | 23.68% | 0.06x | 7.43x | $10.40K |
| 2021 | 12.47% | 27.34% | 0.06x | 8.20x | $3.55 Million |
| 2022 | 18.03% | 33.19% | 0.06x | 8.82x | $12.70 Million |
| 2023 | 20.65% | 37.63% | 0.07x | 8.14x | $21.16 Million |
| 2024 | 18.41% | 31.57% | 0.07x | 7.98x | $19.95 Million |
Industry Comparison
This section compares Esquire Financial Holdings Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Esquire Financial Holdings Inc (ESQ) | $289.60 Million | 0.11% | 7.17x | $704.77 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |