(ESQ) Esquire Financial Holdings - NASDAQ
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 989m USD | Total Return: 24.1% in 12m
Avg Turnover: 11.7M
EPS Trend: 99.7%
Qual. Beats: -1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Fakeout
Tailwinds
No distinct edge detected
Esquire Financial Holdings, Inc. is the bank holding company for Esquire Bank, National Association, headquartered in Jericho, New York. The bank primarily serves legal professionals, law firms, and small businesses, alongside broader commercial and retail customers across the United States. Founded in 2006, the company completed its IPO in 2017 and operates as a small-cap regional bank within the Financials sector.
Esquires deposit offerings include checking, savings, money market, and time deposit accounts, along with certificates of deposit and individual retirement accounts. Its lending portfolio spans short-term commercial loans and lines of credit for working capital needs, real estate loans (multifamily, 1-4 family residential, commercial, and construction), and a distinctive segment of consumer loans such as post-settlement and structured settlement loans for plaintiffs and claimants. The company also provides merchant services and lending products targeting ISO (Independent Sales Organization) partners, including portfolio and agent residual acquisition loans.
In addition to traditional banking, Esquire offers cash management, cash sweep, and digital banking tools, as well as specialized services like payment processing, ACH and administrative support, and dedicated law firm banking solutions. As a regional bank holding company, it is subject to FDIC geographic lending restrictions, and its niche exposure to the legal and payments/ISO sectors differentiates it from peers that lend primarily to general small businesses and consumers.
- Litigation funding and merchant services drive niche loan growth
- Net interest margin pressured by Fed rate cuts
- Structured settlement loan credit quality under investor scrutiny
| Net Income: 51.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.16 > 1.0 |
| NWC/Revenue: -941.5% < 20% (prev -883.4%; Δ -58.10% < -1%) |
| CFO/TA 0.03 > 3% & CFO 63.5m > Net Income 51.7m |
| Net Debt (-477.6m) to EBITDA (75.3m): -6.34 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.70m) vs 12m ago 1.15% < -2% |
| Gross Margin: 85.88% > 18% (prev 86.52%; Δ -0.64% > 0.5%) |
| Asset Turnover: 7.88% > 50% (prev 7.34%; Δ 0.54% > 0%) |
| Interest Coverage Ratio: 3.68 > 6 (EBIT TTM 70.1m / Interest Expense TTM 19.1m) |
| A: -0.67 (Total Current Assets 480.2m - Total Current Liabilities 2.10b) / Total Assets 2.42b |
| B: 0.09 (Retained Earnings 208.3m / Total Assets 2.42b) |
| C: 0.03 (EBIT TTM 70.1m / Avg Total Assets 2.19b) |
| D: 0.14 (Book Value of Equity 301.3m / Total Liabilities 2.12b) |
| Altman-Z'' = -3.75 = D |
| DSRI: 1.03 (Receivables 13.3m/10.8m, Revenue 172.3m/143.5m) |
| GMI: 1.01 (GM 86.52% / 85.88%) |
| AQI: 1.02 (AQ_t 0.80 / AQ_t-1 0.78) |
| SGI: 1.20 (Revenue 172.3m / 143.5m) |
| TATA: -0.00 (NI 51.7m - CFO 63.5m) / TA 2.42b) |
| Beneish M = -2.84 (Cap -4..+1) = A |
As of June 24, 2026, the stock is trading at USD 115.48 with a total of 149,255 shares traded. Over the past week, the price has changed by +1.79%, over one month by +2.59%, over three months by +7.22% and over the past year by +24.12%.
Current recommended Stop Loss: 109.30 (which is 5.4% or 1.8 ATR below the current price).
Esquire Financial Holdings has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold ESQ.
- StrongBuy: 0
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 125 | 8.2% |
P/E Trailing = 19.2778
P/S = 6.9481
P/B = 3.2718
Revenue TTM = 172.3m USD
EBIT TTM = 70.1m USD
EBITDA TTM = 75.3m 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 = -477.6m USD (calculated: Debt 2.64m - CCE 480.2m)
Enterprise Value = 511.7m USD (989.3m + Debt 2.64m - CCE 480.2m)
Interest Coverage Ratio = 3.68 (Ebit TTM 70.1m / Interest Expense TTM 19.1m)
EV/FCF = 9.31x (Enterprise Value 511.7m / FCF TTM 55.0m)
FCF Yield = 10.74% (FCF TTM 55.0m / Enterprise Value 511.7m)
FCF Margin = 31.90% (FCF TTM 55.0m / Revenue TTM 172.3m)
Net Margin = 29.98% (Net Income TTM 51.7m / Revenue TTM 172.3m)
Gross Margin = 85.88% ((Revenue TTM 172.3m - Cost of Revenue TTM 24.3m) / Revenue TTM)
Gross Margin QoQ = 88.94% (prev 88.82%)
Tobins Q-Ratio = 0.21 (Enterprise Value 511.7m / Total Assets 2.42b)
Interest Expense / Debt = 721.7% (Interest Expense 19.1m / Debt 2.64m)
Taxrate = 23.13% (15.5m / 67.2m)
NOPAT = 53.9m (EBIT 70.1m * (1 - 23.13%))
Current Ratio = 0.23 (Total Current Assets 480.2m / Total Current Liabilities 2.10b)
Debt / Equity = 0.01 (Debt 2.64m / totalStockholderEquity, last quarter 301.3m)
Debt / EBITDA = -6.34 (Net Debt -477.6m / EBITDA 75.3m)
Debt / FCF = -8.69 (Net Debt -477.6m / FCF TTM 55.0m)
Total Stockholder Equity = 283.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.36% (Net Income 51.7m / Total Assets 2.42b)
RoE = 18.23% (Net Income TTM 51.7m / Total Stockholder Equity 283.4m)
RoCE = 22.01% (EBIT 70.1m / Capital Employed (Total Assets 2.42b - Current Liab 2.10b))
RoIC = 17.33% (NOPAT 53.9m / Invested Capital 311.0m)
WACC = 8.09% (E(989.3m)/V(991.9m) * Re(8.11%) + (debt cost/tax rate unavailable))
Discount Rate = 8.11% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.39 | Cagr: 1.64%
[DCF] Terminal Value 77.97% ; FCFF base≈49.5m ; Y1≈56.7m ; Y5≈83.5m
[DCF] Fair Price = 200.7 (EV 1.26b - Net Debt -477.6m = Equity 1.73b / Shares 8.64m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.66 | EPS CAGR: 12.00% | SUE: -4.0 | # QB: -1
Revenue Correlation: 99.67 | Revenue CAGR: 17.42% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.56 | Chg30d=-1.27% | Revisions=+33% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.64 | Chg30d=+0.41% | Revisions=+20% | Analysts=3
EPS current Year (2026-12-31): EPS=6.81 | Chg30d=+0.15% | Revisions=+20% | GrowthEPS=+16.0% | GrowthRev=+48.9%
EPS next Year (2027-12-31): EPS=8.65 | Chg30d=+1.76% | Revisions=+0% | GrowthEPS=+27.0% | GrowthRev=+53.2%
[Analyst] Revisions Ratio: +33%