Stock Scorecard
Stock Summary for Esquire Financial Holdings Inc (ESQ) - $105.03 as of 12/26/2025 10:21:32 PM EST
Total Score
16 out of 30
Safety Score
57 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for ESQ
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for ESQ
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for ESQ
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for ESQ
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for ESQ (57 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for ESQ
Financial Details for ESQ
Company Overview |
|
|---|---|
| Ticker | ESQ |
| Company Name | Esquire Financial Holdings Inc |
| Country | USA |
| Description | Esquire Financial Holdings, Inc., based in Jericho, New York, is a specialized banking holding company focused on delivering customized banking solutions, primarily serving the legal sector through its subsidiary, Esquire Bank, N.A. The bank also caters to a diverse array of small businesses and retail clients across the United States, underpinned by a commitment to exceptional client service and innovative financial products. By leveraging its deep industry expertise, Esquire Bank aims to address the distinctive financial needs of its clientele, positioning itself as a significant player in the niche commercial banking market. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/22/2026 |
Stock Price History |
|
| Last Day Price | 105.03 |
| Price 4 Years Ago | 30.39 |
| Last Day Price Updated | 12/26/2025 10:21:32 PM EST |
| Last Day Volume | 23,127 |
| Average Daily Volume | 68,652 |
| 52-Week High | 110.71 |
| 52-Week Low | 68.52 |
| Last Price to 52 Week Low | 53.28% |
Valuation Measures |
|
| Trailing PE | 18.68 |
| Industry PE | 19.79 |
| Sector PE | 23.72 |
| 5-Year Average PE | 15.01 |
| Free Cash Flow Ratio | 3.74 |
| Industry Free Cash Flow Ratio | 5.93 |
| Sector Free Cash Flow Ratio | 52.53 |
| Current Ratio Most Recent Quarter | 0.24 |
| Total Cash Per Share | 28.11 |
| Book Value Per Share Most Recent Quarter | 34.39 |
| Price to Book Ratio | 3.26 |
| Industry Price to Book Ratio | 1.24 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 6.90 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.44 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.89 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 8,565,500 |
| Market Capitalization | 899,634,465 |
| Institutional Ownership | 69.28% |
Dividends |
|
| Ex-Dividend Date | 11/14/2025 |
| Previous Dividend Amount | 0.1750 |
| Current Dividend Amount | 0.1750 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 0.70 |
| Trailing Annual Dividend Yield | 0.67% |
| Forward Annual Dividend Rate | 0.70 |
| Forward Annual Dividend Yield | 0.67% |
| 5-Year Dividend Payments Count | 15 |
| 3-Year Average Dividend Yield | 0.80% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 16.67% |
| 3-Year Dividend Growth Rate Percentage | 21.40% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 21.40% |
| Dividend Payout Ratio | 12.32% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 20.90% |
| Annual Earnings Growth | 6.45% |
| Reported EPS 12 Trailing Months | 5.68 |
| Reported EPS Past Year | 4.18 |
| Reported EPS Prior Year | 5.16 |
| Net Income Twelve Trailing Months | 49,107,000 |
| Net Income Past Year | 43,658,000 |
| Net Income Prior Year | 41,011,000 |
| Quarterly Revenue Growth YOY | 15.90% |
| 5-Year Revenue Growth | 23.32% |
| Operating Margin Twelve Trailing Months | 49.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 240,759,000 |
| Total Cash Past Year | 126,329,000 |
| Total Cash Prior Year | 165,209,000 |
| Net Cash Position Most Recent Quarter | 240,675,000 |
| Net Cash Position Past Year | 126,245,000 |
| Long Term Debt Past Year | 84,000 |
| Long Term Debt Prior Year | 88,000 |
| Total Debt Most Recent Quarter | 84,000 |
| Equity to Debt Ratio Past Year | 1.00 |
| Equity to Debt Ratio Most Recent Quarter | 1.00 |
| Total Stockholder Equity Past Year | 237,094,000 |
| Total Stockholder Equity Prior Year | 198,555,000 |
| Total Stockholder Equity Most Recent Quarter | 279,227,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 49,069,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 5.73 |
| Free Cash Flow Past Year | 39,063,000 |
| Free Cash Flow Prior Year | 39,397,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.42 |
| RSI | 0.00 |
| 50-Day SMA | 63.96 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 57.23 |
System |
|
| Modified | 12/26/2025 10:21:33 PM EST |