Overview Dividends

(ESQ) Esquire Financial Holdings - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US29667J1016

Banking, Lending, Deposits, Commercial

ESQ EPS (Earnings per Share)

EPS (Earnings per Share) of ESQ over the last years for every Quarter: "2020-09-30": 0.48, "2020-12-31": 0.51, "2021-03-31": 0.53, "2021-06-30": 0.57, "2021-09-30": 0.63, "2021-12-31": 0.69, "2022-03-31": 0.66, "2022-06-30": 0.78, "2022-09-30": 0.94, "2022-12-31": 1.1, "2023-03-31": 1.11, "2023-06-30": 1.1, "2023-09-30": 1.17, "2023-12-31": 1.18, "2024-03-31": 1.2, "2024-06-30": 1.25, "2024-09-30": 1.34, "2024-12-31": 1.37, "2025-03-31": 1.33, "2025-06-30": 1.38,
EPS Growth (3Y CAGR): 14.98%
EPS Trend (3Y Correlation): 95.1%

ESQ Revenue

Revenue of ESQ over the last years for every Quarter: 2020-09-30: 13.38, 2020-12-31: 14.783, 2021-03-31: 15.712, 2021-06-30: 16.327, 2021-09-30: 16.417, 2021-12-31: 17.099, 2022-03-31: 17.526, 2022-06-30: 20.164, 2022-09-30: 22.392, 2022-12-31: 25.835, 2023-03-31: 30.627, 2023-06-30: 28.75, 2023-09-30: 30.429, 2023-12-31: 31.833, 2024-03-31: 32.462, 2024-06-30: 33.66, 2024-09-30: 35.193, 2024-12-31: 36.953, 2025-03-31: 37.664, 2025-06-30: -24.936,
Revenue Growth (3Y CAGR): -99.99%
Revenue Trend (3Y Correlation): -42.7%

Description: ESQ Esquire Financial Holdings

Esquire Financial Holdings Inc (NASDAQ:ESQ) is a U.S.-based common stock operating in the Regional Banks sub‑industry, exposing it to localized economic cycles, commercial real‑estate exposure, and community‑bank loan portfolios.

The stock trades with a low beta of 0.57, indicating muted price volatility relative to the market. Its average true range of 2.24% reflects modest intraday price swings, while the 52‑week price band of $58.98 to $104.59 defines a roughly 77% upside potential from the current low.

Key performance indicators for a regional bank of this size typically include net interest margin (NIM) in the 3–4% range, loan‑to‑deposit ratio around 80–85%, return on equity (ROE) between 9–12%, and a Tier 1 capital ratio above 12%. Recent quarterly filings show EPS growth of ~6% YoY, a modest increase in non‑performing loans (NPL) to 0.9% of total loans, and a credit cost ratio near 0.5%.

Primary economic drivers are the Federal Reserve’s policy rate trajectory, which directly impacts NIM, and regional housing market health, influencing mortgage loan performance. Additionally, credit quality is sensitive to local employment trends and commercial‑real‑estate exposure, making macro‑level GDP growth and consumer confidence pivotal for earnings stability.

ESQ Stock Overview

Market Cap in USD 827m
Sub-Industry Regional Banks
IPO / Inception 2017-06-27

ESQ Stock Ratings

Growth Rating 95.9%
Fundamental 62.5%
Dividend Rating 62.5%
Return 12m vs S&P 500 33.4%
Analyst Rating 3.33 of 5

ESQ Dividends

Dividend Yield 12m 0.75%
Yield on Cost 5y 4.37%
Annual Growth 5y 28.92%
Payout Consistency 100.0%
Payout Ratio 12.5%

ESQ Growth Ratios

Growth Correlation 3m 27.7%
Growth Correlation 12m 88.4%
Growth Correlation 5y 98.2%
CAGR 5y 37.52%
CAGR/Max DD 3y 1.51
CAGR/Mean DD 3y 5.44
Sharpe Ratio 12m 2.56
Alpha 47.81
Beta 0.782
Volatility 27.50%
Current Volume 40.9k
Average Volume 20d 48.4k
Stop Loss 94.7 (-3.1%)
Signal 0.50

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (46.4m TTM) > 0 and > 6% of Revenue (6% = 5.09m TTM)
FCFTA 0.02 (>2.0%) and ΔFCFTA -0.46pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -1440 % (prev -894.3%; Δ -545.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.02 (>3.0%) and CFO 48.5m > Net Income 46.4m (YES >=105%, WARN >=100%)
Net Debt (-163.0m) to EBITDA (64.5m) ratio: -2.53 <= 3.0 (WARN <= 3.5)
Current Ratio 0.26 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (8.62m) change vs 12m ago 2.59% (target <= -2.0% for YES)
Gross Margin 75.64% (prev 87.50%; Δ -11.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 4.50% (prev 7.48%; Δ -2.99pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 4.10 (EBITDA TTM 64.5m / Interest Expense TTM 15.4m) >= 6 (WARN >= 3)

Altman Z'' 1.68

(A) -0.59 = (Total Current Assets 420.3m - Total Current Liabilities 1.64b) / Total Assets 2.06b
(B) 0.08 = Retained Earnings (Balance) 173.3m / Total Assets 2.06b
(C) 0.03 = EBIT TTM 62.9m / Avg Total Assets 1.89b
(D) 4.83 = Book Value of Equity 8.67b / Total Liabilities 1.80b
Total Rating: 1.68 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 62.47

1. Piotroski 3.50pt = -1.50
2. FCF Yield 10.32% = 5.0
3. FCF Margin 51.19% = 7.50
4. Debt/Equity 0.05 = 2.50
5. Debt/Ebitda 0.22 = 2.46
6. ROIC - WACC -5.29% = -6.61
7. RoE 18.87% = 1.57
8. Rev. Trend -42.71% = -3.20
9. EPS Trend 95.08% = 4.75

What is the price of ESQ shares?

As of September 16, 2025, the stock is trading at USD 97.71 with a total of 40,854 shares traded.
Over the past week, the price has changed by -0.45%, over one month by +2.26%, over three months by +8.04% and over the past year by +58.64%.

Is Esquire Financial Holdings a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Esquire Financial Holdings is currently (September 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 62.47 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ESQ is around 122.52 USD . This means that ESQ is currently undervalued and has a potential upside of +25.39% (Margin of Safety).

Is ESQ a buy, sell or hold?

Esquire Financial Holdings has received a consensus analysts rating of 3.33. Therefor, it is recommend to hold ESQ.
  • Strong Buy: 0
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the ESQ price?

Issuer Target Up/Down from current
Wallstreet Target Price 110 12.6%
Analysts Target Price 110 12.6%
ValueRay Target Price 137.4 40.6%

Last update: 2025-09-06 04:37

ESQ Fundamental Data Overview

Market Cap USD = 827.0m (827.0m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 420.3m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 17.9703
P/S = 6.5203
P/B = 3.0923
Beta = 0.572
Revenue TTM = 84.9m USD
EBIT TTM = 62.9m USD
EBITDA TTM = 64.5m USD
Long Term Debt = 13.2m USD (from nonCurrentLiabilitiesTotal, last fiscal year)
Short Term Debt = 1.03m USD (from shortTermDebt, last fiscal year)
Debt = 14.2m USD (Calculated: Short Term 1.03m + Long Term 13.2m)
Net Debt = -163.0m USD (from netDebt column, last quarter)
Enterprise Value = 420.9m USD (827.0m + Debt 14.2m - CCE 420.3m)
Interest Coverage Ratio = 4.10 (Ebit TTM 62.9m / Interest Expense TTM 15.4m)
FCF Yield = 10.32% (FCF TTM 43.4m / Enterprise Value 420.9m)
FCF Margin = 51.19% (FCF TTM 43.4m / Revenue TTM 84.9m)
Net Margin = 54.68% (Net Income TTM 46.4m / Revenue TTM 84.9m)
Gross Margin = 75.64% ((Revenue TTM 84.9m - Cost of Revenue TTM 20.7m) / Revenue TTM)
Tobins Q-Ratio = 0.05 (Enterprise Value 420.9m / Book Value Of Equity 8.67b)
Interest Expense / Debt = 30.14% (Interest Expense 4.28m / Debt 14.2m)
Taxrate = 26.35% (15.6m / 59.3m)
NOPAT = 46.3m (EBIT 62.9m * (1 - 26.35%))
Current Ratio = 0.26 (Total Current Assets 420.3m / Total Current Liabilities 1.64b)
Debt / Equity = 0.05 (Debt 14.2m / last Quarter total Stockholder Equity 263.6m)
Debt / EBITDA = 0.22 (Net Debt -163.0m / EBITDA 64.5m)
Debt / FCF = 0.33 (Debt 14.2m / FCF TTM 43.4m)
Total Stockholder Equity = 246.0m (last 4 quarters mean)
RoA = 2.25% (Net Income 46.4m, Total Assets 2.06b )
RoE = 18.87% (Net Income TTM 46.4m / Total Stockholder Equity 246.0m)
RoCE = 24.27% (Ebit 62.9m / (Equity 246.0m + L.T.Debt 13.2m))
RoIC = 3.84% (Ebit 62.9m / (Assets 2.06b - Current Assets 420.3m))
WACC = 9.12% (E(827.0m)/V(841.3m) * Re(8.90%)) + (D(14.2m)/V(841.3m) * Rd(30.14%) * (1-Tc(0.26)))
Shares Correlation 3-Years: 96.19 | Cagr: 0.43%
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.59% ; FCFE base≈43.7m ; Y1≈47.8m ; Y5≈60.5m
Fair Price DCF = 105.5 (DCF Value 900.6m / Shares Outstanding 8.54m; 5y FCF grow 10.55% → 3.0% )
EPS Correlation: 95.08 | EPS CAGR: 14.98% | SUE: 0.0 | # QB: False
Revenue Correlation: -42.71 | Revenue CAGR: -99.99%

Additional Sources for ESQ Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle