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Esquire Financial Holdings, Inc. ESQ R2K

Financial Services · Banks - Regional · United States
https://www.esquirebank.com

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it provides cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it offers payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

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$109.89
+22.00% 1Y

Market & Price

Market Cap
$949.39M
Current Price
$109.89
High / Low (52W)
$116.44 / $87.59
Beta
0.39

Valuation

Stock P/E
18.47
Industry PE
12.01
Forward P/E
12.70
PEG Ratio
-
Book Value
$36.78
Price to Book
2.99
P/S
6.67
EV/EBITDA
-
Dividend Yield
0.68%

Profitability & Returns

ROCE
-
ROE
18.70%
ROA
2.36%
Profit Margin
36.26%
Op Margin
49.46%
EPS (Latest Qtr)
$1.40
EPS (TTM)
$5.95

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$2.41M
Total Assets
$2.37B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.45%
Chg in Prom Hold
-
FII / Inst Holding
71.60%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$680.45M
Total Revenue (TTM)
$142.38M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$63.54M
Shares Outstanding
8.64M
Gross Margin
0.00%
Payout Ratio
12.21%

Growth (CAGR)

Revenue 5Y
20.26%
Profit 5Y
21.24%
Revenue (YoY)
17.00%
Earnings (YoY)
5.30%

PROS

  • Excellent profit margin of 36.3%.
  • Compounding revenue at 20.3% over 5 years.
  • Profit CAGR of 21.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ESQ Esquire Financial Holdings, Inc. R2K 109.89 18.47 $949.39M 0.68% - 18.70% 20.26% 21.24%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --33.76M35.83M37.57M39.40M40.46M
Cost of Revenue -------
Gross Profit -------
Operating Expenses -------
Operating Income -------
EBITDA -------
Interest Expense --3.90M4.28M4.79M4.96M5.03M
Pretax Income --15.51M15.24M17.46M17.43M17.10M
Tax Provision --4.11M3.35M3.40M3.97M4.89M
Net Income --11.41M11.89M14.06M13.47M12.21M
Diluted EPS --1.331.381.621.551.40

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -84.27M113.52M124.82M146.56M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -1.65M8.12M13.44M17.94M
Pretax Income -38.80M55.88M59.28M65.65M
Tax Provision -10.28M14.87M15.62M14.83M
Net Income -28.52M41.01M43.66M50.82M
Diluted EPS -3.474.915.145.87

Compounded Sales Growth

5 Years:20.26%
1 Year:17.00%

Compounded Profit Growth

5 Years:21.24%
1 Year:5.30%

Stock Price Performance

1 Year:+22.00%
6 Months:+6.34%
3 Months:+9.03%
1 Month:+4.44%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.40B1.62B1.89B2.37B
Current Assets -----
Cash & Equivalents -164.12M165.21M126.33M235.89M
Inventory -----
Receivables -5.77M9.13M10.12M12.64M
Total Liabilities -1.24B1.42B1.66B2.08B
Current Liabilities -----
Long Term Debt -----
Total Debt -----
Total Equity -158.16M198.56M237.09M289.60M
Shares Outstanding -8.24M8.36M8.47M8.71M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -38.80M42.40M42.21M59.84M
Investing Cash Flow --221.50M-215.40M-308.27M-362.09M
Financing Cash Flow -197.67M174.09M227.17M411.81M
Capital Expenditure --1.24M-3.00M-3.15M-5.58M
Free Cash Flow -37.56M39.40M39.06M54.26M
Net Change in Cash -14.97M1.09M-38.88M109.56M

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -33.8%36.1%35.0%34.7%
ROE % -18.0%20.7%18.4%17.5%
ROCE % -----

Shareholding Pattern

Insiders
17.45%
Institutions
71.60%
Public Float
86.74%

Top Institutional Holders

#Holder% HeldSharesValue
1 Mawer Investment Management Ltd. 8.39% 725.21K $79.69M
2 Blackrock Inc. 6.37% 550.35K $60.48M
3 Wasatch Advisors LP 3.98% 344.05K $37.81M
4 Vanguard Capital Management LLC 3.61% 311.82K $34.27M
5 Copeland Capital Management, LLC 3.53% 304.65K $33.48M
6 Basswood Capital Management, L.L.C. 3.11% 268.73K $29.53M
7 State Street Corporation 3.08% 266.27K $29.26M
8 Ampfield Management, L.P. 2.70% 233.22K $25.63M
9 American Century Companies Inc 2.66% 229.92K $25.27M
10 Geode Capital Management, LLC 2.60% 224.80K $24.70M

Analyst View

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