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Esquire Financial Holdings, Inc.（ESQ）与VersaBank（VBNK）财务数据对比。点击上方公司名可切换其他公司
Esquire Financial Holdings, Inc.的季度营收约是VersaBank的1.5倍（$40.5M vs $26.7M）。VersaBank净利率更高（30.3% vs 30.2%，领先0.1%）。过去两年Esquire Financial Holdings, Inc.的营收复合增速更高（29.0% vs 12.5%）
Esquire Financial Holdings是一家总部位于美国的银行控股公司，提供全面的商业及零售银行服务，核心业务包含存款账户、企业贷款、按揭服务及财富管理解决方案，主要服务中小型企业、法律行业从业者及当地零售客户。
VersaBank是总部位于加拿大的数字优先金融机构，不设实体线下网点，依托安全数字基础设施为北美地区的中小企业、零售客户及机构合作伙伴提供商业贷款、高息存款账户等定制金融服务，主打高效高性价比的线上银行体验。
ESQ vs VBNK — 直观对比
营收规模更大
ESQ
是对方的1.5倍
$26.7M
净利率更高
VBNK
高出0.1%
30.2%
两年增速更快
ESQ
近两年复合增速
12.5%
损益表 — Q1 2026 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $40.5M | $26.7M |
| 净利润 | $12.2M | $8.1M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 30.2% | 30.3% |
| 营收同比 | — | 31.2% |
| 净利润同比 | 7.0% | 35.9% |
| 每股收益（稀释后） | $1.40 | — |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ESQVBNK
| Q1 26 | $40.5M | $26.7M | ||
| Q4 25 | $33.3M | — | ||
| Q3 25 | $31.3M | $23.1M | ||
| Q2 25 | $29.3M | $22.0M | ||
| Q1 25 | $27.6M | $20.3M | ||
| Q4 24 | $26.9M | $29.2K | ||
| Q3 24 | $25.9M | $19.7M | ||
| Q2 24 | $24.3M | $20.8M |
净利润ESQVBNK
| Q1 26 | $12.2M | $8.1M | ||
| Q4 25 | $13.5M | — | ||
| Q3 25 | $14.1M | $4.8M | ||
| Q2 25 | $11.9M | $6.2M | ||
| Q1 25 | $11.4M | $5.9M | ||
| Q4 24 | $11.8M | — | ||
| Q3 24 | $11.4M | $7.1M | ||
| Q2 24 | $10.5M | $8.6M |
营业利润率ESQVBNK
| Q1 26 | — | — | ||
| Q4 25 | 52.4% | — | ||
| Q3 25 | 55.7% | — | ||
| Q2 25 | 52.1% | — | ||
| Q1 25 | 56.2% | — | ||
| Q4 24 | 58.3% | — | ||
| Q3 24 | 60.2% | — | ||
| Q2 24 | 59.1% | — |
净利率ESQVBNK
| Q1 26 | 30.2% | 30.3% | ||
| Q4 25 | 40.5% | — | ||
| Q3 25 | 44.9% | 20.8% | ||
| Q2 25 | 40.6% | 28.3% | ||
| Q1 25 | 41.3% | 29.3% | ||
| Q4 24 | 43.7% | — | ||
| Q3 24 | 43.9% | 35.9% | ||
| Q2 24 | 43.1% | 41.5% |
每股收益（稀释后）ESQVBNK
| Q1 26 | $1.40 | — | ||
| Q4 25 | $1.54 | — | ||
| Q3 25 | $1.62 | — | ||
| Q2 25 | $1.38 | — | ||
| Q1 25 | $1.33 | — | ||
| Q4 24 | $1.35 | — | ||
| Q3 24 | $1.34 | — | ||
| Q2 24 | $1.25 | — |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $222.2M | $458.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $301.3M | $396.4M |
| 总资产 | $2.4B | $4.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ESQVBNK
| Q1 26 | $222.2M | $458.4M | ||
| Q4 25 | $235.9M | — | ||
| Q3 25 | $240.8M | $336.0M | ||
| Q2 25 | $163.0M | $248.3M | ||
| Q1 25 | $173.0M | $282.3M | ||
| Q4 24 | $126.3M | — | ||
| Q3 24 | $147.7M | $181.0M | ||
| Q2 24 | $152.7M | $145.1M |
股东权益ESQVBNK
| Q1 26 | $301.3M | $396.4M | ||
| Q4 25 | $289.6M | — | ||
| Q3 25 | $279.2M | $385.5M | ||
| Q2 25 | $263.6M | $385.7M | ||
| Q1 25 | $250.7M | $380.5M | ||
| Q4 24 | $237.1M | — | ||
| Q3 24 | $232.6M | $298.6M | ||
| Q2 24 | $217.4M | $292.1M |
总资产ESQVBNK
| Q1 26 | $2.4B | $4.5B | ||
| Q4 25 | $2.4B | — | ||
| Q3 25 | $2.2B | $4.0B | ||
| Q2 25 | $2.1B | $3.7B | ||
| Q1 25 | $2.0B | $3.6B | ||
| Q4 24 | $1.9B | $226.3K | ||
| Q3 24 | $1.8B | $3.3B | ||
| Q2 24 | $1.7B | $3.2B |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $40.6M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 5.03× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ESQVBNK
| Q1 26 | — | $40.6M | ||
| Q4 25 | $16.8M | — | ||
| Q3 25 | $16.8M | — | ||
| Q2 25 | $10.5M | — | ||
| Q1 25 | $15.8M | $-65.0M | ||
| Q4 24 | $11.7M | — | ||
| Q3 24 | $10.5M | — | ||
| Q2 24 | $7.2M | — |
自由现金流ESQVBNK
| Q1 26 | — | — | ||
| Q4 25 | $16.5M | — | ||
| Q3 25 | $16.2M | — | ||
| Q2 25 | $9.3M | — | ||
| Q1 25 | $14.7M | — | ||
| Q4 24 | $11.6M | — | ||
| Q3 24 | $10.5M | — | ||
| Q2 24 | $6.9M | — |
自由现金流率ESQVBNK
| Q1 26 | — | — | ||
| Q4 25 | 49.4% | — | ||
| Q3 25 | 51.8% | — | ||
| Q2 25 | 31.9% | — | ||
| Q1 25 | 53.1% | — | ||
| Q4 24 | 43.1% | — | ||
| Q3 24 | 40.5% | — | ||
| Q2 24 | 28.3% | — |
资本支出强度ESQVBNK
| Q1 26 | — | — | ||
| Q4 25 | 1.0% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 4.0% | — | ||
| Q1 25 | 4.2% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 1.4% | — |
现金转化率ESQVBNK
| Q1 26 | — | 5.03× | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 1.19× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 1.39× | -10.94× | ||
| Q4 24 | 0.99× | — | ||
| Q3 24 | 0.93× | — | ||
| Q2 24 | 0.69× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ESQ
| Net Interest Income | $34.0M | 84% |
| Noninterest Income | $6.5M | 16% |
VBNK
暂无分部数据
