Esquire Financial Holdings, Inc.
ESQ · Commercial Banks, NEC · 8.6M shares · +2%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: -$3M (gross $286K, SBC $3M)
Reference price $104.83 · est. market cap ~$906M — last insider sale, 2026-03-19 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B76Esquire Financial — niche bank serving law firms and payments, high returns.
Strengths
- ROE 17.5% (77th pct), ROA (73rd)
- Low-cost litigation/escrow deposits + merchant-payments fees
Risks
- Concentration in legal/payments verticals
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Customer concentration~25% of revenue from one customer/distributor — o Our ten largest deposit clients account for 25
- Strong balance sheetStrong balance sheet — $236M cash & investments
- Pending mergerentered into an Agreement and Plan of Merger (as may be amended, modified or supplemented from time to time in accordance with its terms, the “merger agreement”), pursuant to which Esquire and Signatu
- Insider sellingInsider selling — 13 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, ~$3M, last 6mo) Form 4 ↗
Key metrics
Return on equity
17.5%
Return on assets
2.1%
Net-income growth
16.4%
Free cash flow
$57M
Tangible book value
$290M
Cash & investments
$236M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-19 | ZISES SELIG | Sell | 3.0K | $105.00 |
| 2026-03-19 | ZISES SELIG | Sell | 2.0K | $105.25 |
| 2026-03-19 | Powers Richard T | Sell | 2.3K | $104.83 |
| 2026-03-18 | ZISES SELIG | Sell | 1.5K | $105.11 |
| 2026-03-18 | ZISES SELIG | Sell | 8.5K | $107.00 |
| 2026-03-18 | ZISES SELIG | Sell | 2.0K | $105.16 |
| 2026-03-18 | ZISES SELIG | Sell | 2.0K | $105.53 |
| 2026-03-18 | ZISES SELIG | Sell | 1.5K | $106.08 |
| 2026-03-18 | ZISES SELIG | Sell | 1.5K | $107.01 |
| 2026-03-18 | ZISES SELIG | Sell | 2.0K | $107.13 |
| 2026-03-18 | ZISES SELIG | Sell | 3.0K | $107.25 |
| 2026-03-18 | ZISES SELIG | Sell | 2.0K | $106.04 |
| 2026-03-18 | ZISES SELIG | Sell | 1.0K | $107.26 |
| 2026-01-29 | Lacapria Michael | Grant | 1.2K | — |
| 2026-01-29 | Bader Eric S | Grant | 3.5K | — |
| 2026-01-29 | Kornhaber Ari P | Grant | 5.1K | — |
| 2026-01-29 | Sagliocca Andrew C | Grant | 8.1K | — |
| 2026-01-05 | Powers Richard T | Option exercise | 1.5K | $24.90 |
| 2026-01-05 | Powers Richard T | Tax withheld | 359 | $103.79 |
| 2026-01-05 | Kornhaber Ari P | Option exercise | 11K | $12.50 |
| 2026-01-05 | Kornhaber Ari P | Option exercise | 7.5K | $12.50 |
| 2026-01-05 | Kornhaber Ari P | Tax withheld | 2.2K | $103.79 |
| 2026-01-05 | Bader Eric S | Option exercise | 14K | $12.50 |
| 2026-01-05 | Bader Eric S | Tax withheld | 1.7K | $103.79 |
| 2026-01-05 | Sagliocca Andrew C | Option exercise | 29K | $12.50 |
| 2026-01-05 | Sagliocca Andrew C | Tax withheld | 3.5K | $103.79 |
| 2025-12-19 | Bader Eric S | Tax withheld | 3.2K | $107.00 |
| 2025-12-19 | Lacapria Michael | Tax withheld | 180 | $107.00 |
| 2025-12-19 | Kornhaber Ari P | Tax withheld | 2.1K | $107.00 |
| 2025-12-19 | Sagliocca Andrew C | Tax withheld | 5.5K | $107.00 |
