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Esquire Financial Holdings, Inc. (ESQ) stock analysis

ESQNasdaqCommercial Banks, NECFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 12/3033% above fair value
$131.69−0.61 (-0.46%)

Close on Nov 12, 2026Market cap $1.59BP/E 21.9Yield 0.53%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth3Performance3Health3Dividend3

Mixed12 of 30 checks passed

Esquire Financial passes 12 of the 30 checks behind our score; 6 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
3/6
Past performance
3/6
Financial health
3/6
Dividend
3/6

What stands out

  • Earnings grew over 5 years

    Net income grew 32.1% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 20.3% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 19.2% a year over the last three fiscal years.

  • Covered by free cash flow

    Dividends take 11.6% of free cash flow.

What to watch

  • Margin of safety under 20%

    The price is 32.7% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $132.30 is above our fair value estimate of $99.70.

  • Return on equity under 15%

    Return on equity was 10.5% over the last twelve months and averaged 18.9% over five years; we look for 15% on both.

  • Earnings growth not accelerating

    Net income grew 14.3% over the last twelve months, against a 5-year average of 32.1% a year.

Valuation0/6

  • P/E above its 5-year median

    Esquire Financial's P/E of 22.0 is above its own 5-year median of 14.9.

  • P/E above the industry

    Esquire Financial's P/E of 22.0 is above the Commercial Banks median of 12.1.

  • P/S above the industry

    Esquire Financial's price-to-sales of 8.73 is above the Commercial Banks median of 3.60.

  • P/B above the industry

    Esquire Financial's price-to-book of 2.04 is above the Commercial Banks median of 1.29.

  • Trading above fair value

    The share price of $132.30 is above our fair value estimate of $99.70.

  • Margin of safety under 20%

    The price is 32.7% above fair value, so there is no margin of safety.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 20.3% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 19.2% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 14.3% over the last twelve months, against a 5-year average of 32.1% a year.

  • Growing faster than the industry

    Revenue grew 30.8% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 10.5% over the last twelve months and averaged 18.9% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.6%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Esquire Financial's return on equity of 10.5% is below the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 32.1% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 30.6% over the last twelve months, against a 5-year average of 33.5%.

  • Net margin above the industry

    Esquire Financial's net margin of 30.6% is above the Commercial Banks median of 30.3%.

Financial health3/6

  • Well capitalized

    Equity is 16.4% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 52.8% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 112% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Esquire Financial paid dividends worth 0.6% of the share price over the last twelve months.

  • Yield below Treasuries

    The 0.6% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Esquire Financial yields 0.6%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 13.0% of net income.

  • Covered by free cash flow

    Dividends take 11.6% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$99.70

The share price is 33% above this estimate.

20%+ below
Near fair value
20%+ above
$132.30Price$99.70Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E13.5×14.9×12.1×$81.1850%
P/B1.8×2.3×1.3×$118.2350%
Fair value$99.70100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 14.9
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$17.61M
Value traded per 1% price move
$12.36M

Downside

Low risk

Typical loss in a bad month
13.4%
Volatility (annualized)
33%
Sharpe ratio, 1 year
0.98
Beta to the S&P 500 (5Y)
0.54

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2014 to 2025

Net margin

34.7%+10.5 pts over 5 years

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