Esquire Financial Holdings Inc (ESQ)
NASDAQ:ESQ
Want to see ESQ full AI Analyst Report?
Top Page
Esquire Financial Holdings
(NASDAQ:ESQ)
Select Model
Select Model
Rating:74Outperform
Price Target:
$118.00
▲(1.76% Upside)
Action:ReiteratedDate:05/01/26
The score is driven primarily by strong financial performance (high profitability, low leverage, and solid cash generation). Offsetting this is weak technical momentum (below key moving averages with negative MACD). Valuation is reasonable but not compelling given the low dividend yield, while recent corporate events are supportive due to dividend growth and a strategic acquisition announcement.
Positive Factors
Revenue & Profitability Growth
Multi-year revenue scaling with sustained high net margins demonstrates durable product-market fit in its niche. Consistent top-line growth and strong margins support reinvestment, organic loan growth and buffer against cyclical headwinds, sustaining earnings power over the medium term.
Negative Factors
Margin Drift
A downward drift in margins from prior peaks signals potential pressure on profitability as scale increases or yield dynamics normalize. If persistent, margin erosion can limit return on equity and reduce the pace at which the firm can reinvest or sustain dividend growth over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profitability Growth
Multi-year revenue scaling with sustained high net margins demonstrates durable product-market fit in its niche. Consistent top-line growth and strong margins support reinvestment, organic loan growth and buffer against cyclical headwinds, sustaining earnings power over the medium term.
Read all positive factors
Esquire Financial Holdings (ESQ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$912.22M
Dividend Yield0.66%
Average Volume (3M)68.95K
Price to Earnings (P/E)18.2
Beta (1Y)0.65
Revenue Growth20.11%
EPS Growth11.08%
CountryUS
Employees138
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.20
Shares Outstanding8,636,809
10 Day Avg. Volume66,351
30 Day Avg. Volume68,950
Financial Highlights & Ratios
PEG Ratio1.35
Price to Book (P/B)3.07
Price to Sales (P/S)5.40
P/FCF Ratio15.68
Enterprise Value/Market Cap0.78
Enterprise Value/Revenue4.34
Enterprise Value/Gross Profit5.10
Enterprise Value/Ebitda10.00
Forecast
1Y Price Target
$125.00Price Target Upside7.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)6.61
Revenue Forecast (FY)$183.17M
Esquire Financial Holdings Business Overview & Revenue Model
Company Description
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the ...
How the Company Makes Money
Esquire Financial Holdings primarily makes money through its bank subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees received on loans and other inte...
Esquire Financial Holdings Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
82
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 164.50M | 138.27M | 121.64M | 85.92M | 65.56M |
| Gross Profit | 139.79M | 120.12M | 109.00M | 80.78M | 57.77M |
| EBITDA | 71.28M | 62.57M | 58.42M | 41.35M | 24.94M |
| Net Income | 50.85M | 43.66M | 41.01M | 28.52M | 17.93M |
Balance Sheet | |||||
| Total Assets | 2.37B | 1.89B | 1.62B | 1.40B | 1.18B |
| Cash, Cash Equivalents and Short-Term Investments | 482.39M | 368.07M | 287.32M | 273.39M | 297.54M |
| Total Debt | 2.64M | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 2.08B | 1.66B | 1.42B | 1.24B | 1.04B |
| Stockholders Equity | 289.60M | 237.09M | 198.56M | 158.16M | 143.74M |
Cash Flow | |||||
| Free Cash Flow | 56.68M | 39.06M | 39.40M | 37.56M | 27.14M |
| Operating Cash Flow | 59.84M | 42.21M | 42.40M | 38.80M | 30.08M |
| Investing Cash Flow | -362.09M | -308.27M | -215.40M | -221.50M | -170.49M |
| Financing Cash Flow | 411.81M | 227.17M | 174.09M | 197.67M | 224.38M |
Esquire Financial Holdings Technical Analysis
Positive
115.96
Price Trends
107.91
Positive
106.91
Positive
102.66
Positive
Market Momentum
2.29
Negative
62.98
Neutral
71.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ESQ, the sentiment is Positive. The current price of 115.96 is above the 20-day moving average (MA) of 110.40, above the 50-day MA of 107.91, and above the 200-day MA of 102.66, indicating a bullish trend. The MACD of 2.29 indicates Negative momentum. The RSI at 62.98 is Neutral, neither overbought nor oversold. The STOCH value of 71.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ESQ.
Esquire Financial Holdings Risk Analysis
Esquire Financial Holdings disclosed 46 risk factors in its most recent earnings report. Esquire Financial Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Esquire Financial Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.06B | 8.86 | 10.19% | 2.59% | 3.92% | 25.09% | |
74 Outperform | $912.22M | 18.16 | 18.23% | 0.66% | 20.11% | 11.08% | |
68 Neutral | $968.42M | 9.94 | 8.49% | 4.59% | -6.76% | -18.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $997.20M | 11.20 | 7.46% | 4.73% | 7.25% | 49.10% | |
65 Neutral | $983.41M | 7.82 | 18.63% | 0.04% | 17.95% | 29.31% | |
63 Neutral | $890.60M | 9.68 | 6.81% | 1.79% | 8.98% | ― |
* Financial Sector Average
ESQ
Esquire Financial Holdings
105.62
18.94
21.84%
CFFN
Capitol Federal Financial
7.68
2.36
44.31%
NBN
Northeast Bancorp
123.27
39.83
47.74%
SBSI
Southside Bancshares
32.55
5.25
19.23%
UVSP
Univest Of Pennsylvania
38.16
8.97
30.71%
AMTB
Amerant Bancorp
22.63
5.51
32.18%
Esquire Financial Holdings Corporate Events
Business Operations and StrategyDividends
Esquire Financial Declares Quarterly Dividend, Signaling Ongoing Stability
Positive
Apr 30, 2026
On April 30, 2026, Esquire Financial Holdings, Inc., the parent of Esquire Bank, declared a regular quarterly cash dividend of $0.20 per share on its common stock. The dividend is scheduled to be paid on June 1, 2026, to shareholders of record as ...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Esquire Financial posts strong Q1 results, raises dividend
Positive
Apr 23, 2026
On April 23, 2026, Esquire Financial reported first-quarter 2026 net income of $12.2 million, up 7% year-on-year, and maintained industry-leading returns on assets and equity despite $1.7 million of merger and compensation-related noninterest expe...
Executive/Board Changes
Esquire Financial Director Resigns, Board Size Reduced
Neutral
Apr 2, 2026
On March 31, 2026, long-serving director Selig Zises resigned from all director and committee positions at Esquire Financial Holdings, Inc. and Esquire Bank, National Association to focus on his personal health and related disability, with his res...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Esquire Financial to Acquire Signature Bancorporation in Merger
Positive
Mar 12, 2026
On March 11, 2026, Esquire Financial Holdings agreed to acquire Signature Bancorporation in an all-stock transaction structured as a two-step corporate merger followed by a bank merger, unanimously approved by both companies’ boards. Signatu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.