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

ESQ EPS (Earnings per Share)

EPS Growth (3Y CAGR): -57.09%
EPS Trend (3Y Correlation): -28.7%

ESQ Revenue

Revenue Growth (3Y CAGR): 23.61%
Revenue Trend (3Y Correlation): 95.3%

Description: ESQ Esquire Financial Holdings

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	853m
Sub-Industry	Regional Banks
IPO / Inception	2017-06-27

ESQ Stock Ratings

Growth Rating	95.9%
Fundamental	60.5%
Dividend Rating	66.1%
Return 12m vs S&P 500	39.0%
Analyst Rating	3.33 of 5

ESQ Dividends

Dividend Yield 12m	0.66%
Yield on Cost 5y	4.15%
Annual Growth 5y	46.39%
Payout Consistency	100.0%
Payout Ratio	12.5%

ESQ Growth Ratios

Growth Correlation 3m	62.4%
Growth Correlation 12m	88.1%
Growth Correlation 5y	98.2%
CAGR 5y	38.83%
CAGR/Max DD 3y (Calmar Ratio)	1.57
CAGR/Mean DD 3y (Pain Ratio)	5.17
Sharpe Ratio 12m	1.70
Alpha	42.75
Beta	0.530
Volatility	31.85%
Current Volume	95.6k
Average Volume 20d	55.3k
Stop Loss	99.4 (-3%)
Signal	0.88

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (46.4m TTM) > 0 and > 6% of Revenue (6% = 9.00m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.46pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -908.5% (prev -894.3%; Δ -14.12pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 48.5m > Net Income 46.4m (YES >=105%, WARN >=100%)

Net Debt (-163.0m) to EBITDA (65.4m) ratio: -2.49 <= 3.0 (WARN <= 3.5)

Current Ratio 0.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (8.62m) change vs 12m ago 2.59% (target <= -2.0% for YES)

Gross Margin 84.60% (prev 87.50%; Δ -2.90pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.94% (prev 7.48%; Δ 0.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 4.04 (EBITDA TTM 65.4m / Interest Expense TTM 15.4m) >= 6 (WARN >= 3)

Altman Z'' -3.75

(A) -0.66 = (Total Current Assets 420.3m - Total Current Liabilities 1.78b) / Total Assets 2.06b

(B) 0.08 = Retained Earnings (Balance) 173.3m / Total Assets 2.06b

(D) 0.09 = Book Value of Equity 162.4m / Total Liabilities 1.80b

Total Rating: -3.75 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.51

1. Piotroski 3.50pt = -1.50

2. FCF Yield 9.97% = 4.99

3. FCF Margin 28.98% = 7.25

4. Debt/Equity 0.01 = 2.50

5. Debt/Ebitda -2.49 = 2.50

6. ROIC - WACC (= -38.78)% = -12.50

7. RoE 18.87% = 1.57

8. Rev. Trend 95.26% = 7.14

9. EPS Trend -28.72% = -1.44

What is the price of ESQ shares?

As of October 22, 2025, the stock is trading at USD 102.50 with a total of 95,570 shares traded.
Over the past week, the price has changed by +2.03%, over one month by -1.67%, over three months by +1.83% and over the past year by +61.87%.

Is Esquire Financial Holdings a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Esquire Financial Holdings is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.51 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ESQ is around 131.40 USD . This means that ESQ is currently undervalued and has a potential upside of +28.2% (Margin of Safety).

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	114	11.2%
Analysts Target Price	114	11.2%
ValueRay Target Price	145.8	42.2%

Last update: 2025-10-20 03:51

ESQ Fundamental Data Overview

Market Cap USD = 852.8m (852.8m USD * 1.0 USD.USD)
P/E Trailing = 18.5306
P/S = 6.7236
P/B = 3.2576
Beta = 0.53
Revenue TTM = 149.9m USD
EBIT TTM = 62.0m USD
EBITDA TTM = 65.4m USD
Long Term Debt = unknown (none)
Short Term Debt = 1.03m USD (from shortTermDebt, last fiscal year)
Debt = 3.28m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -163.0m USD (from netDebt column, last quarter)
Enterprise Value = 435.8m USD (852.8m + Debt 3.28m - CCE 420.3m)
Interest Coverage Ratio = 4.04 (Ebit TTM 62.0m / Interest Expense TTM 15.4m)
FCF Yield = 9.97% (FCF TTM 43.4m / Enterprise Value 435.8m)
FCF Margin = 28.98% (FCF TTM 43.4m / Revenue TTM 149.9m)
Net Margin = 30.96% (Net Income TTM 46.4m / Revenue TTM 149.9m)
Gross Margin = 84.60% ((Revenue TTM 149.9m - Cost of Revenue TTM 23.1m) / Revenue TTM)
Gross Margin QoQ = 80.54% (prev 85.65%)
Tobins Q-Ratio = 0.21 (Enterprise Value 435.8m / Total Assets 2.06b)
Interest Expense / Debt = 130.7% (Interest Expense 4.28m / Debt 3.28m)
Taxrate = 22.00% (3.35m / 15.2m)
NOPAT = 48.3m (EBIT 62.0m * (1 - 22.00%))
Current Ratio = 0.24 (Total Current Assets 420.3m / Total Current Liabilities 1.78b)
Debt / Equity = 0.01 (Debt 3.28m / totalStockholderEquity, last quarter 263.6m)
Debt / EBITDA = -2.49 (Net Debt -163.0m / EBITDA 65.4m)
Debt / FCF = -3.75 (Net Debt -163.0m / FCF TTM 43.4m)
Total Stockholder Equity = 246.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.25% (Net Income 46.4m / Total Assets 2.06b)
RoE = 18.87% (Net Income TTM 46.4m / Total Stockholder Equity 246.0m)
RoCE = 22.33% (EBIT 62.0m / Capital Employed (Total Assets 2.06b - Current Liab 1.78b))
RoIC = -30.84% (NOPAT 48.3m / Invested Capital -156.8m)
WACC = 7.94% (E(852.8m)/V(856.1m) * Re(7.97%) + (debt cost/tax rate unavailable))
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 1.38%
[DCF Debug] Terminal Value 79.53% ; FCFE base≈43.7m ; Y1≈47.8m ; Y5≈60.5m
Fair Price DCF = 123.4 (DCF Value 1.05b / Shares Outstanding 8.54m; 5y FCF grow 10.55% → 3.0% )
EPS Correlation: -28.72 | EPS CAGR: -57.09% | SUE: -4.0 | # QB: 0
Revenue Correlation: 95.26 | Revenue CAGR: 23.61% | SUE: 1.04 | # QB: 1

Additional Sources for ESQ Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle