Esquire Financial Holdings, Inc. (ESQ Quick QuoteESQ - Free Report) reported $39.4 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 19.2%. EPS of $1.55 for the same period compares to $1.37 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $38.15 million, representing a surprise of +3.27%. The company delivered an EPS surprise of -0.32%, with the consensus EPS estimate being $1.56.

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:

• Efficiency ratio: 48.4% compared to the 48.6% average estimate based on two analysts.
• Net Interest Margin: 6.1% versus 6% estimated by two analysts on average.
• Total Interest Earning Assets: $2.18 billion versus the two-analyst average estimate of $2.12 billion.
• Payment processing fees: $5.13 million versus $5.02 million estimated by two analysts on average.
• Total Non-Interest Income: $6.12 million versus the two-analyst average estimate of $6.15 million.
• Net Interest Income: $33.28 million compared to the $32 million average estimate based on two analysts.

View all Key Company Metrics for Esquire Financial here>>>

Shares of Esquire Financial have returned +3.4% over the past month versus the Zacks S&P 500 composite's +0.7% 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.