Esquire Financial Holdings (ESQ) AI Stock Analysis

• Market Cap: $913.34M
• Dividend Yield: 0.66%
• Average Volume (3M): 68.95K
• Price to Earnings (P/E): 18.2
• Beta (1Y): 0.64
• Revenue Growth: 17.98%
• EPS Growth: 14.35%
• Country: US
• Employees: 138
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.55
• Shares Outstanding: 8,565,491
• 10 Day Avg. Volume: 66,351
• 30 Day Avg. Volume: 68,950
• PEG Ratio: 2.80
• Price to Book (P/B): 2.62
• Price to Sales (P/S): 4.50
• P/FCF Ratio: 15.91
• Enterprise Value/Market Cap: 0.74
• Enterprise Value/Revenue: 4.31
• Enterprise Value/Gross Profit: 5.14
• Enterprise Value/Ebitda: 10.04
• 1Y Price Target: $120.00
• Price Target Upside: 12.54% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 81 Outperform
• Price Target: $127.00 ▲(19.10% Upside)

The score is driven primarily by strong financial performance (growth, profitability, ROE, and cash conversion) and supportive technicals with a clear uptrend. Valuation and a low dividend yield are the main constraints, while recent corporate updates add a positive tailwind.

Positive Factors

Revenue Growth

Strong revenue growth indicates effective market penetration and product demand, supporting long-term business expansion and stability.

Debt-Free Balance Sheet

A debt-free balance sheet enhances financial stability and flexibility, allowing the company to invest in growth opportunities without financial strain.

Strategic Initiatives

Strategic initiatives like partnerships and expansion into new markets position the company for sustained growth and competitive advantage.

Negative Factors

Free Cash Flow Conversion

Limited free cash flow conversion may hinder the company's ability to reinvest in business operations and growth, affecting long-term financial health.

Equity Ratio

A relatively low equity ratio may limit future leverage opportunities, potentially constraining growth and financial maneuverability.

Absence of EBITDA

Lack of EBITDA data can obscure true operational performance, making it harder to assess profitability and efficiency over time.

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 United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. As of January 25, 2022, the company operated a full-service branch in Jericho, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

How the Company Makes Money

Esquire Financial Holdings generates revenue primarily through interest income derived from its loan portfolio, which includes commercial loans, consumer loans, and lines of credit. The company also earns non-interest income through fees associated with its cash management services, deposit accounts, and other financial products. Esquire's focus on the legal industry provides a niche market advantage, allowing it to offer specialized financial services and products that cater to law firms and attorneys, which contributes to its revenue streams. Additionally, Esquire may engage in strategic partnerships and collaborations within the financial sector to enhance its service offerings and expand its market reach.

Esquire Financial Holdings Financial Statement Overview

Summary

Strong multi-year growth in revenue and earnings with healthy profitability, strong ROE, and generally good earnings-to-free-cash-flow conversion. Score is slightly tempered by inconsistencies in TTM margin/coverage fields versus the annual trend and some cash-flow growth variability.

Income Statement

Revenue has compounded strongly from 2020 to 2024 ($53.3M to $138.3M) and is up again in TTM (Trailing-Twelve-Months) to $157.1M (+4.8%). Profitability is very healthy with net income rising to $49.1M in TTM (Trailing-Twelve-Months) from $43.7M in 2024. Margins are consistently solid across the annual periods; however, the TTM (Trailing-Twelve-Months) margin set looks unusually high versus the annual pattern, which introduces some quality/consistency risk in the reported margin profile.

Balance Sheet

The balance sheet appears conservatively financed with total debt reported at $0 in recent periods and a debt-to-equity ratio of 0.0, while equity has grown steadily (from $126.1M in 2020 to $237.1M in 2024 and $279.2M in TTM (Trailing-Twelve-Months)). Returns on equity are strong for the group (roughly 18–21% from 2022–TTM), supporting the quality of growth. The main limitation is that this view does not show funding mix or other bank-specific balance-sheet risks, so the analysis relies strictly on the provided leverage and equity data.

