Company Reports Q4 NII of $33.3M
Reports Q4 NII $33.3M, consensus $31.94M. Q4 net interest margin was 6.05% from 6.04% in the previous quarter. Book value per share was $33.86 vs. $32.60 at previous quarter end. Common equity tier 1 capital ratio was 14.18% vs. 15.27% in the previous quarter. "Despite our industry leading performance metrics and the associated industry accolades in 2025, we continue to remain steadfast in serving two vast, complex, fragmented, and significantly underserved national markets, both the litigation and payments verticals, with tailored tech-enabled financial solutions and data that support our clients' unique businesses and growth objectives," stated Tony Coelho, Chairman of the Board. "By continuously expanding our knowledge of the markets we serve, investing in technology and the client experience, and cultivating key national regions through our senior business development officers and best-in-class client service, we are confident that we will grow and perform commensurate with our 2025 results," stated Andrew C. Sagliocca, CEO. "Our culture and goals are aligned; we will continue to generate best-in-class products, technology and client service to meet the needs and wants of the businesses we serve nationally as well as industry leading growth, performance, and financial metrics for the benefit of all stakeholders."
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Esquire Financial Reports $50.8M Net Income for 2025 with Significant Loan Growth
- Net Income Growth: Esquire Financial's net income for 2025 reached $50.8 million, with diluted earnings per share at $5.87, significantly up from $43.7 million and $5.14 in 2024, reflecting the company's strong performance and profitability in complex markets.
- Significant Loan and Deposit Growth: As of December 31, 2025, total loans increased to $1.76 billion, a 25.9% rise, with litigation-related loans growing by 41.0%, while total deposits also rose by 25.6% to $2.06 billion, indicating strong demand and client trust in the company.
- Interest Income Enhancement: Net interest income for 2025 increased by $21.6 million to $121.5 million, primarily driven by growth in average interest-earning assets and improved loan yields, demonstrating the company's ongoing optimization in interest income and market competitiveness.
- Cost Control and Efficiency Improvement: Although non-interest expenses rose to $71.2 million, a 17.1% increase, the company's efficiency ratio remained at 48.6%, indicating effective cost management while expanding operations and enhancing overall operational efficiency.
Esquire Financial Reports 16.4% Net Income Growth to $50.8 Million in 2025
- Net Income Growth: Esquire Financial's net income increased by 16.4% to $50.8 million in 2025, despite a $5 million rise in credit loss provisions, demonstrating the company's resilience and profitability in a complex economic environment.
- Significant Loan and Deposit Growth: In 2025, commercial litigation-related loans grew by $342.5 million, driving total loans up by 25.9% to $1.76 billion, while core deposits increased by $428.7 million, reflecting strong market demand and customer trust in the company.
- Interest Income Enhancement: Net interest income rose by 21.6% to $121.5 million in 2025, primarily due to a 22.4% increase in average interest-earning assets, showcasing the company's adaptability and profitability strategies amid changing interest rate environments.
- Operational Efficiency: Despite a 21.5% increase in non-interest expenses to $19.1 million, Esquire Financial maintained an efficiency ratio of 48.4%, indicating a successful balance between ongoing investments and cost control.
