Esquire Financial Holdings (ESQ) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Esquire Financial Holdings

NasdaqCM•Financial Services•Banks - Regional

$120.33+0.47(<0.01%)Pre-market

Market Cap

$1.01B

P/E

19.1x

P/S

5.6x

P/B

3.2x

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.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (12/25).

Profitability25/25

Growth19/25

Balance Sheet & Red Flags12/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsHigh ROE

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 19.1x5y range 7.3x – 19.1x

Currently above its 20-quarter median.

P/S · 5.6x5y range 2.4x – 5.6x

Currently above its 20-quarter median.

P/B · 3.2x5y range 1.3x – 3.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 5.9% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.01B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $179.89M
Q. Revenue: $47.68M
TTM EBITDA: $82.09M
TTM Op. Income: $80.37M
Q. Op. Income: $21.03M
TTM Net Income: $52.71M
Q. Net Income: $12.98M
EPS: $1.57
Shares Out.: $8.27M

$179.89M in TTM revenue grew 20.0% YoY, reaching $47.68M last quarter. TTM EBITDA of $82.09M and TTM operating income of $80.37M show growth is flowing through to the bottom line. TTM net income of $52.71M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 88.4%
EBITDA Margin: 45.1%
Op. Margin: 44.1%
Net Margin: 27.2%

Op. margin of 44.1% is down 2.7% YoY — costs are rising relative to revenue. Net margin at 27.2% and gross margin of 88.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 6% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 19.1x
P/S Ratio: 5.6x
P/B Ratio: 3.2x

At 19.1x P/E, the stock trades within typical market levels. P/S of 5.6x and P/B of 3.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.51B
Cash: $242.18M
Long-Term Debt: N/A
Book Value: $313.85M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $14.52M
TTM Free Cash Flow: $66.38M
FCF Margin: 36.9%
FCF / Net Income: 1.3

TTM FCF of $66.38M on $14.52M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 6 consecutive quarters — an improving trend.