Esquire Financial Holdings, Inc. (ESQ) vs Republic Bancorp, Inc. (RBCAA)

Esquire Financial Holdings, Inc. and Republic Bancorp, Inc. are both Banks Regional companies. Esquire Financial Holdings, Inc. and Republic Bancorp, Inc. are of similar size ($1.6B and $1.5B). Republic Bancorp, Inc. trades at the lower P/E: 13.9× against 19.7×. Esquire Financial Holdings, Inc. grew revenue faster over the last twelve months: 20.0% against −2.72%. Esquire Financial Holdings, Inc. has the higher net margin (29.3% vs 25.4%) and the higher return on invested capital (61.2% vs 10.6%). Both pay a dividend; Republic Bancorp, Inc. yields more (2.11% vs 0.61%). Across the 19 metrics below, Esquire Financial Holdings, Inc. leads on 10 and Republic Bancorp, Inc. on 9.

Valuation

Metric ESQ RBCAA Banks Regional median
P/E 19.69 13.93 12.02
P/S 5.84 3.61 2.36
P/B 3.35 1.57 1.23
Price to free cash flow 16.34 13.35 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.08% 7.18% 8.21%
Free cash flow yield 6.12% 7.49% 9.23%

Profitability

Metric ESQ RBCAA Banks Regional median
Gross margin 88.70% 81.19% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.30% 25.38% 18.82%
Free cash flow margin 35.75% 27.05% 17.97%
Return on equity 18.26% 11.55% 10.28%
Return on assets 2.31% 1.82% 1.13%
Return on invested capital 61.15% 10.63% 8.45%

Growth

Metric ESQ RBCAA Banks Regional median
Revenue growth (TTM) 19.99% (2.72%) 6.37%
EPS growth (last fiscal year) 14.20% 28.98% 18.85%
Revenue growth, 5-year CAGR 25.29% 8.97% 12.65%
Net income growth, 5-year CAGR 32.13% 9.54% 9.81%

Health

Metric ESQ RBCAA Banks Regional median
Debt to equity 0.00 0.14 0.17
Current ratio 0.97 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ESQ RBCAA Banks Regional median
Dividend yield 0.61% 2.11% 2.49%
Payout ratio 0.13 0.30 0.29

Size

Metric ESQ RBCAA Banks Regional median
Market cap 1.54b 1.59b 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack