ESQ Stock Analysis: Esquire Financial Holdings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.436m USD | 12M Return: 14.2% | US29667J1016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 18.9M
EPS Trend: 99.8%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 9.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Esquire Financial Holdings, Inc. (NASDAQ: ESQ) operates as the bank holding company for Esquire Bank, National Association, providing commercial banking products and services to legal and small businesses, as well as commercial and retail customers across the United States. The company is classified within the Regional Banks sub-industry of the Financials sector and trades as a small-cap stock with a market capitalization of approximately $1.4 billion.
The banks deposit offerings include checking, savings, money market, and time deposit accounts, along with certificates of deposit. Its lending portfolio spans short-term commercial loans for inventory and operating needs, loans to qualified ISO (Independent Sales Organization) customers in the payment processing industry, commercial lines of credit, consumer loans (including post-settlement and structured settlement loans to plaintiffs and claimants), and real estate loans covering multifamily, 1-4 family residential, commercial, and construction properties.
A distinguishing feature of Esquire Banks business model is its niche specialization in legal industry banking, including law firm banking solutions, structured settlement lending, and merchant services tailored to the payment processing sector. The company also provides cash management, cash sweep, online and mobile banking, individual retirement accounts, and ACH and administrative services.
Founded in 2006 and headquartered in Jericho, New York, Esquire Financial Holdings completed its initial public offering on June 27, 2017.
- Merchant services portfolio expansion fuels double-digit loan growth
- Net interest margin compresses as rising deposit costs outpace asset yields
- Structured settlement lending demand supports consumer segment revenue
| Net Income: 52.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: -910.6% < 20% (prev -901.1%; Δ -9.53% < -1%) |
| CFO/TA 0.03 > 3% & CFO 67.6m > Net Income 52.7m |
| Net Debt (-539.0m) to EBITDA (77.6m): -6.95 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.71m) vs 12m ago 1.08% < -2% |
| Gross Margin: 86.11% > 18% (prev 84.60%; Δ 1.51% > 0.5%) |
| Asset Turnover: 7.87% > 50% (prev 7.28%; Δ 0.59% > 0%) |
| Interest Coverage Ratio: 3.59 > 6 (EBIT TTM 73.0m / Interest Expense TTM 20.3m) |
| A: -0.65 (Total Current Assets 541.6m - Total Current Liabilities 2.18b) / Total Assets 2.51b |
| B: 0.09 (Retained Earnings 220.8m / Total Assets 2.51b) |
| C: 0.03 (EBIT TTM 73.0m / Avg Total Assets 2.29b) |
| D: 0.14 (Book Value of Equity 313.9m / Total Liabilities 2.20b) |
| Altman-Z'' = -3.63 = D |
| DSRI: 1.02 (Receivables 13.6m/11.1m, Revenue 179.9m/149.9m) |
| GMI: 0.98 (GM 84.60% / 86.11%) |
| AQI: 0.99 (AQ_t 0.78 / AQ_t-1 0.79) |
| SGI: 1.20 (Revenue 179.9m / 149.9m) |
| TATA: -0.01 (NI 52.7m - CFO 67.6m) / TA 2.51b) |
| Beneish M = -2.89 (Cap -4..+1) = A |
As of October 15, 2026, the stock is trading at USD 117.86 with a total of 115,285 shares traded. Over the past week, the price has changed by +1.87%, over one month by -2.05%, over three months by -1.04% and over the past year by +14.18%.
Current recommended Stop Loss: 109.90 (which is 6.8% or 2.5 ATR below the current price).
Esquire Financial Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy ESQ.
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 135 | 14.5% |
P/E Trailing = 19.5792
P/S = 9.619
P/B = 4.6845
Revenue TTM = 179.9m USD
EBIT TTM = 73.0m USD
EBITDA TTM = 77.6m USD
Long Term Debt = unknown (none)
Short Term Debt = 988k USD (from shortTermDebt, last fiscal year)
Debt = 2.64m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -539.0m USD (calculated: Debt 2.64m - CCE 541.6m)
Enterprise Value = 897.2m USD (1.44b + Debt 2.64m - CCE 541.6m)
Interest Coverage Ratio = 3.59 (Ebit TTM 73.0m / Interest Expense TTM 20.3m)
EV/FCF = 14.90x (Enterprise Value 897.2m / FCF TTM 60.2m)
FCF Yield = 6.71% (FCF TTM 60.2m / Enterprise Value 897.2m)
FCF Margin = 33.47% (FCF TTM 60.2m / Revenue TTM 179.9m)
Net Margin = 29.32% (Net Income TTM 52.7m / Revenue TTM 179.9m)
Gross Margin = 86.11% ((Revenue TTM 179.9m - Cost of Revenue TTM 25.0m) / Revenue TTM)
Gross Margin QoQ = 82.27% (prev 88.94%)
Tobins Q-Ratio = 0.36 (Enterprise Value 897.2m / Total Assets 2.51b)
Interest Expense / Debt = 769.9% (Interest Expense 20.3m / Debt 2.64m)
Taxrate = 24.74% (17.3m / 70.1m)
NOPAT = 54.9m (EBIT 73.0m * (1 - 24.74%))
Current Ratio = 0.25 (Total Current Assets 541.6m / Total Current Liabilities 2.18b)
Debt / Equity = 0.01 (Debt 2.64m / totalStockholderEquity, last quarter 313.9m)
Debt / EBITDA = -6.95 (Net Debt -539.0m / EBITDA 77.6m)
Debt / FCF = -8.95 (Net Debt -539.0m / FCF TTM 60.2m)
Total Stockholder Equity = 296.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.31% (Net Income 52.7m / Total Assets 2.51b)
RoE = 17.82% (Net Income TTM 52.7m / Total Stockholder Equity 296.0m)
RoCE = 22.03% (EBIT 73.0m / Capital Employed (Total Assets 2.51b - Current Liab 2.18b))
RoIC = 16.99% (NOPAT 54.9m / Invested Capital 323.3m)
WACC = 7.48% (E(1.44b)/V(1.44b) * Re(7.49%) + (debt cost/tax rate unavailable))
Discount Rate = 7.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 97.01 | Cagr: 1.63%
[DCF] Terminal Value 77.97% ; FCFF base≈53.5m ; Y1≈61.3m ; Y5≈90.3m
[DCF] Fair Price = 156.7 (EV 1.36b - Net Debt -539.0m = Equity 1.90b / Shares 12.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.75 | EPS CAGR: 11.66% | SUE: 0.94 | # QB: 1
Revenue Correlation: 99.71 | Revenue CAGR: 17.29% | SUE: 0.83 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.89 | Chg30d=+3.56% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=7.07 | Chg30d=+1.83% | Revisions=+25% | GrowthEPS=+20.4% | GrowthRev=+50.7%
EPS next Year (2027-12-31): EPS=8.52 | Chg30d=+0.63% | Revisions=+0% | GrowthEPS=+20.6% | GrowthRev=+43.2%
[Analyst] Revisions Ratio: +29% (up=3, down=1)