Esquire Financial Holdings, Inc. ESQ
- Market cap
- $1.5B
- P/E
- 19.0×
Follow ESQ
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | 14.51 | 17.34 | 20.61 | 10.83 | 18.47 | 31.59 | 34.75 | 44.45 | 68.90 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| — | 23.18 | 29.45 | 28.89 | 26.07 | 37.51 | 48.13 | 54.03 | 81.68 | 110.71 |
High Price
|
|||
| 52 | 61 | 74 | 86 | 99 | 110 | 116 | 140 | 138 | 151 |
Employees
|
|||
| 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 20 | 26 | 37 | 48 | 53 | 66 | 86 | 122 | 138 | 164 |
Revenue
|
|||
| 97.48% | 97.92% | 96.71% | 94.74% | 97.77% | 98.74% | 98.08% | 93.33% | 90.28% | 89.10% |
Gross Margin
|
|||
| 5 | 7 | 12 | 19 | 17 | 23 | 39 | 56 | 59 | 66 |
EBT
|
|||
| 22.61% | 27.15% | 32.40% | 39.48% | 32.22% | 34.64% | 45.16% | 45.94% | 42.87% | 39.91% |
EBT Margin
|
|||
| 3 | 4 | 9 | 14 | 13 | 18 | 29 | 41 | 44 | 51 |
Net Income
|
|||
| 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 4 |
Depreciation
|
|||
| 4.09 | 4.20 | 4.99 | 6.56 | 7.19 | 8.78 | 11.25 | 15.76 | 17.69 | 20.41 |
Revenue/Sh
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|||
| 0.57 | 0.59 | 1.16 | 1.91 | 1.70 | 2.40 | 3.73 | 5.31 | 5.58 | 6.30 |
Earnings/Sh
|
|||
| 1.27 | 0.65 | 1.37 | 2.21 | 2.10 | 4.03 | 5.08 | 5.49 | 5.40 | 7.42 |
Cash Flow/Sh
|
|||
| (0.54) | (0.03) | (0.17) | (0.28) | (0.42) | (0.39) | (0.16) | (0.39) | (0.40) | (0.69) |
Capex/Sh
|
|||
| 0.74 | 0.61 | 1.20 | 1.93 | 1.68 | 3.63 | 4.92 | 5.11 | 5.00 | 6.73 |
Free CF/Sh
|
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| 10.52 | 13.53 | 12.58 | 15.03 | 17.01 | 19.24 | 20.71 | 25.73 | 30.33 | 35.92 |
Book Value/Sh
|
|||
| 5 | 6 | 7 | 7 | 7 | 7 | 8 | 8 | 8 | 8 |
Shares
|
|||
| 25.37 | 30.85 | 18.24 | 13.65 | 11.29 | 13.18 | 11.49 | 9.46 | 14.27 | 16.18 |
PE Ratio
|
|||
| 3.60 | 4.50 | 4.35 | 3.97 | 2.67 | 3.59 | 3.81 | 3.19 | 4.49 | 5.00 |
PS Ratio
|
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| 1.43 | 1.40 | 1.72 | 1.73 | 1.13 | 1.64 | 2.07 | 1.95 | 2.62 | 2.84 |
PB Ratio
|
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| 2.07 | 2.85 | 3.52 | 2.70 | 0.53 | 0.58 | 1.35 | 1.84 | 3.60 | 3.58 |
EV/Sales
|
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| 11.56 | 19.47 | 14.62 | 9.19 | 2.27 | 1.40 | 3.08 | 5.69 | 12.73 | 10.85 |
EV/FCF
|
|||
| 6 | 4 | 10 | 16 | 16 | 30 | 39 | 42 | 42 | 60 |
Op' Cash Flow
|
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| (3) | 0 | (1) | (2) | (3) | (3) | (1) | (3) | (3) | (6) |
Capex
|
|||
| 4 | 4 | 9 | 14 | 12 | 27 | 38 | 39 | 39 | 54 |
FCF
|
|||
| (53) | (59) | (74) | (63) | (28) | (56) | (83) | (53) | (143) | (93) |
Working Cap'
|
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| 0 | 0 | 0 | 0 | 3 | 2 | 2 | — | — | — |
Total Debt
|
|||
| (43) | (43) | (30) | (62) | (114) | (197) | (212) | (165) | (126) | (236) |
Net Debt
|
|||
| 52 | 83 | 93 | 111 | 126 | 144 | 158 | 199 | 237 | 290 |
Sh' Equity
|
|||
| 0.71% | 0.76% | 1.46% | 1.93% | 1.45% | 1.69% | 2.22% | 2.72% | 2.49% | 2.39% |
ROA
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| 29.98% | 10.83% | 11.96% | 24.24% | 88.20% | 0.00% | 0.00% | 104.74% | 33.45% | 76.39% |
ROIC
|
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| 5.43% | 5.34% | 9.92% | 13.88% | 10.64% | 13.29% | 18.89% | 22.99% | 20.04% | 19.30% |
ROE
|
|||
Esquire Financial Holdings, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| LKFN Lakeland Financial Corporation | $1.5B | 13.6× | Compare |
| CASH Pathward Financial, Inc. | $1.5B | 9.2× | Compare |
| TFIN Triumph Financial, Inc. | $1.5B | 41.5× | Compare |
| CNOB ConnectOne Bancorp, Inc. | $1.6B | 10.2× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| AMAL Amalgamated Financial Corp. | $1.4B | 12.6× | Compare |
| TMP Tompkins Financial Corporation | $1.4B | 8.1× | Compare |
| BHRB Burke & Herbert Financial Services Corp. | $1.4B | 11.1× | Compare |
| PEBO Peoples Bancorp Inc. | $1.4B | 11.7× | Compare |
Esquire Financial Holdings, Inc. (ESQ) key facts
- Esquire Financial Holdings, Inc. (ESQ) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Esquire Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $164.5 million, up 19.0% from fiscal 2024.
