Esquire Financial Holdings, Inc. is classed by the SEC under Commercial Banks, NEC (industry code 6029), based in Jericho, NY. Its latest filed balance sheet (2025-12-31) shows total assets of $2.4 billion (its filed statements).
Lending businessCommercial Banks, NECJericho, NYfilings since 20129 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6029, Commercial Banks, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.9 out of ten, 9 of 9 metrics filed: past 5.3 out of ten, present 6.3 out of ten, future 6.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 5.9 out of ten. No warning events in its filings since 2017. 59th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.9 out of ten. +27% a year over 10 filed years; profitable in 10 of 10. 79th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.6 out of ten. Share count grew 1.8% a year. 10% of cash flow returned. Insiders: 15 sales, 0 purchases. 26th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.7 out of ten. ROE 18%: 18¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 57th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 8.0 out of ten. top 20% of 21 in its family; net margin 36.5%. 80th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.0 out of ten. top 50% of 2 in its family for leadership; chief executive since 2017. 50th percentile among 2 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.9 out of ten. top 41% of 19 in its family for room to expand. 59th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 8.8 out of ten. top 12% of 22 in its family for growth drivers. 88th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.0 out of ten. bottom 40% of 20 in its family for expectations against reality. 40th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 4, 2026-09-21. Filings on record since 2012. Read from EDGAR 2026-10-12.
Who runs it
Sagliocca, Andrew C (Vice Chairman, President & CEO); O'Rourke, Michael G (President of Chicago Bank Div); Lacapria, Michael (SVP & Chief Financial Officer); Bader, Eric S (EVP and COO); Korn, Martin S. (EVP and CTO); Kornhaber, Ari P (EVP and Head of Corp Dev); Powers, Richard T (director); Coelho, Anthony (director); Caronia, Leonard (director); Mitzman, Robert (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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