| 2025-12-16 | Sagliocca Andrew C | Tax withheld | 5.8K | $106.82 |
| 2025-12-16 | Bader Eric S | Tax withheld | 3.3K | $106.82 |
| 2025-12-16 | Kornhaber Ari P | Tax withheld | 2.2K | $106.82 |
| 2025-12-16 | Lacapria Michael | Tax withheld | 240 | $106.82 |
| 2025-12-10 | Powers Richard T | Grant | 753 | — |
| 2025-12-10 | ZISES SELIG | Grant | 753 | — |
| 2025-12-10 | Melohn Joseph | Grant | 753 | — |
| 2025-12-10 | Coelho Anthony | Grant | 1.8K | — |
| 2025-12-10 | Deutsch Todd | Grant | 753 | — |
| 2025-12-10 | Mitzman Robert | Grant | 753 | — |
| 2025-12-10 | Nigam Rena | Grant | 753 | — |
| 2025-12-10 | Kelly Raymond Francis | Grant | 753 | — |
| 2025-12-10 | Waterhouse Kevin C | Grant | 753 | — |
| 2025-12-09 | Lacapria Michael | Tax withheld | 300 | $104.04 |
| 2025-12-09 | Kornhaber Ari P | Tax withheld | 2.0K | $104.04 |
| 2025-12-09 | Bader Eric S | Tax withheld | 3.0K | $104.04 |
| 2025-12-09 | Sagliocca Andrew C | Tax withheld | 5.2K | $104.04 |
| 2025-08-26 | Melohn Joseph | Sell | 500 | $99.00 |
| 2025-08-26 | Melohn Joseph | Sell | 500 | $99.50 |
| 2025-08-26 | Melohn Joseph | Sell | 500 | $99.90 |
| 2025-08-26 | Melohn Joseph | Sell | 5.0K | $100.00 |
| 2025-08-26 | Melohn Joseph | Sell | 2.5K | $100.50 |
| 2025-08-25 | Melohn Joseph | Sell | 1.3K | $100.00 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.64 |
| 2025-08-22 | Melohn Joseph | Sell | 500 | $99.00 |
| 2025-08-22 | Melohn Joseph | Sell | 500 | $99.25 |
| 2025-08-22 | Melohn Joseph | Sell | 500 | $99.50 |
| 2025-08-22 | Melohn Joseph | Sell | 7.5K | $100.00 |
| 2025-08-22 | Melohn Joseph | Sell | 2.0K | $100.00 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.54 |
| 2025-08-22 | ZISES SELIG | Sell | 1.0K | $99.76 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.80 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.94 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $100.00 |
| 2025-08-22 | ZISES SELIG | Sell | 1.0K | $99.45 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.53 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.57 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.64 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.67 |
| 2025-08-22 | ZISES SELIG | Sell | 1.5K | $99.94 |
| 2025-08-12 | Coelho Anthony | Option exercise | 22K | $12.50 |
| 2025-08-12 | Coelho Anthony | Tax withheld | 2.8K | $97.88 |
| 2025-07-31 | ZISES SELIG | Sell | 1.0K | $95.20 |
| 2025-07-31 | ZISES SELIG | Sell | 1.0K | $95.25 |
| 2025-07-31 | ZISES SELIG | Sell | 1.5K | $95.31 |
| 2025-07-31 | ZISES SELIG | Sell | 1.5K | $95.67 |
| 2025-07-25 | Mitzman Robert | Option exercise | 20K | $12.50 |
| 2025-07-24 | Deutsch Todd | Option exercise | 20K | $12.50 |
| 2025-07-24 | Deutsch Todd | Tax withheld | 2.4K | $104.78 |
| 2025-06-18 | Melohn Joseph | Gift | 1.0K | — |
| 2025-05-21 | Powers Richard T | Gift | 350 | — |
| 2025-04-29 | ZISES SELIG | Sell | 1.5K | $83.95 |
| 2025-04-29 | ZISES SELIG | Sell | 1.5K | $84.00 |
| 2025-04-29 | ZISES SELIG | Sell | 2.0K | $84.02 |
| 2025-04-29 | ZISES SELIG | Sell | 2.0K | $83.95 |
| 2025-04-29 | ZISES SELIG | Sell | 2.0K | $84.00 |
