ESQ Stock Analysis: Esquire Financial Holdings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.121m USD | 12M Return: 40.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 18.0M
EPS Trend: 99.8%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 9.1 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. 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: 52.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.19 > 1.0 |
| NWC/Revenue: -910.6% < 20% (prev -901.1%; Δ -9.53% < -1%) |
| CFO/TA 0.03 > 3% & CFO 63.5m > Net Income 52.7m |
| Net Debt (-539.0m) to EBITDA (75.8m): -7.12 < 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 |
As of August 06, 2026, the stock is trading at USD 132.20 with a total of 68,478 shares traded. Over the past week, the price has changed by +0.24%, over one month by +9.73%, over three months by +22.30% and over the past year by +40.74%.
Current recommended Stop Loss: 126.40 (which is 4.4% or 1.3 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 | 130 | -1.7% |
P/E Trailing = 21.355
P/S = 7.5091
P/B = 3.6348
Revenue TTM = 179.9m USD
EBIT TTM = 73.0m USD
EBITDA TTM = 75.8m 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 = 582.2m USD (1.12b + Debt 2.64m - CCE 541.6m)
Interest Coverage Ratio = 3.59 (Ebit TTM 73.0m / Interest Expense TTM 20.3m)
EV/FCF = 10.59x (Enterprise Value 582.2m / FCF TTM 55.0m)
FCF Yield = 9.44% (FCF TTM 55.0m / Enterprise Value 582.2m)
FCF Margin = 30.56% (FCF TTM 55.0m / 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 = 0.23 (Enterprise Value 582.2m / 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 = -7.12 (Net Debt -539.0m / EBITDA 75.8m)
Debt / FCF = -9.81 (Net Debt -539.0m / FCF TTM 55.0m)
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 = 7.47% (E(1.12b)/V(1.12b) * 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≈49.5m ; Y1≈56.7m ; Y5≈83.5m
[DCF] Fair Price = 207.6 (EV 1.26b - Net Debt -539.0m = Equity 1.80b / Shares 8.65m; 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=1.81 | Chg30d=+10.59% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=6.90 | Chg30d=+1.32% | Revisions=+25% | GrowthEPS=+17.5% | GrowthRev=+48.7%
EPS next Year (2027-12-31): EPS=8.60 | Chg30d=-0.58% | Revisions=+0% | GrowthEPS=+24.6% | GrowthRev=+45.4%
[Analyst] Revisions Ratio: +29% (up=3, down=1)