- Net income was $50.8 million, or $6.30 per share (basic), a net margin of 30.9%.
- As of September 25, 2026, ESQ traded at $122.28, a market capitalization of $1.5 billion.
- At that price the stock trades at 19.0× trailing-twelve-month earnings and 5.6× sales.
- Esquire Financial Holdings, Inc. pays an annual dividend of $0.50 per share, a yield of 1.15%, with a payout ratio of 9.00%.
- Return on equity was 19.3% and debt-to-equity 0.00.
Esquire Financial Holdings, Inc. (ESQ) Latest News
4 Sep
Esquire Financial Holdings, Inc. (ESQ) upgraded to Buy rating by analysts. Buy upgrade can moderately lift ESQ stock price and short-term investor interest.
3 Aug
Esquire Financial Holdings, Inc. completed the acquisition of Signature Bancorporation, Inc. on August 1, 2026. Acquisition completion marks a major strategic expansion altering Esquire Financial Holdings' scale and market position.
28 Jul
Esquire Financial Holdings (ESQ) posted strong Q2 2026 net interest and earnings growth that may drive positive investor responses and support share performance. Strong Q2 2026 net interest and earnings growth directly boosts Esquire Financial Holdings financial trajectory and market sentiment.
23 Jul
Esquire Financial Holdings Inc (ESQ) highlighted strong net income in its Q2 2026 earnings call. Strong net income from the quarterly earnings call supports improved financial outlook and investor sentiment.
Esquire Financial Holdings reported Q2 results in its earnings call, covering net interest income, loan growth, deposit trends, credit quality metrics and capital position along with management commentary on near-term outlook. Quarterly earnings updates deliver financial metrics that can move near-term valuation and sentiment but rarely alter long-term competitive position or strategy.
Esquire Financial Holdings, Inc. (ESQ) surpassed Q2 earnings and revenue estimates. Quarterly earnings and revenue beat signals positive financial results likely to influence near-term stock performance.
Esquire Financial Holdings, Inc. reported its second quarter 2026 financial results. Quarterly earnings updates influence short-term financial performance views and market sentiment.
6 Jul
Esquire Financial Holdings expands into litigation finance and legal market segments, raising questions on whether this alters its core investment profile and future performance outlook. Litigation finance and legal market expansion represent major strategic shifts likely to reshape Esquire's growth trajectory and investor positioning.
24 Jun
Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. received stockholder approvals for their merger. Merger approval enables Esquire to complete acquisition of Signature Bancorporation and expand operations.
23 Jun
Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. have announced the final exchange ratio for their proposed merger. Announcement of final merger exchange ratio marks a major strategic step that will expand ESQ's scale and alter its competitive position.
9 Jun
Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. receive all regulatory approvals for their proposed merger. Merger approval enables major strategic expansion and alters Esquire Financial Holdings trajectory through combined operations and market reach.
23 Apr
Esquire Financial Holdings, Inc. (ESQ) released Q1 earnings call highlights covering financial results, growth metrics, and strategic updates. Q1 earnings highlights detail financial performance and future guidance, significantly influencing investor sentiment and stock trajectory.
Esquire Financial Holdings (ESQ) Q1 earnings key metrics compared to analyst estimates, highlighting performance against expectations. Q1 earnings comparison to estimates signals financial health and directly impacts stock price and investor sentiment.
Esquire Financial Holdings, Inc. (ESQ) surpassed Q1 earnings and revenue estimates. Beating Q1 earnings and revenue estimates signals robust financial performance and boosts investor sentiment significantly.
Esquire Financial Holdings, Inc. (ESQ) reported first quarter 2026 results. Quarterly earnings reports drive significant shifts in stock valuation and investor confidence.
22 Apr
Esquire Bank ranked among top 25 U.S. merchant acquirers by Nilson Report. Top 25 ranking enhances ESQ's competitive positioning in merchant acquiring and supports positive market sentiment.
31 Mar
Esquire Bank, subsidiary of Esquire Financial Holdings, Inc. (ESQ), recognized by S&P Global Market Intelligence as a best-performing U.S. community bank of 2025. Recognition as top-performing community bank elevates ESQ's reputation and investor sentiment without fundamentally altering operations.
