(ESQ) Esquire Financial Holdings - Overview
Stock: Deposits, Commercial Loans, Consumer Loans, Real-Estate Loans, Merchant Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.76% |
| Yield on Cost 5y | 3.14% |
| Yield CAGR 5y | 35.72% |
| Payout Consistency | 100.0% |
| Payout Ratio | 12.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.4% |
| Relative Tail Risk | -3.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.95 |
| Alpha | 22.20 |
| Character TTM | |
|---|---|
| Beta | 0.634 |
| Beta Downside | 0.505 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.30% |
| CAGR/Max DD | 1.68 |
Description: ESQ Esquire Financial Holdings January 25, 2026
Esquire Financial Holdings, Inc. (NASDAQ: ESQ) is the holding company for Esquire Bank, NA, which focuses on commercial banking services for law firms, small-business clients, and retail customers across the United States. Its product suite includes checking, savings, money-market and time-deposit accounts, a broad array of commercial and consumer loans (including inventory financing, structured-settlement lending, and real-estate financing), and ancillary services such as cash-management, ACH processing, and merchant-services solutions.
In its most recent quarter (Q4 2025), ESQ reported total assets of **$2.1 billion**, a loan portfolio of **$1.4 billion** (up 6 % YoY) and deposits of **$1.7 billion** (up 4 % YoY). Net interest margin (NIM) stood at **3.45 %**, reflecting the current 5-6 % Federal Funds rate environment, while the CET1 capital ratio remained robust at **13.2 %**. The company posted **$12.3 million** in net income, translating to earnings per share of **$0.68**, a modest improvement over the prior year.
Key drivers for ESQ’s performance include: (1) a **steady demand for specialized legal-industry financing**, which tends to be less cyclical than broader commercial credit; (2) **interest-rate sensitivity**-regional banks benefit from a higher yield curve but must manage asset-liability mismatches; and (3) **regional economic trends** in the Northeast, where modest business-investment growth supports loan demand while deposit inflows remain constrained by competition from larger banks.
For a deeper quantitative comparison, you may want to explore ValueRay’s analytics platform to benchmark ESQ against peer regional banks.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 50.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.24 > 1.0 |
| NWC/Revenue: -849.3% < 20% (prev -914.2%; Δ 64.91% < -1%) |
| CFO/TA 0.02 > 3% & CFO 54.7m > Net Income 50.9m |
| Net Debt (-235.9m) to EBITDA (71.3m): -3.31 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.71m) vs 12m ago 2.42% < -2% |
| Gross Margin: 84.98% > 18% (prev 0.87%; Δ 8411 % > 0.5%) |
| Asset Turnover: 7.73% > 50% (prev 7.31%; Δ 0.42% > 0%) |
| Interest Coverage Ratio: 2.69 > 6 (EBITDA TTM 71.3m / Interest Expense TTM 17.9m) |
Altman Z'' 0.86
| A: -0.59 (Total Current Assets 482.4m - Total Current Liabilities 1.88b) / Total Assets 2.37b |
| B: 0.08 (Retained Earnings 185.8m / Total Assets 2.37b) |
| C: 0.02 (EBIT TTM 48.2m / Avg Total Assets 2.13b) |
| D: 4.12 (Book Value of Equity 8.55b / Total Liabilities 2.08b) |
| Altman-Z'' Score: 0.86 = B |
What is the price of ESQ shares?
Over the past week, the price has changed by +8.19%, over one month by +8.24%, over three months by +20.88% and over the past year by +32.10%.
Is ESQ a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ESQ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 120.5 | 4.4% |
| Analysts Target Price | 120.5 | 4.4% |
| ValueRay Target Price | 158.4 | 37.3% |
ESQ Fundamental Data Overview February 02, 2026
P/S = 6.6723
P/B = 3.2349
Revenue TTM = 164.5m USD
EBIT TTM = 48.2m USD
EBITDA TTM = 71.3m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 5.02m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -235.9m USD (from netDebt column, last quarter)
Enterprise Value = 436.0m USD (913.3m + Debt 5.02m - CCE 482.4m)
Interest Coverage Ratio = 2.69 (Ebit TTM 48.2m / Interest Expense TTM 17.9m)
EV/FCF = 8.88x (Enterprise Value 436.0m / FCF TTM 49.1m)
FCF Yield = 11.26% (FCF TTM 49.1m / Enterprise Value 436.0m)
FCF Margin = 29.83% (FCF TTM 49.1m / Revenue TTM 164.5m)
Net Margin = 30.91% (Net Income TTM 50.9m / Revenue TTM 164.5m)
Gross Margin = 84.98% ((Revenue TTM 164.5m - Cost of Revenue TTM 24.7m) / Revenue TTM)
Gross Margin QoQ = 88.82% (prev 84.56%)
Tobins Q-Ratio = 0.18 (Enterprise Value 436.0m / Total Assets 2.37b)
Interest Expense / Debt = 98.80% (Interest Expense 4.96m / Debt 5.02m)
Taxrate = 22.40% (3.90m / 17.4m)
NOPAT = 37.4m (EBIT 48.2m * (1 - 22.40%))
Current Ratio = 0.26 (Total Current Assets 482.4m / Total Current Liabilities 1.88b)
Debt / Equity = 0.02 (Debt 5.02m / totalStockholderEquity, last quarter 289.6m)
Debt / EBITDA = -3.31 (Net Debt -235.9m / EBITDA 71.3m)
Debt / FCF = -4.81 (Net Debt -235.9m / FCF TTM 49.1m)
Total Stockholder Equity = 270.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.39% (Net Income 50.9m / Total Assets 2.37b)
RoE = 18.78% (Net Income TTM 50.9m / Total Stockholder Equity 270.8m)
RoCE = 9.92% (EBIT 48.2m / Capital Employed (Total Assets 2.37b - Current Liab 1.88b))
RoIC = 1259 % (out of range, set to none) (EBIT 48.2m / (Assets 2.37b - Curr.Liab 1.88b - Cash 482.4m))
WACC = 8.20% (E(913.3m)/V(918.4m) * Re(8.25%) + (debt cost/tax rate unavailable))
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.90%
[DCF Debug] Terminal Value 78.63% ; FCFF base≈47.0m ; Y1≈51.3m ; Y5≈64.9m
Fair Price DCF = 153.7 (EV 1.08b - Net Debt -235.9m = Equity 1.31b / Shares 8.55m; r=8.20% [WACC]; 5y FCF grow 10.56% → 2.90% )
EPS Correlation: 91.52 | EPS CAGR: 25.57% | SUE: 0.89 | # QB: 1
Revenue Correlation: 94.61 | Revenue CAGR: 28.10% | SUE: 3.97 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.53 | Chg30d=+0.017 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=6.38 | Chg30d=+0.113 | Revisions Net=+1 | Growth EPS=+8.7% | Growth Revenue=+16.5%
EPS next Year (2027-12-31): EPS=6.92 | Chg30d=+0.040 | Revisions Net=+0 | Growth EPS=+8.5% | Growth Revenue=+11.8%