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Company Analysis

Esquire Financial Holdings, Inc ESQ

A comprehensive view of key metrics, scores, and financial health for Esquire Financial Holdings, Inc

Overview of Esquire Financial Holdings, Inc.

ESQ NCM
Financial Services Banks - Regional Small Cap
Esquire Financial Holdings, Inc. (ESQ), is a Small Cap company, in the Banks - Regional industry, last closed at $109.99, about 69.8% overvalued vs fair value, +54.3% 1Y return, ranked 379/1004 in sector.
$109.99
3.76%
As of March 13, 2026
Previous close • Vol 90d: 33.6%
52-Week Range
Market Cap
$942.12M
Enterprise Value
$711.25M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.esquirebank.com
HQ Jericho, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $109.99 -70% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$113.4M
23.4%%
Interest Expense
$17.9M
Net Interest Income
$99.9M
19.3%%
Total Revenue
$164.5M
31.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
18.4%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.8M
11.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Esquire Financial Holdings, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
82
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ESQ's balance between Growth (24.4%), Profitability (37.4%), and Safety (38.2%). Growth 24% Safety 38% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

62th percentile vs peers
62
Key Signals
Asset Growth YoY 25.0% 91p Revenue CAGR 3Y 25.0% 74p Rev Growth YoY 31.8% 29p
Strengths
  • Asset Growth Yoy in top 20% of peers (25.0%, 91th percentile)
  • Roe in top 20% of peers (20.0%, 98th percentile)
  • Roa in top 20% of peers (2.5%, 97th percentile)
Risks

No significant risks identified for this axis.

Profitability

95th percentile vs peers
96
Key Signals
Strengths
Risks
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Safety

97th percentile vs peers
98
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Esquire Financial Holdings, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.21
- - -
-69.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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