Esquire Financial Holdings, Inc. (ESQ) stock
ESQNasdaqCommercial Banks, NECFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 12/3032% above fair value
$131.81+0.12 (+0.09%)
Close on Nov 13, 2026Market cap $1.60BP/E 21.9Yield 0.53%
Esquire Financial statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 21, 2027 (estimated, before the open)
- Last ex-dividend date
- Nov 13, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 3.24
- 1.52
- P/OCF Ratio
- 24.92
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 6.13
- 2.95
- EV / FCF
- 17.79
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 7.87%
- 0.33%
- Shares Change (QoQ)
- 40.6%
- 0.00%
- Float
- 11M
- 17M
- Shares Held by Insiders
- 11.6%
- 6.05%
- Shares Held by Institutions
- 52.7%
- 61.3%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- -2.37%
- -4.13%
- Short % of Float
- 11.8%
- 3.58%
- Short % of Shares Outstanding
- 10.4%
- 3.18%
- Days to Cover
- 7.96
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $134.81
- –
- 52-Week Low
- $94.00
- –
- 20-Day Moving Average
- $126.44
- –
- 50-Day Moving Average
- $122.37
- –
- 200-Day Moving Average
- $115.46
- –
- Average True Range (14)
- $3.65
- –
- Price Change (1 Week)
- 2.06%
- 0.69%
- Price Change (1 Month)
- 10.8%
- 3.79%
- Price Change (3 Months)
- 6.22%
- -2.72%
- Price Change (6 Months)
- 25.0%
- 12.2%
- Price Change (YTD)
- 29.1%
- 19.9%
- Price Change (1 Year)
- 32.4%
- 25.7%
- Price Change (3 Years)
- 173.9%
- 65.1%
- Price Change (5 Years)
- 263.9%
- 26.9%
- Average Volume (10 Days)
- 145,482
- –
- Average Volume (20 Days)
- 152,383
- –
- Average Volume (90 Days)
- 160,447
- –
- Relative Volume
- 0.60
- 0.68
- Relative Strength Index (14)
- 63.9
- 53.1
- Volatility (1 Year)
- 32.5%
- 24.4%
- Beta (5 Years)
- 0.54
- 0.63
MarginsIndustry
- Pretax Margin
- 41.6%
- 37.0%
- FCF Margin
- 34.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 10.5%
- 10.7%
- Return on Assets (ROA)
- 1.61%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 30.8%
- 11.7%
- Net Income Growth (YoY)
- 14.3%
- 22.6%
- EPS Growth (YoY)
- 5.62%
- 21.6%
- FCF Growth (YoY)
- 21.9%
- 27.2%
- Revenue Growth (3Y CAGR)
- 20.3%
- 5.82%
- Revenue Growth (5Y CAGR)
- 23.0%
- 6.17%
- EPS Growth (3Y CAGR)
- 19.2%
- 1.31%
- EPS Growth (5Y CAGR)
- 28.9%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $1.21M
- $358.92K
- Profits Per Employee
- $371.78K
- $110.51K
- Employee Count
- 151
- 492
- WACC
- 7.81%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $76.29M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $471.50M
- $165.09M
- Net Cash Per Share
- $38.95
- $8.07
- Equity (Book Value)
- $786.62M
- $570.13M
- Book Value Per Share
- $64.98
- $28.12
- Tangible Book Value
- $492.23M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$840.00K
- -$4.24M
- FCF Per Share
- $5.22
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 3.52%
- 8.29%
- FCF Yield
- 3.96%
- 9.18%
- Dividend Yield
- 0.53%
- 2.44%
- Shareholder Yield
- 0.53%
- 3.26%
- Dividend Per Share
- $0.70
- $0.92
- Dividend Growth (YoY)
- 16.7%
- 4.26%
- Years of Dividend Growth
- 3
- 2
- Payout Ratio
- 13.0%
- 28.5%
- FCF Payout Ratio
- 11.6%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $20.15M
- $16.14M
- Effective Tax Rate
- 26.4%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $93.74
- $45.07
- Graham Upside
- -28.9%
- 18.8%
- Altman Z-Score
- 0.34
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $150.25
- –
- Lynch Upside
- 14.0%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | ESQ | S&P 500 | Difference | ESQ per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +9.8% | -3.0% | +12.9 pts | ||
| 3 months | +0.4% | -2.8% | +3.2 pts | ||
| Year to date | +30.0% | +11.5% | +18.5 pts | ||
| 1 year | +36.4% | +13.5% | +23.0 pts | ||
| 3 years | +198.0% | +77.7% | +120.3 pts | +43.9% | +21.1% |
| 5 years | +280.0% | +72.6% | +207.4 pts | +30.6% | +11.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M ESQ shares were sold short on Oct 30, 2026, down 2.4% from the previous report, or 11.75% of the shares available to trade. At recent volumes it would take 8.0 days to buy them back. Over the last 20 sessions, 64.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,257,433 | -2.4% | 157,885 | 8.0 |
| Oct 15, 2026 | 1,287,961 | +2.8% | 123,593 | 10.4 |
| Sep 30, 2026 | 1,252,710 | +23.2% | 239,693 | 5.2 |
| Sep 15, 2026 | 1,017,061 | +19.2% | 177,376 | 5.7 |
| Aug 31, 2026 | 853,384 | -9.2% | 143,615 | 5.9 |
| Aug 14, 2026 | 939,647 | +16.2% | 122,048 | 7.7 |
| Jul 31, 2026 | 808,560 | +4.0% | 173,592 | 4.7 |
| Jul 15, 2026 | 777,813 | -4.0% | 123,802 | 6.3 |
| Jun 30, 2026 | 810,482 | +10.6% | 145,215 | 5.6 |
| Jun 15, 2026 | 733,046 | +0.3% | 98,717 | 7.4 |
| May 29, 2026 | 731,144 | -7.7% | 114,852 | 6.4 |
| May 15, 2026 | 792,309 | +12.5% | 80,476 | 9.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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