Esquire Financial Holdings, Inc. (ESQ)

NCM – Real Time Price. Currency in USD

118.47

+2.31 (1.99%)

At close: Jun 26, 2026, 4:00 PM EDT

118.47

-0.00 (-0.00%)

After-hours: Jun 26, 2026, 4:31 PM EDT

Stock details

Previous close: 114.04$
Day's range: 113.1 - 117.65$
52-week range: 90.53 - 134.82$
Volume: 108 458
Average volume: 115 630
Beta: 0.6
EPS (TTM): 6.35
PE ratio (TTM): 19.18
Forward P/E: 17.13
Market cap: 985 240 719
Shares outstanding: 8 639 431
Dividend yield: $0.66 (0.66%)
Next earnings date: 2026-07-27
Sector: Financials
Industry: Banks - Regional

About the company

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for ... read more

CEO: Andrew Sagliocca
Country: United States
IPO Date: 2017-06-27
Employees: 151
Fiscal Year End: January - December
Website: https://www.esquirebank.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: ESQ

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Overall Score

5.4 / 1054%

Financial Strength

Profitability

6.4

Effectiveness

5.8

Growth

Forecast

8.6

Valuation

2.9

Dividend

3.7

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $2.4M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $19.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.43	2.82	4.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.01	0.05	10
Debt to Assets	0.00	0.09	10
Interest coverage	N/A	N/A	10
Weighted average score			7.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	86M	118M	138M	164M	172M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	39M	56M	59M	66M	69M
Net Income	29M	41M	44M	51M	52M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	45.41	0.44	10
Net margin %	30.18	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	42.89	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	2.42	1.46	4.0
ROE	19.12	14.94	9.0
ROIC	18.97	0.00	9.0
ROCE	N/A	0.00	1.0
Weighted average score			5.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	14.81	13.04	8.0
Next quarter	13.2	11.34	7.5
Current year	25.86	13.4	9.0
Next year	39.14	21.43	10
Weighted average score			8.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.55	-9.32	1.94	17.49	4.3
Y/Y	20.77	7.05	18.8	31.88	8.5
3y average	24.52	22.22	19.44	14.6	9.3
5y average	25.5	33.57	30.13	34.58	10
Weighted average score					8.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	19.25	11.16	4.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	6.48	3.37	3.2
P/B	3.28	1.53	2.8
Weighted average score			2.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR29.62%

FCF 5 year CAGR4

Fair value399.14$

Stock price114.04$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.73	0.73	4.0
Payout ratio	11.37	11.37	3.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	4.00	4.00	4.0
Weighted average score			3.7

Fair Value

$399.14

UndervaluedStock priceOvervalued

$114.04

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Andrew Sagliocca

Country

United States

IPO Date

2017-06-27

Employees

151

Fiscal Year End

January - December

Website

https://www.esquirebank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.43

2.82

4.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.01

0.05

Debt to Assets

0.00

0.09

Interest coverage

N/A

Weighted average score

7.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

86M

118M

138M

164M

172M

Gross Profit

N/A

Operating Income

39M

56M

59M

66M

69M

Net Income

29M

41M

44M

51M

52M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

45.41

0.44

Net margin %

30.18

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

42.89

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

2.42

1.46

4.0

ROE

19.12

14.94

9.0

ROIC

18.97

0.00

9.0

ROCE

N/A

0.00

1.0

Weighted average score

5.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

14.81

13.04

8.0

Next quarter

13.2

11.34

7.5

Current year

25.86

13.4

9.0

Next year

39.14

21.43

Weighted average score

8.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.55

-9.32

1.94

17.49

4.3

Y/Y

20.77

7.05

18.8

31.88

8.5

3y average

24.52

22.22

19.44

14.6

9.3

5y average

25.5

33.57

30.13

34.58

Weighted average score

8.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

19.25

11.16

4.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

6.48

3.37

3.2

P/B

3.28

1.53

2.8

Weighted average score

2.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.73

4.0

Payout ratio

11.37

3.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

4.00

4.0

Weighted average score

3.7

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Esquire Financial Holdings, Inc. (ESQ)

Stock details

About the company

Revenue Breakdown

News

Chart: ESQ

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$399.14

$114.04

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: ESQ

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$399.14

$114.04

Economic Moat