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 Growth (3Y CAGR): 11.12%
EPS Trend (3Y Correlation): 97.4%

ESQ Revenue

Revenue Growth (3Y CAGR): -69.67%
Revenue Trend (3Y Correlation): -44.0%

Description: ESQ Esquire Financial Holdings August 28, 2025

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	813m
Sub-Industry	Regional Banks
IPO / Inception	2017-06-27

ESQ Stock Ratings

Growth Rating	93.5%
Fundamental	56.7%
Dividend Rating	66.0%
Return 12m vs S&P 500	13.7%
Analyst Rating	3.33 of 5

ESQ Dividends

Dividend Yield 12m	0.71%
Yield on Cost 5y	3.97%
Annual Growth 5y	46.39%
Payout Consistency	100.0%
Payout Ratio	12.7%

ESQ Growth Ratios

Growth Correlation 3m	17.6%
Growth Correlation 12m	86%
Growth Correlation 5y	98.2%
CAGR 5y	30.06%
CAGR/Max DD 3y (Calmar Ratio)	1.26
CAGR/Mean DD 3y (Pain Ratio)	4.12
Sharpe Ratio 12m	2.22
Alpha	35.72
Beta	0.430
Volatility	30.92%
Current Volume	54.8k
Average Volume 20d	59.5k
Stop Loss	92 (-3.8%)
Signal	0.10

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (49.1m TTM) > 0 and > 6% of Revenue (6% = 3.35m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.49pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -2032 % (prev -876.9%; Δ -1155 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 48.5m <= Net Income 49.1m (YES >=105%, WARN >=100%)

Net Debt (-240.8m) to EBITDA (66.5m) ratio: -3.62 <= 3.0 (WARN <= 3.5)

Current Ratio 0.31 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (8.65m) change vs 12m ago 1.67% (target <= -2.0% for YES)

Gross Margin 42.73% (prev 87.28%; Δ -44.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 2.82% (prev 7.47%; Δ -4.65pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.89 (EBITDA TTM 66.5m / Interest Expense TTM 16.9m) >= 6 (WARN >= 3)

Altman Z'' 1.76

(A) -0.52 = (Total Current Assets 505.9m - Total Current Liabilities 1.64b) / Total Assets 2.18b

(B) 0.07 = Retained Earnings (Balance) 152.9m / Total Assets 2.18b

(D) 4.50 = Book Value of Equity 8.57b / Total Liabilities 1.91b

Total Rating: 1.76 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.66

1. Piotroski 3.50pt = -1.50

2. FCF Yield 13.99% = 5.0

3. FCF Margin 77.71% = 7.50

4. Debt/Equity 0.01 = 2.50

5. Debt/Ebitda -3.62 = 2.50

6. ROIC - WACC (= -30.91)% = -12.50

7. RoE 19.06% = 1.59

8. Rev. Trend -43.96% = -3.30

9. EPS Trend 97.36% = 4.87

What is the price of ESQ shares?

As of November 07, 2025, the stock is trading at USD 95.61 with a total of 54,841 shares traded.
Over the past week, the price has changed by +2.91%, over one month by -8.66%, over three months by +1.65% and over the past year by +30.47%.

Is Esquire Financial Holdings a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Esquire Financial Holdings is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 56.66 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 112.23 USD . This means that ESQ is currently undervalued and has a potential upside of +17.38% (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	115.5	20.8%
Analysts Target Price	115.5	20.8%
ValueRay Target Price	124.1	29.8%

ESQ Fundamental Data Overview November 06, 2025

Market Cap USD = 813.5m (813.5m USD * 1.0 USD.USD)
P/E Trailing = 16.7201
P/S = 6.1746
P/B = 3.2576
Beta = 0.43
Revenue TTM = 55.9m USD
EBIT TTM = 65.7m USD
EBITDA TTM = 66.5m USD
Long Term Debt = unknown (none)
Short Term Debt = 1.03m USD (from shortTermDebt, last fiscal year)
Debt = 3.05m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -240.8m USD (from netDebt column, last quarter)
Enterprise Value = 310.6m USD (813.5m + Debt 3.05m - CCE 505.9m)
Interest Coverage Ratio = 3.89 (Ebit TTM 65.7m / Interest Expense TTM 16.9m)
FCF Yield = 13.99% (FCF TTM 43.4m / Enterprise Value 310.6m)
FCF Margin = 77.71% (FCF TTM 43.4m / Revenue TTM 55.9m)
Net Margin = 87.83% (Net Income TTM 49.1m / Revenue TTM 55.9m)
Gross Margin = 42.73% ((Revenue TTM 55.9m - Cost of Revenue TTM 32.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev 80.54%)
Tobins Q-Ratio = 0.14 (Enterprise Value 310.6m / Total Assets 2.18b)
Interest Expense / Debt = 156.9% (Interest Expense 4.79m / Debt 3.05m)
Taxrate = 19.50% (3.40m / 17.5m)
NOPAT = 52.9m (EBIT 65.7m * (1 - 19.50%))
Current Ratio = 0.31 (Total Current Assets 505.9m / Total Current Liabilities 1.64b)
Debt / Equity = 0.01 (Debt 3.05m / totalStockholderEquity, last quarter 279.2m)
Debt / EBITDA = -3.62 (Net Debt -240.8m / EBITDA 66.5m)
Debt / FCF = -5.54 (Net Debt -240.8m / FCF TTM 43.4m)
Total Stockholder Equity = 257.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.25% (Net Income 49.1m / Total Assets 2.18b)
RoE = 19.06% (Net Income TTM 49.1m / Total Stockholder Equity 257.7m)
RoCE = 12.12% (EBIT 65.7m / Capital Employed (Total Assets 2.18b - Current Liab 1.64b))
RoIC = -23.34% (NOPAT 52.9m / Invested Capital -226.7m)
WACC = 7.57% (E(813.5m)/V(816.5m) * Re(7.60%) + (debt cost/tax rate unavailable))
Discount Rate = 7.60% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 1.53%
[DCF Debug] Terminal Value 79.53% ; FCFE base≈43.7m ; Y1≈47.8m ; Y5≈60.5m
Fair Price DCF = 123.0 (DCF Value 1.05b / Shares Outstanding 8.57m; 5y FCF grow 10.55% → 3.0% )
EPS Correlation: 97.36 | EPS CAGR: 11.12% | SUE: 0.0 | # QB: 0
Revenue Correlation: -43.96 | Revenue CAGR: -69.67% | SUE: -4.0 | # QB: 0

Additional Sources for ESQ Stock

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