Esquire Financial Holdings Named to Piper Sandler's 2025 Sm-All Stars List
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 10 2025
0mins
Source: PRnewswire
- Industry Recognition: Esquire Financial Holdings has been named to Piper Sandler's 2025 Sm-All Stars list, being one of only 24 institutions out of 316 publicly traded banks to achieve this elite status, highlighting its exceptional performance in growth, profitability, and asset quality.
- Outstanding Performance: The company outperformed industry medians on key financial metrics, demonstrating strong capabilities in earnings, loan and deposit growth, return on equity, and asset quality, which further solidifies its leading position among small-cap banks.
- Ongoing Honors: This marks Esquire's third consecutive year on the Sm-All Stars list, indicating its consistent top-tier performance in the small bank sector, reflecting a robust business model and effective risk management.
- Market Positioning: With a market capitalization between $50 million and $2.5 billion, Esquire represents the top 10% of publicly held financial institutions in the U.S., showcasing its competitive edge and market influence in the small banking sector.
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Analyst Views on ESQ
Wall Street analysts forecast ESQ stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ESQ is 115.50 USD with a low forecast of 115.00 USD and a high forecast of 116.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 105.080
Low
115.00
Averages
115.50
High
116.00
Current: 105.080
Low
115.00
Averages
115.50
High
116.00
About ESQ
Esquire Financial Holdings, Inc. is a financial holding company, which operates through its subsidiary, Esquire Bank, National Association (the Bank). The Bank is a full-service commercial bank dedicated to serving the financial needs of the legal and small business communities on a national basis, as well as commercial and retail customers in the New York metropolitan market. It 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, both on a national basis. The Bank also offers traditional banking products for businesses and consumers in its local market area. Its products offered to 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. The Bank operates a payment processing platform through third-party Independent Sales Organizations (ISOs).
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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.
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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.
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