Esquire Financial Holdings, Inc.

For the period ended Sep 30, 2026. Filed Nov 9, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 9, 2026

ESQ$131.84-1.2%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statements of Cash Flows

(Dollars in thousands)


· · Nine Months Ended September 30,
· · 2026 · · 2025
Cash flows from operating activities:
Net income	$42,671	$37,354
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	7,400	6,775
Depreciation of premises and equipment	1,110	849
Stock compensation expense	5,457	3,583
Gain on equity investment	—	(432)
Net amortization (accretion):
Securities	285	357
Loans	(842)	(80)
Right of use asset	930	563
Software	1,420	1,351
Core deposit intangible	1,827	—
Changes in other assets and liabilities:
Accrued interest receivable	(2,320)	(1,565)
Other assets	(12,947)	(8,812)
Operating lease liability	(1,167)	(670)
Accrued expenses and other liabilities	3,403	3,774
Net cash provided by operating activities	47,227	43,047
Cash flows from investing activities:
Net change in loans	(289,618)	(156,514)
Purchases of securities available-for-sale	(276,678)	(38,471)
Proceeds from sales of securities available-for-sale	340,036	—
Principal repayments on securities available-for-sale	51,024	30,712
Principal repayments on securities held-to-maturity	6,126	6,296
Purchases of securities, restricted	(5,444)	(139)
Redemption of securities, restricted	969	—
Proceeds from equity investment	—	1,232
Purchase of equity investment	—	(700)
Purchases of premises and equipment	(500)	(2,821)
Development of capitalized software	(1,276)	(2,064)
Cash acquired in Merger, net of cash consideration paid	104,758	—
Net cash used in investing activities	(70,603)	(162,469)
Cash flows from financing activities:
Net increase in deposits	263,789	237,204
Decrease in borrowings	(2)	(2)
Exercise of stock options, net of repurchases	1,036	875
Tax withholding payments for vested equity awards	(153)	—
Cash dividends paid to common stockholders	(5,680)	(4,225)
Net cash provided by financing activities	258,990	233,852
Increase in cash and cash equivalents	235,614	114,430
Cash and cash equivalents at beginning of the period	235,887	126,329
Cash and cash equivalents at end of the period	$471,501	$240,759

Supplemental disclosures of cash flow information:
Cash paid during the period for:
Interest	$19,641	$12,980
Taxes	10,463	15,835
Noncash transactions:
Dividends declared but not paid	227	240
Securities purchased but not yet settled	—	(9,129)

Supplemental disclosures of noncash activities:
Merger (See Note 2 - Business Combination):
Fair value of non-cash assets acquired	$2,037,783	$—
Fair value of liabilities assumed	1,676,476	—

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.