Stock Scorecard
Stock Summary for Esquire Financial Holdings Inc (ESQ) - $100.55 as of 9/17/2025 11:14:59 PM EST
Total Score
15 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) | 6 |
| Trading Volume (Max of 10) | 3 |
| 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. is a specialized banking holding company based in Jericho, New York, operating through its wholly-owned subsidiary, Esquire Bank, N.A. The bank focuses on delivering tailored commercial banking products and services primarily to the legal sector and small businesses, while also catering to a broader clientele of commercial and retail customers across the United States. With a commitment to innovation and client service, Esquire Bank leverages its deep industry expertise to support the unique financial needs of its customers, positioning itself as a key player within its niche market. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/23/2025 |
Stock Price History |
|
| Last Day Price | 100.55 |
| Price 4 Years Ago | 30.44 |
| Last Day Price Updated | 9/17/2025 11:14:59 PM EST |
| Last Day Volume | 78,289 |
| Average Daily Volume | 66,145 |
| 52-Week High | 105.92 |
| 52-Week Low | 59.95 |
| Last Price to 52 Week Low | 67.72% |
Valuation Measures |
|
| Trailing PE | 18.42 |
| Industry PE | 17.03 |
| Sector PE | 24.84 |
| 5-Year Average PE | 17.13 |
| Free Cash Flow Ratio | 5.27 |
| Industry Free Cash Flow Ratio | 7.17 |
| Sector Free Cash Flow Ratio | 42.30 |
| Current Ratio Most Recent Quarter | 0.24 |
| Total Cash Per Share | 19.09 |
| Book Value Per Share Most Recent Quarter | 32.74 |
| Price to Book Ratio | 3.22 |
| Industry Price to Book Ratio | 1.15 |
| Sector Price to Book Ratio | 2.33 |
| Price to Sales Ratio Twelve Trailing Months | 6.69 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.19 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.15 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 8,538,600 |
| Market Capitalization | 858,556,230 |
| Institutional Ownership | 69.56% |
Dividends |
|
| Ex-Dividend Date | 8/15/2025 |
| Previous Dividend Amount | 0.1750 |
| Current Dividend Amount | 0.1750 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 0.68 |
| Trailing Annual Dividend Yield | 0.69% |
| Forward Annual Dividend Rate | 0.70 |
| Forward Annual Dividend Yield | 0.72% |
| 5-Year Dividend Payments Count | 14 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 16.67% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 26.32% |
| Dividend Payout Ratio | 12.52% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 10.40% |
| Annual Earnings Growth | 6.45% |
| Reported EPS 12 Trailing Months | 5.39 |
| Reported EPS Past Year | 2.71 |
| Reported EPS Prior Year | 5.16 |
| Net Income Twelve Trailing Months | 46,410,000 |
| Net Income Past Year | 43,658,000 |
| Net Income Prior Year | 41,011,000 |
| Quarterly Revenue Growth YOY | 9.20% |
| 5-Year Revenue Growth | 23.32% |
| Operating Margin Twelve Trailing Months | 48.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 162,973,000 |
| Total Cash Past Year | 126,329,000 |
| Total Cash Prior Year | 165,209,000 |
| Net Cash Position Most Recent Quarter | 162,889,000 |
| 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 | 263,555,999 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 43,448,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 5.09 |
| 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 | 0.51 |
| MACD Signal | 0.33 |
| 20-Day Bollinger Lower Band | 86.68 |
| 20-Day Bollinger Middle Band | 94.60 |
| 20-Day Bollinger Upper Band | 102.53 |
| Beta | 0.57 |
| RSI | 59.07 |
| 50-Day SMA | 58.55 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 52.46 |
System |
|
| Modified | 9/17/2025 11:15:46 PM EST |