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Esquire Financial Holdings
(NASDAQ:ESQ)
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Rating:80Outperform
Price Target:
$149.00
▲(23.66% Upside)
Action:Reiterated
Date:08/03/26
The score is driven primarily by strong financial performance (high profitability, conservative balance sheet, solid cash conversion) and supportive technical momentum (price above key moving averages with positive MACD). Valuation is the main constraint due to a moderate P/E and low dividend yield, while corporate events are a net positive given the completed acquisition and ongoing dividend, tempered by integration/dilution risk.
Positive Factors
Conservative balance sheet and rising equity
Esquire’s near-zero debt profile and steadily growing equity provide durable financial flexibility to fund lending, absorb losses, and support organic growth or M&A without stressing liquidity. A conservative capital base reduces insolvency risk and underpins long-term strategic optionality.
Negative Factors
Integration and dilution risk from all-stock merger
The all-stock Signature deal leads to meaningful share issuance and modest dilution, while integrating two banks risks execution costs, cultural mismatch, and near-term earnings pressure. Realizing projected synergies will take sustained management focus and can weigh on per-share metrics.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet and rising equity
Esquire’s near-zero debt profile and steadily growing equity provide durable financial flexibility to fund lending, absorb losses, and support organic growth or M&A without stressing liquidity. A conservative capital base reduces insolvency risk and underpins long-term strategic optionality.
Read all positive factors
Esquire Financial Holdings (ESQ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.12B
Dividend Yield0.58%
Average Volume (3M)68.95K
Price to Earnings (P/E)20.4
Beta (1Y)0.68
Revenue Growth19.99%
EPS Growth10.00%
CountryUS
Employees148
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.34
Shares Outstanding8,639,431
10 Day Avg. Volume66,351
30 Day Avg. Volume68,950
Financial Highlights & Ratios
PEG Ratio1.26
Price to Book (P/B)3.07
Price to Sales (P/S)5.40
P/FCF Ratio15.68
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$125.00Price Target Upside3.74% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)6.84
Revenue Forecast (FY)$203.20M
Esquire Financial Holdings Business Overview & Revenue Model
Company Description
Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and financial services across the United States. Its clientele includes the legal sector, smal...
How the Company Makes Money
Esquire Financial Holdings makes money primarily through its banking subsidiary, Esquire Bank, N.A., via a mix of net interest income and noninterest income. Net interest income is generated by earning interest and fees on interest-earning assets ...
Esquire Financial Holdings Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 179.89M | 164.50M | 138.27M | 121.64M | 85.92M | 65.56M |
| Gross Profit | 154.91M | 139.79M | 120.12M | 109.00M | 80.78M | 57.77M |
| EBITDA | 77.24M | 71.28M | 62.57M | 58.42M | 41.35M | 24.94M |
| Net Income | 52.75M | 50.85M | 43.66M | 41.01M | 28.52M | 17.93M |
Balance Sheet | ||||||
| Total Assets | 2.51B | 2.37B | 1.89B | 1.62B | 1.40B | 1.18B |
| Cash, Cash Equivalents and Short-Term Investments | 541.62M | 482.39M | 368.07M | 287.32M | 273.39M | 297.54M |
| Total Debt | 0.00 | 2.64M | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 2.20B | 2.08B | 1.66B | 1.42B | 1.24B | 1.04B |
| Stockholders Equity | 313.85M | 289.60M | 237.09M | 198.56M | 158.16M | 143.74M |
Cash Flow | ||||||
| Free Cash Flow | 46.24M | 56.68M | 39.06M | 39.40M | 37.56M | 27.14M |
| Operating Cash Flow | 53.05M | 59.84M | 42.21M | 42.40M | 38.80M | 30.08M |
| Investing Cash Flow | -305.86M | -362.09M | -308.27M | -215.40M | -221.50M | -170.49M |
| Financing Cash Flow | 312.05M | 411.81M | 227.17M | 174.09M | 197.67M | 224.38M |
Esquire Financial Holdings Risk Analysis
Esquire Financial Holdings disclosed 55 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.12B | 20.38 | 17.82% | 0.62% | 19.99% | 10.00% | |
74 Outperform | $1.22B | 12.68 | 10.41% | 2.01% | 2.41% | 26.67% | |
72 Outperform | $1.06B | 9.60 | 19.35% | 0.03% | 9.28% | 25.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $969.06M | 12.80 | 8.89% | 4.21% | -4.09% | -9.75% | |
64 Neutral | $1.12B | 13.60 | 8.01% | 4.39% | 7.53% | 38.25% | |
64 Neutral | $1.16B | 21.20 | 6.62% | 1.26% | 5.13% | ― |
* Financial Sector Average
ESQ
Esquire Financial Holdings
132.20
38.66
41.33%
CFFN
Capitol Federal Financial
9.09
3.54
63.75%
NBN
Northeast Bancorp
133.62
39.88
42.54%
SBSI
Southside Bancshares
32.69
5.52
20.31%
UVSP
Univest Of Pennsylvania
44.28
16.47
59.24%
AMTB
Amerant Bancorp
29.56
11.10
60.10%
Esquire Financial Holdings Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Esquire Financial Completes Acquisition of Signature Bancorporation
Positive
Aug 3, 2026
Effective August 1, 2026, Esquire Financial Holdings completed its previously announced acquisition of Illinois-based Signature Bancorporation through a series of holding company and bank-level mergers, with Signature Bank now operating as “...
Business Operations and StrategyDividends
Esquire Financial Declares Regular Quarterly Dividend for Shareholders
Positive
Jul 30, 2026
On July 30, 2026, Esquire Financial Holdings, Inc., the parent of Esquire Bank, declared a regular quarterly dividend of $0.20 per share for holders of its common stock. The dividend will be payable on September 1, 2026, to shareholders of record ...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsRegulatory Filings and Compliance
Esquire Financial posts strong Q2 results, prepares merger
Positive
Jul 23, 2026
Esquire Financial Holdings reported that for the quarter ended June 30, 2026, net income rose 9.2% year over year to $13.0 million, or $1.49 per diluted share, with adjusted earnings of $14.0 million, or $1.60 per share, despite merger-related exp...
M&A TransactionsShareholder Meetings
Esquire Financial Shareholders Approve Signature Merger Terms
Positive
Jun 24, 2026
On June 23, 2026, Esquire Financial Holdings held a special meeting of stockholders to vote on issuing Esquire common stock to Signature Bancorporation shareholders as part of a planned merger. Shareholders approved the share issuance with an over...
Business Operations and StrategyM&A TransactionsRegulatory Filings and Compliance
Esquire Financial Gains Regulatory Clearances for Signature Merger
Positive
Jun 9, 2026
On June 9, 2026, Esquire Financial Holdings, Inc. and Signature Bancorporation, Inc. announced they had received all required regulatory approvals and waivers needed to complete Signature’s merger with and into Esquire. Regulators including ...
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.