(ESQ) Esquire Financial Holdings - Ratings and Ratios
Deposits, Commercial Loans, Consumer Loans, Real Estate Loans, Merchant Services
Dividends
| Dividend Yield | 0.66% |
| Yield on Cost 5y | 3.48% |
| Yield CAGR 5y | 46.39% |
| Payout Consistency | 100.0% |
| Payout Ratio | 12.6% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 28.6% |
| Value at Risk 5%th | 45.8% |
| Relative Tail Risk | -2.42% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.08 |
| Alpha | 27.04 |
| CAGR/Max DD | 1.59 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.391 |
| Beta | 0.624 |
| Beta Downside | 0.383 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.81% |
| Mean DD | 7.06% |
| Median DD | 6.23% |
Description: ESQ Esquire Financial Holdings November 30, 2025
Esquire Financial Holdings, Inc. (NASDAQ: ESQ) is the holding company for Esquire Bank, NA, which focuses on commercial banking services for law firms, small-business clients, and retail customers across the United States. Its product suite includes deposit accounts (checking, savings, money-market, CDs), a broad array of loan products (short-term inventory financing, commercial lines of credit, consumer settlement loans, debt-consolidation loans, multifamily and commercial real-estate financing), and ancillary services such as cash-management, ACH processing, and law-firm-specific banking solutions.
According to the company’s most recent quarterly filing (Q2 2024), ESQ reported a net interest margin of 3.15 % and a loan-to-deposit ratio of 78 %, indicating a relatively conservative balance-sheet posture. Deposits grew 5 % year-over-year to $2.1 billion, while total loan balances increased 4 % to $1.6 billion, supporting a modest earnings uplift to $12 million net income for the quarter.
The regional-bank sector is currently driven by the Federal Reserve’s tightening cycle, which compresses net interest margins for banks with lower-yielding asset mixes but also creates pricing power for institutions that can shift to higher-yielding loan products. Additionally, the legal-services niche-ESQ’s core market-has shown resilience, with law-firm revenues rising ~3 % annually, providing a stable demand base for specialized cash-management and settlement-loan offerings.
For a deeper quantitative breakdown, the ValueRay platform provides granular metrics on ESQ’s valuation multiples and risk profile.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (49.1m TTM) > 0 and > 6% of Revenue (6% = 9.43m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -723.4% (prev -876.9%; Δ 153.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 54.7m > Net Income 49.1m (YES >=105%, WARN >=100%) |
| Net Debt (-240.8m) to EBITDA (67.5m) ratio: -3.57 <= 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 83.86% (prev 87.28%; Δ -3.41pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.92% (prev 7.47%; Δ 0.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.79 (EBITDA TTM 67.5m / Interest Expense TTM 16.9m) >= 6 (WARN >= 3) |
Altman Z'' -2.82
| (A) -0.52 = (Total Current Assets 505.9m - Total Current Liabilities 1.64b) / Total Assets 2.18b |
| (B) 0.09 = Retained Earnings (Balance) 185.8m / Total Assets 2.18b |
| (C) 0.03 = EBIT TTM 63.9m / Avg Total Assets 1.98b |
| (D) 0.09 = Book Value of Equity 176.4m / Total Liabilities 1.91b |
| Total Rating: -2.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.80
| 1. Piotroski 2.50pt |
| 2. FCF Yield 11.81% |
| 3. FCF Margin 31.24% |
| 4. Debt/Equity 0.01 |
| 5. Debt/Ebitda -3.57 |
| 6. ROIC - WACC (= -30.97)% |
| 7. RoE 19.06% |
| 8. Rev. Trend 94.78% |
| 9. EPS Trend 92.07% |
What is the price of ESQ shares?
Over the past week, the price has changed by +2.69%, over one month by +11.96%, over three months by +9.37% and over the past year by +36.47%.
Is ESQ a buy, sell or hold?
- 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 | 8.3% |
| Analysts Target Price | 115.5 | 8.3% |
| ValueRay Target Price | 146 | 36.9% |
ESQ Fundamental Data Overview December 16, 2025
P/E Trailing = 18.8732
P/S = 6.9698
P/B = 3.2884
Beta = 0.424
Revenue TTM = 157.1m USD
EBIT TTM = 63.9m USD
EBITDA TTM = 67.5m 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 = 415.4m USD (918.2m + Debt 3.05m - CCE 505.9m)
Interest Coverage Ratio = 3.79 (Ebit TTM 63.9m / Interest Expense TTM 16.9m)
FCF Yield = 11.81% (FCF TTM 49.1m / Enterprise Value 415.4m)
FCF Margin = 31.24% (FCF TTM 49.1m / Revenue TTM 157.1m)
Net Margin = 31.26% (Net Income TTM 49.1m / Revenue TTM 157.1m)
Gross Margin = 83.86% ((Revenue TTM 157.1m - Cost of Revenue TTM 25.4m) / Revenue TTM)
Gross Margin QoQ = 84.56% (prev 80.54%)
Tobins Q-Ratio = 0.19 (Enterprise Value 415.4m / Total Assets 2.18b)
Interest Expense / Debt = 156.9% (Interest Expense 4.79m / Debt 3.05m)
Taxrate = 19.50% (3.40m / 17.5m)
NOPAT = 51.4m (EBIT 63.9m * (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 = -3.57 (Net Debt -240.8m / EBITDA 67.5m)
Debt / FCF = -4.91 (Net Debt -240.8m / FCF TTM 49.1m)
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 = 11.79% (EBIT 63.9m / Capital Employed (Total Assets 2.18b - Current Liab 1.64b))
RoIC = -22.69% (NOPAT 51.4m / Invested Capital -226.7m)
WACC = 8.28% (E(918.2m)/V(921.3m) * Re(8.31%) + (debt cost/tax rate unavailable))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.53%
[DCF Debug] Terminal Value 78.62% ; FCFE base≈47.0m ; Y1≈51.3m ; Y5≈65.0m
Fair Price DCF = 125.7 (DCF Value 1.08b / Shares Outstanding 8.57m; 5y FCF grow 10.56% → 3.0% )
EPS Correlation: 92.07 | EPS CAGR: 22.35% | SUE: 0.0 | # QB: 0
Revenue Correlation: 94.78 | Revenue CAGR: 27.37% | SUE: 1.08 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.52 | Chg30d=+0.063 | Revisions Net=+2 | Analysts=3
EPS next Year (2026-12-31): EPS=6.27 | Chg30d=+0.110 | Revisions Net=+0 | Growth EPS=+11.3% | Growth Revenue=+12.2%
Additional Sources for ESQ Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle