Esquire Financial Holdings, Inc. ESQ R2KR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 18.3%, reflecting efficient use of shareholder capital.
Net profit has compounded at 45.8% per year over the last five years.
Maintains a net profit margin of 35.3%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +21.4%, earnings +8.0%.
- 5-Year Trend Long-term compounding — profit CAGR 45.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 21.40% |
Compounded Profit Growth
| 5 Years: | 45.78% |
| 1 Year: | 8.00% |
Stock Price Performance
| 1 Year: | +21.31% |
| 6 Months: | +20.17% |
| 3 Months: | +10.22% |
| 1 Month: | -9.27% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)49.88 · Neutral
P/E of 19.63 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 35.3%.
- Profit CAGR of 45.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ESQ Esquire Financial Holdings, Inc. R2KR3KFINANCIAL | 118.96 | 19.63 | $1.03B | 0.61% | - | 18.26% | - | 45.78% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 748.00K | 740.00K | 815.00K | 1.03M | 1.14M | 1.96M | 2.22M | 1.68M | 2.98M | 3.47M | 3.82M | 2.60M | 2.53M | 3.61M | 4.17M | 4.50M | 2.52M | 5.34M | 6.35M | 7.71M | 12.18M | 9.11M | 9.84M | 10.06M | 10.49M | 11.36M | 11.41M | 11.89M | 14.06M | 12.21M | 12.98M |
| Diluted EPS | 0.15 | 0.14 | 0.16 | 0.20 | 0.16 | 0.26 | 0.29 | 0.22 | 0.39 | 0.45 | 0.49 | 0.33 | 0.33 | 0.48 | 0.53 | 0.57 | 0.32 | 0.66 | 0.78 | 0.94 | 1.47 | 1.10 | 1.17 | 1.20 | 1.25 | 1.34 | 1.33 | 1.38 | 1.62 | 1.40 | 1.49 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 1.17M | 2.82M | 3.64M | 8.73M | 14.14M | 12.62M | 17.93M | 28.52M | 41.01M | 43.66M | 50.82M |
| Diluted EPS | 0.25 | 0.55 | 0.58 | 1.13 | 1.82 | 1.65 | 2.26 | 3.47 | 4.91 | 5.14 | 5.87 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 424.83M | 533.56M | 663.90M | 798.01M | 936.71M | - | 1.40B | 1.62B | 1.89B | 2.37B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 42.99M | 43.08M | 30.56M | 61.81M | 65.19M | - | 164.12M | 165.21M | 126.33M | 235.89M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | 5.77M | 9.13M | 10.12M | 12.64M |
| Total Liabilities | - | - | 372.65M | 450.17M | 571.12M | 686.95M | 810.64M | - | 1.24B | 1.42B | 1.66B | 2.08B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Equity | 38.54M | 49.42M | 52.19M | 83.38M | 92.77M | 111.06M | 126.08M | - | 158.16M | 198.56M | 237.09M | 289.60M |
| Shares Outstanding | - | - | - | - | - | - | - | - | 8.24M | 8.36M | 8.47M | 8.71M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | 6.32M | 3.98M | 10.11M | 16.31M | 15.59M | - | 38.80M | 42.40M | 42.21M | 59.84M |
| Investing Cash Flow | - | -65.57M | -108.79M | -142.74M | -97.31M | -135.44M | - | -221.50M | -215.40M | -308.27M | -362.09M |
| Financing Cash Flow | - | 69.09M | 104.90M | 120.12M | 112.25M | 123.23M | - | 197.67M | 174.09M | 227.17M | 411.81M |
| Capital Expenditure | -85.00K | -2.67M | -190.00K | -569.00K | -647.00K | -750.00K | - | -1.24M | -3.00M | -3.15M | -5.58M |
| Free Cash Flow | - | 3.65M | 3.79M | 9.54M | 15.66M | 14.84M | - | 37.56M | 39.40M | 39.06M | 54.26M |
| Net Change in Cash | - | - | - | - | - | - | - | 14.97M | 1.09M | -38.88M | 109.56M |
| Share Buybacks | - | - | - | - | - | 567.00K | - | - | 286.00K | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 2.4% | 5.4% | 4.4% | 9.4% | 12.7% | 10.0% | - | 18.0% | 20.7% | 18.4% | 17.5% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 4.97% | 601.62K | $67.59M |
| 2 | Mawer Investment Management Ltd. | 4.82% | 583.87K | $65.60M |
| 3 | Basswood Capital Management, L.L.C. | 3.05% | 369.42K | $41.50M |
| 4 | State Street Corporation | 2.91% | 352.79K | $39.64M |
| 5 | Vanguard Capital Management LLC | 2.62% | 317.11K | $35.63M |
| 6 | Ampfield Management, L.P. | 2.59% | 313.47K | $35.22M |
| 7 | Copeland Capital Management, LLC | 2.45% | 296.54K | $33.32M |
| 8 | Wasatch Advisors LP | 2.41% | 292.24K | $32.83M |
| 9 | American Century Companies Inc | 2.03% | 245.69K | $27.60M |
| 10 | Geode Capital Management, LLC | 2.00% | 242.29K | $27.22M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ESQ
Esquire Financial (ESQ) Upgraded to Buy: Here's What You Should Know - Yahoo Finance
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Esquire Bank made the U.S. top 100 for a third year. The combined company has $4.8 billion in assets. - Stock Titan
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Is Zacks’ Upgrade of Esquire Financial (ESQ) Reframing the Bank’s Legal-Finance Earnings Narrative? - simplywall.st
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Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Announce Final Exchange Ratio for Proposed Merger - PR Newswire
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PROCEPT BioRobotics Corporation Securities Fraud Class Action Result of Undisclosed Inventory Issues and approximately 18% Stock Decline - Investors may Contact Lewis Kahn, Esq, at Kahn Swick & Foti, LLC - TMX Newsfile
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How Esquire Financial Holdings Inc. (ESQ) Affects Rotational Strategy Timing - Stock Traders Daily
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ESQ — Frequently Asked Questions
What is the current share price of Esquire Financial Holdings, Inc. (ESQ)?
As of 2026-09-07 16:24 PDT, Esquire Financial Holdings, Inc. (ESQ) trades at $118.96 on NasdaqCM. Its 52-week range is $92.25 to $132.72.
What is the market capitalisation of ESQ?
Esquire Financial Holdings, Inc. (ESQ) has a market capitalisation of $1.03B on NasdaqCM.
What is the P/E ratio of ESQ?
ESQ trades at a trailing price-to-earnings (P/E) ratio of 19.63. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 3.43.
Does ESQ pay a dividend?
Esquire Financial Holdings, Inc. (ESQ) currently offers a dividend yield of 0.61%.
What is the return on equity (ROE) of ESQ?
ESQ has a return on equity (ROE) of 18.26%.
Is ESQ a good stock to buy?
This page provides a data-driven analysis of Esquire Financial Holdings, Inc. (ESQ), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.