Esquire Financial Holdings Inc (ESQ)
NASDAQ:ESQ
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Esquire Financial Holdings
(NASDAQ:ESQ)
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Rating:79Outperform
Price Target:
$132.00
▲(13.83% Upside)
Action:Reiterated
Date:06/25/26
The score is driven primarily by strong financial performance (profitability, conservative leverage, and solid cash conversion) and supportive technical momentum (price above key moving averages with positive MACD). Valuation is only average given a ~18.5 P/E and low yield, while corporate developments around the Signature merger are a net positive but include modest dilution.
Positive Factors
Conservative balance sheet
Esquire’s balance sheet shows minimal to zero debt, equity rising from $143.7M (2021) to $301.3M (TTM) and sustained ROE (~17%–21%). This capital strength provides durable loss-absorbing capacity, supports disciplined lending, and enables strategic M&A or dividends without levering the bank.
Negative Factors
Slowing revenue growth
Recent deceleration in organic revenue growth reduces the company’s internal growth runway and increases reliance on strategic transactions or margin improvement to meet investor expectations. Slower top-line trends can lengthen payback on integration investments and pressure medium-term earnings scalability.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Esquire’s balance sheet shows minimal to zero debt, equity rising from $143.7M (2021) to $301.3M (TTM) and sustained ROE (~17%–21%). This capital strength provides durable loss-absorbing capacity, supports disciplined lending, and enables strategic M&A or dividends without levering the bank.
Read all positive factors
Esquire Financial Holdings (ESQ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.02B
Dividend Yield0.66%
Average Volume (3M)68.95K
Price to Earnings (P/E)19.0
Beta (1Y)0.63
Revenue Growth20.11%
EPS Growth11.08%
CountryUS
Employees138
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.25
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 Cap0.73
Enterprise Value/Revenue4.34
Enterprise Value/Gross Profit5.06
Enterprise Value/Ebitda9.94
Forecast
1Y Price Target
$125.00Price Target Upside7.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)6.66
Revenue Forecast (FY)$184.46M
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 primarily makes money through its bank subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees received on loans and other inte...
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 | 172.32M | 164.50M | 138.27M | 121.64M | 85.92M | 65.56M |
| Gross Profit | 147.99M | 139.79M | 120.12M | 109.00M | 80.78M | 57.77M |
| EBITDA | 75.27M | 71.28M | 62.57M | 58.42M | 41.35M | 24.94M |
| Net Income | 51.66M | 50.85M | 43.66M | 41.01M | 28.52M | 17.93M |
Balance Sheet | ||||||
| Total Assets | 2.42B | 2.37B | 1.89B | 1.62B | 1.40B | 1.18B |
| Cash, Cash Equivalents and Short-Term Investments | 480.21M | 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 | 2.12B | 2.08B | 1.66B | 1.42B | 1.24B | 1.04B |
| Stockholders Equity | 301.27M | 289.60M | 237.09M | 198.56M | 158.16M | 143.74M |
Cash Flow | ||||||
| Free Cash Flow | 54.97M | 56.68M | 39.06M | 39.40M | 37.56M | 27.14M |
| Operating Cash Flow | 63.54M | 59.84M | 42.21M | 42.40M | 38.80M | 30.08M |
| Investing Cash Flow | -419.69M | -362.09M | -308.27M | -215.40M | -221.50M | -170.49M |
| Financing Cash Flow | 405.33M | 411.81M | 227.17M | 174.09M | 197.67M | 224.38M |
Esquire Financial Holdings Technical Analysis
Positive
115.96
Price Trends
110.04
Positive
108.91
Positive
105.52
Positive
Market Momentum
1.94
Negative
65.76
Neutral
64.83
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 115.96 is above the 20-day moving average (MA) of 112.26, above the 50-day MA of 110.04, and above the 200-day MA of 105.52, indicating a bullish trend. The MACD of 1.94 indicates Negative momentum. The RSI at 65.76 is Neutral, neither overbought nor oversold. The STOCH value of 64.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ESQ.
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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.02B | 18.96 | 18.23% | 0.66% | 20.11% | 11.08% | |
78 Outperform | $1.24B | 13.25 | 10.19% | 2.59% | 3.92% | 25.09% | |
74 Outperform | $1.06B | 11.20 | 18.63% | 0.04% | 17.95% | 29.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.04B | 14.86 | 8.49% | 4.59% | -6.76% | -18.82% | |
63 Neutral | $1.08B | 14.13 | 7.46% | 4.73% | 7.25% | 49.05% | |
60 Neutral | $977.87M | 18.08 | 6.81% | 1.79% | 8.98% | ― |
* Financial Sector Average
ESQ
Esquire Financial Holdings
118.47
24.51
26.08%
CFFN
Capitol Federal Financial
8.48
2.71
47.07%
NBN
Northeast Bancorp
132.78
43.82
49.26%
SBSI
Southside Bancshares
35.08
7.00
24.94%
UVSP
Univest Of Pennsylvania
44.40
15.17
51.92%
AMTB
Amerant Bancorp
25.42
7.51
41.90%
Esquire Financial Holdings Corporate Events
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 ...
Business Operations and StrategyDividends
Esquire Financial Declares Quarterly Dividend, Signaling Ongoing Stability
Positive
Apr 30, 2026
On April 30, 2026, Esquire Financial Holdings, Inc., the parent of Esquire Bank, declared a regular quarterly cash dividend of $0.20 per share on its common stock. The dividend is scheduled to be paid on June 1, 2026, to shareholders of record as ...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Esquire Financial posts strong Q1 results, raises dividend
Positive
Apr 23, 2026
On April 23, 2026, Esquire Financial reported first-quarter 2026 net income of $12.2 million, up 7% year-on-year, and maintained industry-leading returns on assets and equity despite $1.7 million of merger and compensation-related noninterest expe...
Executive/Board Changes
Esquire Financial Director Resigns, Board Size Reduced
Neutral
Apr 2, 2026
On March 31, 2026, long-serving director Selig Zises resigned from all director and committee positions at Esquire Financial Holdings, Inc. and Esquire Bank, National Association to focus on his personal health and related disability, with his res...
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.