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Side-by-side financial comparison of Esquire Financial Holdings, Inc. (ESQ) and TRUSTCO BANK CORP N Y (TRST). Click either name above to swap in a different company.
TRUSTCO BANK CORP N Y is the larger business by last-quarter revenue ($49.5M vs $40.5M, roughly 1.2× Esquire Financial Holdings, Inc.). TRUSTCO BANK CORP N Y runs the higher net margin — 32.9% vs 30.2%, a 2.7% gap on every dollar of revenue. Over the past eight quarters, Esquire Financial Holdings, Inc.'s revenue compounded faster (15.0% CAGR vs 6.8%).
Esquire Financial Holdings, Inc. is a U.S.-headquartered bank holding company that provides comprehensive commercial and consumer banking products and services. Its core offerings include deposit accounts, business loans, mortgage services, and wealth management solutions, primarily serving small to medium enterprises, legal industry professionals, and local retail clients.
TRUSTCO BANK CORP N Y is a regional U.S. financial holding company that provides a full suite of retail and commercial banking products and services, including personal deposit accounts, mortgage loans, small business financing, and wealth management solutions. It primarily operates across New York, Florida, and several other U.S. states, serving individual consumers and small business client segments.
ESQ vs TRST — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $40.5M | $49.5M |
| Net Profit | $12.2M | $16.3M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 30.2% | 32.9% |
| Revenue YoY | — | — |
| Net Profit YoY | 7.0% | 14.1% |
| EPS (diluted) | $1.40 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $40.5M | $49.5M | ||
| Q4 25 | $39.4M | $48.2M | ||
| Q3 25 | $37.6M | $47.8M | ||
| Q2 25 | $35.8M | $46.6M | ||
| Q1 25 | $33.8M | $45.3M | ||
| Q4 24 | $33.1M | $43.3M | ||
| Q3 24 | $31.9M | $43.6M | ||
| Q2 24 | $30.6M | $43.4M |
| Q1 26 | $12.2M | $16.3M | ||
| Q4 25 | $13.5M | $15.6M | ||
| Q3 25 | $14.1M | $16.3M | ||
| Q2 25 | $11.9M | $15.0M | ||
| Q1 25 | $11.4M | $14.3M | ||
| Q4 24 | $11.8M | $11.3M | ||
| Q3 24 | $11.4M | $12.9M | ||
| Q2 24 | $10.5M | $12.6M |
| Q1 26 | — | — | ||
| Q4 25 | 44.3% | 43.7% | ||
| Q3 25 | 46.5% | 44.6% | ||
| Q2 25 | 42.5% | 42.3% | ||
| Q1 25 | 45.9% | 41.3% | ||
| Q4 24 | 47.4% | 34.0% | ||
| Q3 24 | 48.8% | 38.8% | ||
| Q2 24 | 46.9% | 37.9% |
| Q1 26 | 30.2% | 32.9% | ||
| Q4 25 | 34.2% | 32.3% | ||
| Q3 25 | 37.4% | 34.0% | ||
| Q2 25 | 33.2% | 32.3% | ||
| Q1 25 | 33.8% | 31.5% | ||
| Q4 24 | 35.6% | 26.0% | ||
| Q3 24 | 35.6% | 29.5% | ||
| Q2 24 | 34.3% | 28.9% |
| Q1 26 | $1.40 | — | ||
| Q4 25 | $1.54 | $0.85 | ||
| Q3 25 | $1.62 | $0.86 | ||
| Q2 25 | $1.38 | $0.79 | ||
| Q1 25 | $1.33 | $0.75 | ||
| Q4 24 | $1.35 | $0.59 | ||
| Q3 24 | $1.34 | $0.68 | ||
| Q2 24 | $1.25 | $0.66 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $222.2M | — |
| Total DebtLower is stronger | — | $112.9M |
| Stockholders' EquityBook value | $301.3M | $670.9M |
| Total Assets | $2.4B | $6.5B |
| Debt / EquityLower = less leverage | — | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $222.2M | — | ||
| Q4 25 | $235.9M | $730.4M | ||
| Q3 25 | $240.8M | $695.6M | ||
| Q2 25 | $163.0M | $713.6M | ||
| Q1 25 | $173.0M | $756.1M | ||
| Q4 24 | $126.3M | $641.8M | ||
| Q3 24 | $147.7M | $523.0M | ||
| Q2 24 | $152.7M | $536.1M |
| Q1 26 | — | $112.9M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $301.3M | $670.9M | ||
| Q4 25 | $289.6M | $686.6M | ||
| Q3 25 | $279.2M | $692.0M | ||
| Q2 25 | $263.6M | $692.8M | ||
| Q1 25 | $250.7M | $687.8M | ||
| Q4 24 | $237.1M | $676.3M | ||
| Q3 24 | $232.6M | $669.0M | ||
| Q2 24 | $217.4M | $655.2M |
| Q1 26 | $2.4B | $6.5B | ||
| Q4 25 | $2.4B | $6.4B | ||
| Q3 25 | $2.2B | $6.3B | ||
| Q2 25 | $2.1B | $6.3B | ||
| Q1 25 | $2.0B | $6.3B | ||
| Q4 24 | $1.9B | $6.2B | ||
| Q3 24 | $1.8B | $6.1B | ||
| Q2 24 | $1.7B | $6.1B |
| Q1 26 | — | 0.17× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ESQ
| Net Interest Income | $34.0M | 84% |
| Noninterest Income | $6.5M | 16% |
TRST
| Net Interest Income | $44.7M | 90% |
| Noninterest Income | $4.8M | 10% |
