(ESQ) Esquire Financial Holdings - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 941m USD | Total Return: 51.3% in 12m

Commercial Loans, Deposits, Payment Processing
Total Rating 59
Safety 83
Buy Signal 0.76
Banks - Regional
Industry Rotation: +9.3
Market Cap: 941M
Avg Turnover: 10.6M USD
ATR: 3.72%
Peers RS (IBD): 55.6
Risk 5d forecast
Volatility30.0%
Rel. Tail Risk-2.93%
Reward TTM
Sharpe Ratio1.48
Alpha36.62
Character TTM
Beta0.773
Beta Downside0.543
Drawdowns 3y
Max DD20.68%
CAGR/Max DD2.30
EPS (Earnings per Share) EPS (Earnings per Share) of ESQ over the last years for every Quarter: "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, "2025-12": 1.55,
EPS CAGR: 25.57%
EPS Trend: 91.5%
Last SUE: 0.89
Qual. Beats: 1
Revenue Revenue of ESQ over the last years for every Quarter: 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, 2025-12: 44.356,
Rev. CAGR: 28.10%
Rev. Trend: 94.6%
Last SUE: 3.97
Qual. Beats: 3

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: ESQ Esquire Financial Holdings

Esquire Financial Holdings, Inc. is a bank holding company operating Esquire Bank, National Association. The bank offers commercial banking services to legal firms, small businesses, and individual customers across the United States.

The company provides a range of deposit products, including checking, savings, money market, and certificates of deposit. This is standard for regional banks, which primarily generate revenue through interest rate differentials on deposits and loans.

Lending activities include commercial loans for operating needs and to ISO customers, commercial lines of credit, and consumer loans such as post-settlement and structured settlement loans. Real estate loans cover multifamily, residential, commercial, and construction financing. Diversified loan portfolios are a common strategy to mitigate risk in the banking sector.

Esquire also offers merchant services, cash management, online banking, and payment processing solutions. These ancillary services often provide fee-based revenue, supplementing traditional interest income.

Further research on ValueRay can provide detailed financial metrics and peer comparisons for ESQ.