Cash Flow

Cash generation is solid: operating cash flow increased from $42.2M (2024) to $54.7M in TTM (Trailing-Twelve-Months), with free cash flow of $49.1M in TTM (Trailing-Twelve-Months). Free cash flow closely tracks earnings (free cash flow to net income ~0.93 in 2023–2024 and ~0.99 in TTM), indicating good earnings-to-cash conversion. A watch item is volatility in free cash flow growth (slightly negative in 2024, then strong in TTM), and the provided operating cash flow coverage figure is inconsistent across periods (including 0.0 in TTM), limiting comparability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	157.09M	138.27M	121.64M	85.92M	65.56M	53.28M
Gross Profit	131.74M	120.12M	109.00M	80.78M	57.77M	45.84M
EBITDA	67.47M	62.57M	58.42M	41.35M	24.94M	18.79M
Net Income	49.11M	43.66M	41.01M	28.52M	17.93M	12.62M
Balance Sheet
Total Assets	2.18B	1.89B	1.62B	1.40B	1.18B	936.71M
Cash, Cash Equivalents and Short-Term Investments	505.89M	368.07M	287.32M	273.39M	297.54M	182.84M
Total Debt	5.02M	0.00	0.00	0.00	0.00	49.00K
Total Liabilities	1.91B	1.66B	1.42B	1.24B	1.04B	810.64M
Stockholders Equity	279.23M	237.09M	198.56M	158.16M	143.74M	126.08M
Cash Flow
Free Cash Flow	49.07M	39.06M	39.40M	37.56M	27.14M	12.45M
Operating Cash Flow	54.73M	42.21M	42.40M	38.80M	30.08M	15.59M
Investing Cash Flow	-297.03M	-308.27M	-215.40M	-221.50M	-170.49M	-135.44M
Financing Cash Flow	335.40M	227.17M	174.09M	197.67M	224.38M	123.23M

Esquire Financial Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 106.63
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 106.63 is below the 20-day moving average (MA) of 107.08, above the 50-day MA of 105.02, and above the 200-day MA of 97.49, indicating a neutral trend. The MACD of 0.88 indicates Positive momentum. The RSI at 50.00 is Neutral, neither overbought nor oversold. The STOCH value of 39.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ESQ.

Esquire Financial Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESQ	81 Outperform	$913.34M	18.17	19.19%	0.66%	17.98%	14.35%
NBN	76 Outperform	$919.27M	11.12	19.62%	0.04%	33.22%	38.44%
CFFN	74 Outperform	$956.87M	12.96	6.53%	4.73%	6.27%	79.25%
SBSI	70 Outperform	$967.83M	14.06	8.53%	4.59%	-4.08%	-16.80%
UVSP	70 Outperform	$943.69M	10.59	9.61%	2.59%	4.49%	20.44%
AMTB	69 Neutral	$895.46M	17.28	7.21%	1.79%	15.37%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Esquire Financial Holdings Corporate Events

Esquire Financial Posts Strong Q4 and 2025 Results

On January 22, 2026, Esquire Financial Holdings reported strong fourth-quarter and full-year 2025 results, highlighted by a 14.6% year-over-year increase in quarterly net income to $13.5 million and a 16.4% rise in full-year net income to $50.8 million, supported by resilient net interest margins above 6% and industry-leading returns on assets and equity despite higher provisions for credit losses and increased noninterest expenses. Fueled by robust national demand from commercial law firms and litigation-related clients, loans grew $361.4 million, or 25.9%, in 2025, while core commercial deposits rose 26.3% to $2.06 billion and off-balance-sheet sweep funds expanded by 33%, underpinning strong liquidity and capital ratios well above regulatory “well capitalized” thresholds; the bank also maintained solid credit quality, improved operating efficiency, expanded its geographic presence with a flagship Los Angeles branch opened in August 2025, and enhanced its industry positioning by being named to the Piper Sandler 2025 Bank & Thrift Sm-All Stars, reinforcing its standing as a top-performing small-cap bank for stakeholders.

The most recent analyst rating on (ESQ) stock is a Buy with a $123.00 price target. To see the full list of analyst forecasts on Esquire Financial Holdings stock, see the ESQ Stock Forecast page.

Esquire Financial Announces Quarterly Dividend Payment

On October 30, 2025, Esquire Financial Holdings, Inc. announced a regular quarterly dividend of $0.175 per share of common stock, payable on December 1, 2025, to stockholders of record on November 14, 2025. This announcement reflects the company’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness to investors seeking consistent returns.

The most recent analyst rating on (ESQ) stock is a Buy with a $116.00 price target. To see the full list of analyst forecasts on Esquire Financial Holdings stock, see the ESQ Stock Forecast page.

Esquire Financial Reports Strong Q3 2025 Results

Esquire Financial Holdings reported strong financial results for the third quarter of 2025, with a 23.7% increase in net income to $14.1 million compared to the same period in 2024. The company achieved record earnings driven by significant growth in commercial loans and deposits, maintaining a resilient net interest margin of 6.04%. The company also reported continued expansion in its national litigation platform and tech-enabled payment processing services, which contributed to a 9.5% increase in payment volume. Esquire’s strategic investments in a new headquarters and flagship banking facility in Los Angeles are expected to support future growth and enhance client service, reinforcing its position as an industry leader.

The most recent analyst rating on (ESQ) stock is a Hold with a $110.00 price target. To see the full list of analyst forecasts on Esquire Financial Holdings stock, see the ESQ Stock Forecast page.