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ESQ (Esquire Financial Holdings) Return-on-Tangible-Equity : 18.71% (As of Mar. 2025)


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What is Esquire Financial Holdings Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Esquire Financial Holdings's annualized net income for the quarter that ended in Mar. 2025 was $45.6 Mil. Esquire Financial Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2025 was $243.9 Mil. Therefore, Esquire Financial Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 was 18.71%.

The historical rank and industry rank for Esquire Financial Holdings's Return-on-Tangible-Equity or its related term are showing as below:

ESQ' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.37   Med: 11.97   Max: 22.99
Current: 19.66

During the past 10 years, Esquire Financial Holdings's highest Return-on-Tangible-Equity was 22.99%. The lowest was 2.37%. And the median was 11.97%.

ESQ's Return-on-Tangible-Equity is ranked better than
88.14% of 1585 companies
in the Banks industry
Industry Median: 10.06 vs ESQ: 19.66

Esquire Financial Holdings Return-on-Tangible-Equity Historical Data

The historical data trend for Esquire Financial Holdings's Return-on-Tangible-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Esquire Financial Holdings Return-on-Tangible-Equity Chart

Esquire Financial Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.64 13.29 18.89 22.99 20.04

Esquire Financial Holdings Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19.84 19.76 20.20 20.02 18.71

Competitive Comparison of Esquire Financial Holdings's Return-on-Tangible-Equity

For the Banks - Regional subindustry, Esquire Financial Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Esquire Financial Holdings's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Esquire Financial Holdings's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Esquire Financial Holdings's Return-on-Tangible-Equity falls into.


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Esquire Financial Holdings Return-on-Tangible-Equity Calculation

Esquire Financial Holdings's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=43.658/( (198.555+237.094 )/ 2 )
=43.658/217.8245
=20.04 %

Esquire Financial Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=45.628/( (237.094+250.724)/ 2 )
=45.628/243.909
=18.71 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2025) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


Esquire Financial Holdings  (NAS:ESQ) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Esquire Financial Holdings Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of Esquire Financial Holdings's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


Esquire Financial Holdings Business Description

Traded in Other Exchanges
N/A
Address
100 Jericho Quadrangle, Suite 100, Jericho, NY, USA, 11753
Esquire Financial Holdings Inc is a financial holding company. Through its subsidiary, the company operates as a full-service commercial bank dedicated to serving the financial needs of the legal industry and small businesses nationally, as well as commercial and retail customers in the New York metropolitan area. The Bank offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners. Banking products offered for businesses and consumers include checking, savings, money market, and time deposits; a wide range of commercial and consumer loans, as well as customary banking services. In addition, it operates a payment processing platform through third-party independent sales organizations.
Executives
Kevin C Waterhouse director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Selig Zises director C/O MANGOSOFT INC, 1500 WEST PARK DRIVE STE 190, WESTBOROUGH MA 01581
Ari P Kornhaber officer: EVP and Director of Sales 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Richard T Powers director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Joseph Melohn director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Michael Lacapria officer: Chief Financial Officer 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Todd Deutsch director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Marc D Grossman director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Robert Mitzman director 3725 SW 30TH AVENUE, FORT LAUDERDALE FL 33312
Eric S Bader officer: EVP, CFO and Treasurer 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Andrew C Sagliocca director, officer: President and CEO 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Parag Tandon officer: Chief Acctg Off and Controller 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
James F. Deutsch director C/O STERLING NATIONAL BANK, 400 RELLA BOULEVARD, MONTEBELLO NY 10901
Anthony Coelho director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Jack T Thompson director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753