Headlines to Watch Out For
  • Legal sector loan demand impacts commercial loan growth
  • Net interest margin compression affects profitability
  • Regulatory changes for financial institutions increase compliance costs
  • Small business lending growth drives revenue expansion
  • Payment processing services revenue diversifies income stream
Piotroski VR‑10 (Strict) 3.0
Net Income: 50.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.04 > 1.0
NWC/Revenue: 292.7% < 20% (prev -914.2%; Δ 1.21k% < -1%)
CFO/TA 0.03 > 3% & CFO 59.8m > Net Income 50.9m
Net Debt (-479.8m) to EBITDA (71.3m): -6.73 < 3
Current Ratio: 488.3 > 1.5 & < 3
Outstanding Shares: last quarter (8.71m) vs 12m ago 2.42% < -2%
Gross Margin: 84.98% > 18% (prev 0.87%; Δ 8.41k% > 0.5%)
Asset Turnover: 7.73% > 50% (prev 7.31%; Δ 0.42% > 0%)
Interest Coverage Ratio: 2.69 > 6 (EBITDA TTM 71.3m / Interest Expense TTM 17.9m)
Altman Z'' 1.86
A: 0.20 (Total Current Assets 482.4m - Total Current Liabilities 988k) / Total Assets 2.37b
B: 0.08 (Retained Earnings 197.8m / Total Assets 2.37b)
C: 0.02 (EBIT TTM 48.2m / Avg Total Assets 2.13b)
D: 0.09 (Book Value of Equity 189.4m / Total Liabilities 2.08b)
Altman-Z'' Score: 1.86 = BBB
Beneish M -2.84
DSRI: 1.05 (Receivables 12.6m/10.1m, Revenue 164.5m/138.3m)
GMI: 1.02 (GM 84.98% / 86.88%)
AQI: 0.99 (AQ_t 0.79 / AQ_t-1 0.80)
SGI: 1.19 (Revenue 164.5m / 138.3m)
TATA: -0.00 (NI 50.9m - CFO 59.8m) / TA 2.37b)
Beneish M-Score: -2.84 (Cap -4..+1) = A
What is the price of ESQ shares? As of April 08, 2026, the stock is trading at USD 111.14 with a total of 118,280 shares traded.
Over the past week, the price has changed by +3.39%, over one month by +12.64%, over three months by +2.68% and over the past year by +51.29%.
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.
  • StrongBuy: 0
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the ESQ price?
Analysts Target Price 123.3 11%
Esquire Financial Holdings (ESQ) - Fundamental Data Overview as of 07 April 2026
P/E Trailing = 18.5605
P/S = 6.8742
P/B = 3.2531
Revenue TTM = 164.5m USD
EBIT TTM = 48.2m USD
EBITDA TTM = 71.3m USD
Long Term Debt = 1.65m USD (estimated: total debt 2.64m - short term 988k)
Short Term Debt = 988k USD (from shortTermDebt, last quarter)
Debt = 2.64m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -479.8m USD (recalculated: Debt 2.64m - CCE 482.4m)
Enterprise Value = 461.2m USD (941.0m + Debt 2.64m - CCE 482.4m)
Interest Coverage Ratio = 2.69 (Ebit TTM 48.2m / Interest Expense TTM 17.9m)
EV/FCF = 9.28x (Enterprise Value 461.2m / FCF TTM 49.7m)
FCF Yield = 10.78% (FCF TTM 49.7m / Enterprise Value 461.2m)
FCF Margin = 30.21% (FCF TTM 49.7m / Revenue TTM 164.5m)
Net Margin = 30.91% (Net Income TTM 50.9m / Revenue TTM 164.5m)
Gross Margin = 84.98% ((Revenue TTM 164.5m - Cost of Revenue TTM 24.7m) / Revenue TTM)
Gross Margin QoQ = 88.82% (prev 84.56%)
Tobins Q-Ratio = 0.19 (Enterprise Value 461.2m / Total Assets 2.37b)
 Interest Expense / Debt = 187.7% (Interest Expense 4.96m / Debt 2.64m)
 Taxrate = 22.40% (3.90m / 17.4m)
NOPAT = 37.4m (EBIT 48.2m * (1 - 22.40%))
 Current Ratio = 488.3 (out of range, set to none) (Total Current Assets 482.4m / Total Current Liabilities 988k)
 Debt / Equity = 0.01 (Debt 2.64m / totalStockholderEquity, last quarter 289.6m)
Debt / EBITDA = -6.73 (Net Debt -479.8m / EBITDA 71.3m)
Debt / FCF = -9.65 (Net Debt -479.8m / FCF TTM 49.7m)
Total Stockholder Equity = 270.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.39% (Net Income 50.9m / Total Assets 2.37b)
RoE = 18.78% (Net Income TTM 50.9m / Total Stockholder Equity 270.8m)
RoCE = 17.70% (EBIT 48.2m / Capital Employed (Equity 270.8m + L.T.Debt 1.65m))
RoIC = -19.68% (NOPAT 37.4m / Invested Capital -190.2m)
WACC = 8.68% (E(941.0m)/V(943.6m) * Re(8.70%) + (debt cost/tax rate unavailable))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.90%
[DCF] Terminal Value 77.35% ; FCFF base≈45.4m ; Y1≈49.7m ; Y5≈62.9m
[DCF] Fair Price = 168.2 (EV 973.3m - Net Debt -479.8m = Equity 1.45b / Shares 8.64m; r=8.68% [WACC]; 5y FCF grow 10.56% → 3.0% )
EPS Correlation: 91.52 | EPS CAGR: 25.57% | SUE: 0.89 | # QB: 1
Revenue Correlation: 94.61 | Revenue CAGR: 28.10% | SUE: 3.97 | # QB: 3
EPS next Quarter (2026-06-30): EPS=1.58 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=3
EPS current Year (2026-12-31): EPS=6.80 | Chg7d=+0.000 | Chg30d=+0.420 | Revisions Net=+1 | Growth EPS=+15.8% | Growth Revenue=+47.6%
EPS next Year (2027-12-31): EPS=8.50 | Chg7d=+0.000 | Chg30d=+1.575 | Revisions Net=+1 | Growth EPS=+25.0% | Growth Revenue=+53.1%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 3.3% (Discount Rate 8.7% - Earnings Yield 5.4%)
[Growth] Growth Spread = +22.1% (Analyst 25.4% - Implied 3.3%)
External Resources
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