Is Esquire Financial Holdings, Inc. (ESQ) Overvalued?
We dive into why Esquire Financial Holdings, Inc. (ESQ) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
Why Esquire Financial Holdings, Inc.’s (ESQ) Stock Is Up 5.98%
As of Tuesday, July 28, Esquire Financial Holdings, Inc.’s ESQ share price has surged by 5.98%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Esquire Financial Holdings, Inc.’s (ESQ) Stock Is Down 5.41%
As of Thursday, July 23, Esquire Financial Holdings, Inc.’s ESQ share price has dipped by 5.41%, which has investors questioning if this is right time to buy.Rosalio Madrigal
What You Need to Know About Esquire Financial Holdings, Inc.'s Q3 Earnings
Esquire Financial Holdings, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (ESQ) missed or beat analyst's expectations.Tudor Pop
Why Esquire Financial Holdings, Inc.’s (ESQ) Stock Is Up 6.25%
As of Tuesday, April 28, Esquire Financial Holdings, Inc.’s ESQ share price has surged by 6.25%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | ESQ | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,334.2 | $751.0 | 48% |
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| Shares Out (Mil) | 8.7 | 15.4 | 19% |
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| Institutional Ownership | 82.2% | 83.2% | 51% |
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| Float (Mil) | 10.4 | 21.8 | 20% |
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| Beta | 0.38 | 0.43 | 22% |
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| Avg Daily Volume (000s) | 152 | 42 | 40% |
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| Price Change (52-week) |
18.7% | 94.6% | 61% |
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| Growth | ESQ | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 24.5% | 7.7% | 86% |
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| Net Income (5yr) | 32.2% | 11.1% | 86% |
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| EPS (5yr) | 28.9% | 10.1% | 80 |
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| Dividends (5yr) | 0.0% | 3.6% | 74% |
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| Cash Flow (5yr) | 96.8% | (17.1%) | 98% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 2 | |
| Current EPS | $1.810 | $6.900 | $8.600 | |
| Month Ago EPS | $1.625 | $6.775 | $8.525 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.637 | $6.810 | $8.650 | |
| Year/Year Chg | 21.5% | 17.5% | na | |
| Financials | ESQ | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $149 | $196 | 29% |
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| Net Income (TTM) (Mil) | $53 | $55 | 55% |
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| EPS (TTM) | $6.437 | $2.600 | 90% |
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| Operating Cash Flow (TTM) (Mil) | $68 | $36 | 49% |
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| Net Cash Flow (TTM) (Mil) | $79 | $2 | 75% |
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| Long-Term Debt (Q1) (Mil) | $2 | $101 | 19% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | ESQ | Industry Median |
Percentile (All Stocks) |
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| P/B | 3.00 | 1.25 | 64% |
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| P/E | 18.8 | 12.5 | 48% |
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| Dividend Yield | 0.7% | 2.2% | 64% |
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| PEG (5yr hist) | 0.6 | 1.1 | 32% |
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| Ratios | ESQ | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 35.3% | 29.1% | 92% |
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| ROA | 2.3% | 1.1% | 57% |
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| ROE | 18.3% | 11.3% | 77% |
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| Liabilities to Assets | 87.5% | 89.7% | 81% |
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| F-Score | 4 | 4 | 34% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Buffett: Hagstrom Screen
Factors: Value, Quality, Growth
Hagstrom identifies 12 basic principles that a company should possess to be considered for purchase.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
