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Cash Flow Overview

Change in Cash
$19,962K
Free Cash flow
$14,354K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Principal repayments on securiti...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net change in loans
    • Other assets
    • Cash dividends paid to common st...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
12,978
12,211
13,468
14,057
Provision for credit losses
2,900
2,700
2,900
1,750
Depreciation and amortization of premises and equipment
371
370
369
325
Stock compensation expense
1,680
2,042
1,369
1,303
Net gain on equity investments
-
-
0
0
Deferred tax benefit
-
-
-20
-
Securities
97
112
112
109
Loans
-39
30
29
27
Right of use asset
186
185
185
190
Software
491
436
367
424
Accrued interest receivable
267
665
951
598
Other assets
4,046
2,037
-2,308
3,125
Operating lease liability
-237
-233
-220
-227
Accrued expenses and other liabilities
324
4,420
-3,105
2,569
Net cash provided by operating activities
14,516
19,511
16,793
16,750
Net change in loans
88,936
59,815
211,415
39,047
Purchases of securities available-for-sale
0
29,710
9,128
7,402
Principal repayments on securities available-for-sale
17,315
17,103
19,549
10,622
Principal repayments on securities held-to-maturity
2,190
1,858
2,071
2,156
Purchases of securities, restricted
23
-
0
0
Proceeds from equity investment
-
-
0
0
Purchase of equity investment
-
-
0
0
Purchases of premises and equipment
162
180
340
505
Development of capitalized software
391
447
357
873
Net cash used in investing activities
-70,007
-71,191
-199,620
-35,049
Net increase in deposits
77,125
39,561
183,567
97,112
Decrease in borrowings
0
1
0
1
Exercise of stock options, net of repurchases
151
111
12
395
Tax withholding payments for vested equity awards
153
-
3,988
-
Cash dividends paid to common stockholders
1,670
1,657
1,636
1,421
Net cash provided by financing activities
75,453
38,014
177,955
96,085
Increase (decrease) in cash and cash equivalents
19,962
-13,666
-4,872
77,786
Cash and cash equivalents at beginning of the period
222,221
235,887
240,759
126,329
Cash and cash equivalents at end of the period
242,183
222,221
235,887
240,759
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$77,125K (-44.95%↓ Y/Y)Net income$12,978K (-44.29%↓ Y/Y)Provision for creditlosses$2,900K (-42.29%↓ Y/Y)Exercise of stockoptions, net of...$151K (-68.54%↓ Y/Y)Stock compensationexpense$1,680K (-26.32%↓ Y/Y)Software$491K (-47.03%↓ Y/Y)Depreciation andamortization of premises and...$371K (-29.20%↓ Y/Y)Accrued expenses andother liabilities$324K (-73.11%↓ Y/Y)Right of use asset$186K (-50.13%↓ Y/Y)Securities$97K (-60.89%↓ Y/Y)Loans-$39K (-173.58%↓ Y/Y)Net cash provided byfinancing activities$75,453K (-45.23%↓ Y/Y)Net cash provided byoperating activities$14,516K (-44.80%↓ Y/Y)Canceled cashflow$1,823K Canceled cashflow$4,550K Increase (decrease) incash and cash...$19,962K (-45.52%↓ Y/Y)Canceled cashflow$70,007K Cash dividends paidto common...$1,670K (-40.44%↓ Y/Y)Tax withholdingpayments for vested...$153K Principal repayments onsecurities...$17,315K (-13.81%↓ Y/Y)Principal repayments onsecurities...$2,190K (-47.10%↓ Y/Y)Other assets$4,046K (-28.86%↓ Y/Y)Accrued interestreceivable$267K (-72.39%↓ Y/Y)Operating lease liability-$237K (46.50%↑ Y/Y)Net cash used ininvesting activities-$70,007K (45.06%↑ Y/Y)Canceled cashflow$19,505K Net change in loans$88,936K (-24.29%↓ Y/Y)Development of capitalizedsoftware$391K (-67.17%↓ Y/Y)Purchases of premises andequipment$162K (-93.01%↓ Y/Y)Purchases of securities,restricted$23K (-83.45%↓ Y/Y)

Esquire Financial Holdings, Inc. (ESQ)

Esquire Financial Holdings, Inc. (ESQ)