(ESQ) Esquire Financial Holdings - Ratings and Ratios

Esquire Financial Holdings, Inc. is a bank holding company that operates Esquire Bank, National Association, providing a range of commercial banking products and services to legal and small businesses, as well as commercial and retail customers across the United States. The companys diverse offerings include deposit accounts, commercial loans, consumer loans, and real estate loans, catering to various customer needs. Additionally, it provides cash management, online banking, payment processing, and law firm banking solutions, making it a comprehensive banking solution provider.

With a strong focus on serving the financial needs of law firms and their clients, Esquire Financial Holdings has established itself as a specialized banking institution. Its loan portfolio includes commercial lines of credit, post-settlement consumer loans, and structured settlement loans, indicating a diversified lending strategy. The companys merchant services, including portfolio acquisition loans and working capital lines of credit, further expand its offerings to businesses. Headquartered in Jericho, New York, and founded in 2006, Esquire Financial Holdings has grown to become a significant player in the regional banking sector.

Analyzing the , the stocks current price is $89.30, slightly below its 20-day Simple Moving Average (SMA) of $90.16, indicating a potential short-term downward trend. However, the stock is above its 50-day SMA of $86.97 and significantly above its 200-day SMA of $76.82, suggesting a longer-term uptrend. The Average True Range (ATR) of 2.35 indicates moderate volatility. Considering the , the companys Market Cap stands at $757.05M USD, with a Price-to-Earnings (P/E) ratio of 16.98, suggesting a relatively reasonable valuation. The Return on Equity (RoE) of 19.20% indicates strong profitability.

Forecasting the future performance of ESQ stock involves combining insights from both and . Given the current technical indicators and fundamental strengths, a potential short-term target could be the 52-week high of $92.75, driven by the companys solid financials and the overall uptrend in the stock. However, the absence of a forward P/E ratio suggests that earnings expectations may not be clearly priced in, introducing some uncertainty. Long-term investors may find ESQ attractive given its RoE and the banks diversified loan portfolio, potentially driving the stock towards new highs as the company continues to grow its business.