| 2025-04-29 | ZISES SELIG | Sell | 2.0K | $84.30 |
| 2025-04-29 | ZISES SELIG | Sell | 2.0K | $84.34 |
| 2025-04-29 | Waterhouse Kevin C | Sell | 1.5K | $83.76 |
| 2025-04-29 | Waterhouse Kevin C | Sell | 1.5K | $83.98 |
| 2025-04-28 | Kornhaber Ari P | Sell | 18K | $83.45 |
| 2025-04-28 | Kornhaber Ari P | Sell | 1.6K | $84.25 |
| 2025-04-21 | Mitzman Robert | Option exercise | 22K | $12.50 |
| 2025-02-28 | ZISES SELIG | Sell | 3.0K | $77.70 |
| 2025-02-28 | ZISES SELIG | Sell | 1.0K | $76.70 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $76.97 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $77.20 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $77.30 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $77.60 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $77.65 |
| 2025-02-28 | ZISES SELIG | Sell | 1.0K | $77.67 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $77.75 |
| 2025-02-28 | ZISES SELIG | Sell | 4.5K | $77.80 |
| 2025-02-28 | ZISES SELIG | Sell | 1.5K | $78.32 |
| 2025-02-06 | Powers Richard T | Sell | 1.4K | $86.99 |
| 2025-01-30 | Lacapria Michael | Grant | 912 | — |
| 2025-01-30 | Bader Eric S | Grant | 4.4K | — |
| 2025-01-30 | Sagliocca Andrew C | Grant | 8.7K | — |
| 2025-01-30 | Kornhaber Ari P | Grant | 5.5K | — |
| 2025-01-28 | Powers Richard T | Tax withheld | 336 | $85.82 |
| 2025-01-28 | Powers Richard T | Option exercise | 1.5K | $19.25 |
| 2025-01-15 | Kornhaber Ari P | Option exercise | 18K | $12.50 |
| 2025-01-15 | Bader Eric S | Option exercise | 15K | $12.50 |
| 2025-01-15 | Bader Eric S | Tax withheld | 2.3K | $83.24 |
| 2025-01-15 | Sagliocca Andrew C | Option exercise | 29K | $12.50 |
| 2025-01-15 | Sagliocca Andrew C | Tax withheld | 4.4K | $83.24 |
| 2025-01-15 | Kornhaber Ari P | Tax withheld | 2.7K | $83.24 |
| 2024-12-31 | ZISES SELIG | Gift | 900 | — |
| 2024-12-31 | ZISES SELIG | Gift | 900 | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-24 | Shareholder voteOtherExhibits | filing ↗ |
| 2026-06-09 | OtherExhibits | filing ↗ |
| 2026-05-28 | Shareholder vote | filing ↗ |
| 2026-04-30 | OtherExhibits | filing ↗ |
| 2026-04-23 | ResultsReg FDExhibits | filing ↗ |
| 2026-04-02 | Exec/director changeExhibits | filing ↗ |
| 2026-03-12 | Material agreementOtherExhibits | filing ↗ |
| 2026-02-02 | OtherExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-24 | 2026-06-23 | 0001104659-26-077082 ↗ |
| 8-K | 2026-06-09 | 2026-06-09 | 0001104659-26-071835 ↗ |
| 8-K | 2026-05-28 | 2026-05-28 | 0000943374-26-000216 ↗ |
| 10-Q | 2026-05-11 | 2026-03-31 | 0001104659-26-058451 ↗ |
| 8-K | 2026-04-30 | 2026-04-30 | 0001104659-26-053015 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001104659-26-047290 ↗ |
| 8-K | 2026-04-02 | 2026-03-31 | 0001104659-26-038894 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0001104659-26-027706 ↗ |
| 8-K | 2026-03-12 | 2026-03-11 | 0001104659-26-026781 ↗ |
| 8-K | 2026-02-02 | 2026-01-30 | 0001104659-26-009293 ↗ |
| 8-K | 2026-01-30 | 2026-01-28 | 0001104659-26-008653 ↗ |
| 8-K | 2026-01-22 | 2026-01-22 | 0001104659-26-005642 ↗ |