For the quarter ended September 2026, Esquire Financial Holdings, Inc. (ESQ) reported revenue of $61.39 million, up 63.4% over the same period last year. EPS came in at $2.12, compared to $1.47 in the year-ago quarter.
The reported revenue represents a surprise of +2.5% over the Zacks Consensus Estimate of $59.9 million. With the consensus EPS estimate being $1.89, the EPS surprise was +12.17%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Esquire Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Efficiency ratio: 58.6% versus 78% estimated by two analysts on average.
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Net Interest Margin: 5.7% versus 5.6% estimated by two analysts on average.
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Total Interest Earning Assets: $3.7 billion compared to the $3.69 billion average estimate based on two analysts.
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Payment processing fees: $5.44 million versus $5.12 million estimated by two analysts on average.
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Total Non-Interest Income: $7.89 million compared to the $7.71 million average estimate based on two analysts.
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Net Interest Income: $53.51 million compared to the $52.19 million average estimate based on two analysts.
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Other noninterest income: 1.39 million versus 2.59 million estimated by two analysts on average.
View all Key Company Metrics for Esquire Financial here>>>
Shares of Esquire Financial have returned +3.5% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Esquire Financial Holdings, Inc. (ESQ) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