15 Mar
Esquire Financial Holdings, Inc. (ESQ) agreed to acquire Signature Bancorporation in a $350 million all-stock transaction to expand its operations into the Chicago market. The $350 million acquisition of Signature Bancorporation propels Esquire Financial's geographic expansion into Chicago, enhancing its competitive position and growth trajectory.
12 Mar
Esquire Financial Holdings, Inc. (ESQ) announced acquisition of Signature Bancorporation Inc., expanding into the Chicago banking market. Acquisition expands ESQ into new Chicago market, enhancing growth and competitive positioning.
New York's Esquire Bank is expanding into Chicago with a $348.4 million push. $348.4M Chicago expansion marks a major strategic market entry poised to significantly enhance growth and investor sentiment.
6 Feb
Esquire Financial Holdings, Inc. (ESQ) is highlighted among three stocks that have announced dividend increases during a period of market volatility. The article emphasizes the importance of dividend hikes as a signal of financial health and stability, particularly in uncertain economic conditions. Investors are encouraged to consider these stocks as potential opportunities amidst fluctuating market sentiments. Dividend increases can positively influence investor sentiment and financial performance, but the overall impact is expected to be limited.
5 Feb
Esquire Financial Holdings, Inc. (ESQ) is highlighted as one of three undiscovered investment opportunities in the U.S. market, showcasing strong potential for growth. The article emphasizes the company's strategic positioning and financial health, suggesting that it could outperform competitors in the financial sector. Analysts believe that ESQ's innovative approach and market strategies may lead to significant returns for investors, making it a noteworthy consideration for those seeking undervalued stocks. Esquire Financial Holdings is positioned for significant growth due to its strategic initiatives and market potential.
2 Feb
Esquire Financial Holdings, Inc. has announced a 14% increase in its quarterly dividend for common stockholders, reflecting the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate is set to enhance investor confidence and attract potential investors, signaling the company's positive outlook. The dividend increase indicates strong financial health and could significantly influence investor sentiment and market performance.
31 Jan
Keefe, Bruyette & Woods has raised the target price for Esquire Financial Holdings, Inc. (ESQ) following the company's in-line core performance. This adjustment reflects confidence in ESQ's operational stability and growth potential in the financial sector. The target price increase indicates a moderately positive outlook on Esquire Financial's performance, but it does not signify a major shift in the company's trajectory.
22 Jan
Esquire Financial Holdings, Inc. reported its fourth quarter and full year 2025 results, highlighting significant growth in net income and total assets. The company achieved a notable increase in loan originations and deposits, reflecting strong demand for its financial services. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing operational efficiency and customer engagement. Overall, the results indicate a positive trajectory for Esquire Financial, positioning it well for upcoming market opportunities. The reported financial results and growth initiatives are likely to significantly impact the company's future performance and market positioning.
Esquire Financial Holdings, Inc. (ESQ) reported its Q4 earnings, revealing key metrics that were compared against market estimates. The results highlighted the company's financial performance and operational metrics, providing insights into its growth trajectory and market positioning. Analysts are assessing the implications of these results on future performance and investor sentiment. The earnings report indicates moderate influences on financial performance and market sentiment, but overall effects are expected to be balanced by other factors.
Esquire Financial Holdings, Inc. (ESQ) reported its Q4 earnings, which fell short of analysts' expectations. The company's performance was impacted by various factors, leading to a decline in net income compared to the previous year. Despite the challenges, Esquire remains focused on its strategic initiatives to enhance growth and profitability in the future. Earnings falling short of estimates may moderately influence investor sentiment and financial performance.
7 Jan
Esquire Financial Holdings, Inc. (ESQ) is highlighted as a promising investment opportunity due to its strong financial performance, innovative banking solutions, and strategic growth initiatives. The company has shown resilience in a competitive market, focusing on enhancing customer experience and expanding its service offerings. Analysts suggest that ESQ's unique positioning and commitment to technology-driven solutions could lead to significant growth in the coming years, making it an attractive option for investors seeking undiscovered gems in the U.S. market. Esquire Financial's strategic growth initiatives and innovative solutions are likely to significantly impact its future performance and market positioning.
18 Dec
Esquire Financial Holdings, Inc. (ESQ) has experienced a significant surge in its stock price due to heightened demand from investors. This uptick reflects growing confidence in the company's performance and potential for future growth. Analysts suggest that the increased interest may be linked to positive market sentiment and strategic developments within the firm, positioning ESQ favorably in the financial sector. The surge in stock price indicates significant investor confidence and potential strategic developments that could alter the company's trajectory.
Esquire Financial Holdings, Inc. (ESQ) is gaining attention as a promising small-cap stock, driven by strong demand and positive market sentiment. The company is positioned for growth, with strategic initiatives that could enhance its competitive edge. Analysts highlight its robust financial performance and potential for significant returns, making it an attractive option for investors looking for emerging opportunities in the financial sector. Strategic initiatives and strong market demand are likely to significantly impact Esquire Financial's future performance.