Esquire Financial Holdings (ESQ) Times Interest Earned (2016 - 2026)
Esquire Financial Holdings (ESQ) posted Times Interest Earned of 4.26 for Q2 2026, down 3.1% on a QoQ basis from 4.4 in Q1 2026, and down 6.49% year-over-year from 4.56 in Q2 2025.
Analysis
Esquire Financial Holdings (ESQ) Times Interest Earned (2016 - 2026) Analysis & Trends
Esquire Financial Holdings has reported Times Interest Earned for 11 years, with the latest figure at 4.26 in Q2 2026.
- On a quarterly basis, Times Interest Earned fell 6.49% year-over-year to 4.26 in Q2 2026; TTM through Jun 2026 was 4.45, a 11.67% decrease from a year earlier, with the FY2025 full-year figure at 4.66, down 13.85% from the prior year.
- Times Interest Earned was 4.26 for Q2 2026 at Esquire Financial Holdings, down from 4.4 in the prior quarter.
- The five-year high for Times Interest Earned was 31.64 in Q2 2022, with the low at 4.26 in Q2 2026.
- Average Times Interest Earned over 5 years is 10.76, with a median of 5.68 recorded in 2023.
- The sharpest annual moves came in 2022 and 2023: Times Interest Earned surged 50.77% in 2022, then plunged 76.77% in 2023.
- Over 5 years, Times Interest Earned stood at 18.39 in 2022, then sank by 69.16% to 5.67 in 2023, then retreated by 11.5% to 5.02 in 2024, then declined by 10.03% to 4.52 in 2025, then declined by 5.58% to 4.26 in 2026.
- The last three Times Interest Earned figures came in at 4.26 (Q2 2026), 4.4 (Q1 2026), and 4.52 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 948.96 Bn | 948.96 Bn | - | 0.09 |
| 2 | Truist Financial | 61.64 Bn | 61.64 Bn | - | 1.77 |
| 3 | Fifth Third Bancorp | 49.62 Bn | 25.89 Bn | - | 1.90 |
| 4 | M&T Bank | 34.88 Bn | 34.88 Bn | - | 2.28 |
| 5 | Huntington Bancshares | 33.82 Bn | 29.29 Bn | - | 1.67 |
| 6 | Citizens Financial | 29.46 Bn | 29.46 Bn | - | 1.83 |
| 7 | Regions Financial | 25.57 Bn | 25.57 Bn | - | 2.52 |
| 8 | First Citizens Bancshares | 25.00 Bn | 24.48 Bn | 29.00 Mn | -1.27 |
| 9 | Keycorp | 23.27 Bn | -24.42 Bn | - | 1.80 |
| 10 | Esquire Financial Holdings | 984.06 Mn | 741.88 Mn | - | 4.26 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 4.26 |
| Mar 31, 2026 | 4.40 |
| Dec 31, 2025 | 4.52 |
| Sep 30, 2025 | 4.64 |
| Jun 30, 2025 | 4.56 |
| Mar 31, 2025 | 4.97 |
| Dec 31, 2024 | 5.02 |
| Sep 30, 2024 | 5.75 |
| Jun 30, 2024 | 5.69 |
| Mar 31, 2024 | 5.26 |
| Dec 31, 2023 | 5.67 |
| Sep 30, 2023 | 7.11 |
| Jun 30, 2023 | 7.35 |
| Mar 31, 2023 | 16.40 |
| Dec 31, 2022 | 18.39 |
| Sep 30, 2022 | 26.40 |
| Jun 30, 2022 | 31.64 |
| Mar 31, 2022 | 31.54 |
| Dec 31, 2021 | 33.74 |
| Sep 30, 2021 | 17.51 |