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

EPS (Earnings per Share)

EPS (Earnings per Share) of ESQ over the last years for every Quarter: "2020-09": 0.48, "2020-12": 0.51, "2021-03": 0.53, "2021-06": 0.57, "2021-09": 0.63, "2021-12": 0.69, "2022-03": 0.66, "2022-06": 0.78, "2022-09": 0.94, "2022-12": 1.1, "2023-03": 1.11, "2023-06": 1.1, "2023-09": 1.17, "2023-12": 1.18, "2024-03": 1.2, "2024-06": 1.25, "2024-09": 1.34, "2024-12": 1.37, "2025-03": 1.33, "2025-06": 1.38, "2025-09": 1.47,
EPS CAGR: 11.12%
EPS Trend: 97.4%
Last SUE: 0.00σ
Qual. Beats: 0

Revenue

Revenue of ESQ over the last years for every Quarter: 2020-09: 13.38, 2020-12: 14.783, 2021-03: 15.712, 2021-06: 16.327, 2021-09: 16.417, 2021-12: 17.099, 2022-03: 17.526, 2022-06: 20.164, 2022-09: 22.392, 2022-12: 25.835, 2023-03: 30.627, 2023-06: 28.75, 2023-09: 30.429, 2023-12: 31.833, 2024-03: 32.462, 2024-06: 33.66, 2024-09: 35.193, 2024-12: 36.953, 2025-03: 37.664, 2025-06: 40.113, 2025-09: 42.364,
Revenue CAGR: 19.70%
Revenue Trend: 97.5%
Last SUE: 1.08σ
Qual. Beats: 2
Risk via 10d forecast
Volatility 32.9%
Value at Risk 5%th 52.7%
Relative Tail Risk -2.50%
Reward TTM
Sharpe Ratio 1.11
Alpha 29.36
Character TTM
Hurst Exponent 0.422
Beta 0.620
Beta Downside 0.413
Drawdowns 3y
Max DD 23.81%
Mean DD 7.23%
Median DD 6.65%

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 824m
Sub-Industry Regional Banks
IPO / Inception 2017-06-27
Return 12m vs S&P 500 16.7%
Analyst Rating 3.33 of 5

ESQ Dividends

Metric Value
Dividend Yield 0.70%
Yield on Cost 5y 4.11%
Yield CAGR 5y 46.39%
Payout Consistency 100.0%
Payout Ratio 12.6%

ESQ Growth Ratios

Metric Value
CAGR 3y 33.68%
CAGR/Max DD Calmar Ratio 1.41
CAGR/Mean DD Pain Ratio 4.66
Current Volume 153.9k
Average Volume 62.1k

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) 66.27

1. Piotroski 2.50pt
2. FCF Yield 15.29%
3. FCF Margin 31.24%
4. Debt/Equity 0.01
5. Debt/Ebitda -3.57
6. ROIC - WACC (= -30.96)%
7. RoE 19.06%
8. Rev. Trend 97.53%
9. EPS Trend 97.36%

What is the price of ESQ shares?

As of November 24, 2025, the stock is trading at USD 100.19 with a total of 153,870 shares traded.
Over the past week, the price has changed by +5.16%, over one month by -2.08%, over three months by +1.65% and over the past year by +30.31%.

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 15.3%
Analysts Target Price 115.5 15.3%
ValueRay Target Price 132.8 32.5%

ESQ Fundamental Data Overview November 20, 2025

Market Cap USD = 823.8m (823.8m USD * 1.0 USD.USD)
P/E Trailing = 16.9331
P/S = 6.2533
P/B = 2.9151
Beta = 0.43
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 = 321.0m USD (823.8m + Debt 3.05m - CCE 505.9m)
Interest Coverage Ratio = 3.79 (Ebit TTM 63.9m / Interest Expense TTM 16.9m)
FCF Yield = 15.29% (FCF TTM 49.1m / Enterprise Value 321.0m)
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 = 0.15 (Enterprise Value 321.0m / 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 = 8.27% (E(823.8m)/V(826.9m) * Re(8.30%) + (debt cost/tax rate unavailable))
Discount Rate = 8.30% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.53%
[DCF Debug] Terminal Value 78.65% ; FCFE base≈47.0m ; Y1≈51.3m ; Y5≈65.0m
Fair Price DCF = 125.9 (DCF Value 1.08b / 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: 97.53 | Revenue CAGR: 19.70% | SUE: 1.08 | # QB: 2

Additional Sources for ESQ Stock

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Fund Manager Positions: Dataroma | Stockcircle