Esquire Financial Holdings（ESQ）株式概要エスクァイア・フィナンシャル・ホールディングス・インクは、エスクァイア・バンク・ナショナル・アソシエーションの銀行持株会社として運営されており、米国内の法律事務所や中小企業、商業および個人顧客向けに商業銀行商品やサービスを提供している。 詳細ESQ ファンダメンタル分析スノーフレーク・スコア評価3/6将来の成長5/6過去の実績3/6財務の健全性6/6配当金1/6報酬当社が推定した公正価値より51.9%で取引されている 収益は年間50.99%増加すると予測されています 過去5年間の収益は年間23.2%増加しました。 リスク分析リスクチェックの結果、ESQ 、リスクは検出されなかった。すべてのリスクチェックを見るESQ Community Fair Values Create NarrativeSee what 8 others think this stock is worth. Follow their fair value or set your own to get alerts.Analyst Price TargetsAN8.2% undervaluedAnalystConsensusTarget•2mo agoLitigation Finance Focus And Signature Acquisition Will Support Long Run Earnings Power2002Top Analyst NarrativesEsquire Financial HoldingsANAnalystConsensusTargetBased on Analyst Price TargetsLitigation Finance Focus And Signature Acquisition Will Support Long Run Earnings PowerCatalysts About Esquire Financial Holdings Esquire Financial Holdings is a US bank focused on serving contingent fee law firms through a national litigation finance platform and a complementary merchant payment processing business. What are the underlying business or industry changes driving this perspective?View narrativeUS$125FV8.2% 割安 内在価値ディスカウント45.13%Revenue growth p.a.Set Fair ValueView20users have viewed this narrative0users have liked this narrative0users have commented on this narrative2users have followed this narrative2 months ago author updated this narrativeView all narrativesEsquire Financial Holdings, Inc. 競合他社Business First BancsharesSymbol: NasdaqGS:BFSTMarket cap: US$965.6mFive Star BancorpSymbol: NasdaqGS:FSBCMarket cap: US$1.0bCamden NationalSymbol: NasdaqGS:CACMarket cap: US$892.8mMid Penn BancorpSymbol: NasdaqGM:MPBMarket cap: US$850.1m価格と性能株価の高値、安値、推移の概要Esquire Financial Holdings過去の株価現在の株価US$114.8052週高値US$134.8252週安値US$90.53ベータ0.401ヶ月の変化3.61%3ヶ月変化7.53%1年変化26.24%3年間の変化154.49%5年間の変化384.39%IPOからの変化652.79%最新ニュースお知らせ • May 04Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026. Location: at the offices of esquire financial holdings, located at 100 jericho quadrangle, suite 100, new york 11753, jericho, United StatesDeclared Dividend • May 04First quarter dividend of US$0.20 announcedShareholders will receive a dividend of US$0.20. Ex-date: 15th May 2026 Payment date: 1st June 2026 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 22% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 24% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • May 02Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 1, 2026Esquire Financial Holdings, Inc. the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), announced its regular quarterly dividend of $0.20 per share of common stock, payable on June 1, 2026, to each stockholder of record on May 15, 2026.新しいナラティブ • Apr 25Litigation Finance Focus And Signature Acquisition Will Support Long Run Earnings PowerCatalysts About Esquire Financial Holdings Esquire Financial Holdings is a US bank focused on serving contingent fee law firms through a national litigation finance platform and a complementary merchant payment processing business. What are the underlying business or industry changes driving this perspective?Reported Earnings • Apr 24First quarter 2026 earnings: EPS and revenues miss analyst expectationsFirst quarter 2026 results: EPS: US$1.48 (up from US$1.43 in 1Q 2025). Revenue: US$37.8m (up 17% from 1Q 2025). Net income: US$12.2m (up 7.0% from 1Q 2025). Profit margin: 32% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.8%. Earnings per share (EPS) also missed analyst estimates by 7.7%. Revenue is forecast to grow 41% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 08Esquire Financial Holdings, Inc. to Report Q1, 2026 Results on Apr 23, 2026Esquire Financial Holdings, Inc. announced that they will report Q1, 2026 results at 8:30 AM, Eastern Standard Time on Apr 23, 2026最新情報をもっと見るRecent updatesお知らせ • May 04Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026. Location: at the offices of esquire financial holdings, located at 100 jericho quadrangle, suite 100, new york 11753, jericho, United StatesDeclared Dividend • May 04First quarter dividend of US$0.20 announcedShareholders will receive a dividend of US$0.20. Ex-date: 15th May 2026 Payment date: 1st June 2026 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 22% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 24% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • May 02Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 1, 2026Esquire Financial Holdings, Inc. the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), announced its regular quarterly dividend of $0.20 per share of common stock, payable on June 1, 2026, to each stockholder of record on May 15, 2026.新しいナラティブ • Apr 25Litigation Finance Focus And Signature Acquisition Will Support Long Run Earnings PowerCatalysts About Esquire Financial Holdings Esquire Financial Holdings is a US bank focused on serving contingent fee law firms through a national litigation finance platform and a complementary merchant payment processing business. What are the underlying business or industry changes driving this perspective?Reported Earnings • Apr 24First quarter 2026 earnings: EPS and revenues miss analyst expectationsFirst quarter 2026 results: EPS: US$1.48 (up from US$1.43 in 1Q 2025). Revenue: US$37.8m (up 17% from 1Q 2025). Net income: US$12.2m (up 7.0% from 1Q 2025). Profit margin: 32% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.8%. Earnings per share (EPS) also missed analyst estimates by 7.7%. Revenue is forecast to grow 41% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 08Esquire Financial Holdings, Inc. to Report Q1, 2026 Results on Apr 23, 2026Esquire Financial Holdings, Inc. announced that they will report Q1, 2026 results at 8:30 AM, Eastern Standard Time on Apr 23, 2026Recent Insider Transactions • Mar 22Independent Director recently sold US$242k worth of stockOn the 19th of March, Richard Powers sold around 2k shares on-market at roughly US$105 per share. This transaction amounted to 3.8% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$7.6m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Mar 21Independent Director notifies of intention to sell stockRichard Powers intends to sell 2k shares in the next 90 days after lodging an Intent To Sell Form on the 19th of March. If the sale is conducted around the recent share price of US$105, it would amount to US$242k. Since March 2025, Richard's direct individual holding has increased from 59.00k shares to 60.54k. Company insiders have collectively sold US$6.8m more than they bought, via options and on-market transactions in the last 12 months.Reported Earnings • Mar 16Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$6.30 (up from US$5.59 in FY 2024). Revenue: US$136.9m (up 14% from FY 2024). Net income: US$50.8m (up 16% from FY 2024). Profit margin: 37% (in line with FY 2024). Net interest margin (NIM): 6.02% (down from 6.06% in FY 2024). Cost-to-income ratio: 48.6% (down from 48.7% in FY 2024). Non-performing loans: 0.49% (down from 0.78% in FY 2024). Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 35% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 44% per year, which means it is tracking significantly ahead of earnings growth.Major Estimate Revision • Mar 15Consensus revenue estimates increase by 27%, EPS downgradedThe consensus outlook for fiscal year 2026 has been updated. 2026 revenue forecast increased from US$141.6m to US$179.4m. EPS estimate fell from US$6.38 to US$3.92. Net income forecast to shrink 25% next year vs 15% growth forecast for Banks industry in the US . Consensus price target of US$123 unchanged from last update. Share price rose 11% to US$110 over the past week.お知らせ • Mar 13Esquire Financial Holdings, Inc. Announces Executive Changes Following Acquisition of Signature Bancorporation, IncEsquire Financial Holdings, Inc. and Signature Bancorporation, Inc. jointly announced that they had entered into a definitive merger agreement, pursuant to which Esquire will acquire Signature in an all-stock transaction. Each of the combined company's and bank's board of directors will consist of eleven directors, including nine directors from Esquire and two directors from Signature. Leonard S. Caronia, current Signature Chairman of the Board, will join Esquire's board of directors. Michael G. O'Rourke, current Signature Chief Executive Officer & President, will join Esquire's board of directors. Signature's top three executives have entered into new employment agreements and will oversee commercial business development opportunities and operations in the Chicago market. Michael G. O'Rourke, current Signature Chief Executive Officer & President and post-merger President of Signature, a division of Esquire Bank. Bryan D. Duncan, current Signature Executive Vice President and post-merger Executive Vice President of Signature, a division of Esquire Bank. Kevin Bastuga, current Signature Executive Vice President and post-merger Executive Vice President of Signature, a division of Esquire Bank.お知らせ • Mar 12Esquire Financial Holdings, Inc. (NasdaqCM:ESQ) signed a definitive agreement to acquire Signature Bancorporation, Inc. for approximately $340 million.Esquire Financial Holdings, Inc. (NasdaqCM:ESQ) signed a definitive agreement to acquire Signature Bancorporation, Inc. for approximately $340 million on March 11, 2026. Under the terms of the merger agreement, shareholders of Signature will receive a fixed exchange ratio of 2.63 shares of Esquire common stock for each share of Signature common stock. The per share value equates to $260.48 for Signature shareholders based on the closing price of Esquire common stock on March 11, 2026, or approximately $348.4 million in aggregate transaction value. In case of termination of transaction, seller will pay a termination fee of $15 million. Signature will be branded as Signature, a division of Esquire Bank. Each of the combined company’s and bank’s board of directors will consist of eleven directors, including nine directors from Esquire and two directors from Signature. Leonard S. Caronia will join Esquire’s board of directors, Michael G. O’Rourke will join Esquire’s board of directors. As of period ending December 31, 2025, Signature Bancorporation, Inc. reported a total assets of $2 billion. The transaction is subject to approval by regulatory board / committee, approval of merger agreement by target board, approval of offer by acquirer shareholders, approval of offer by acquirer board, approval of offer by target shareholders, NASDAQ Listing. The Merger Agreement was unanimously approved by the board of directors of each of Esquire and Signature. The expected completion of the transaction is in the third quarter of 2026. Signature’s high-performing commercial bank with strong low-cost core commercial deposits diversifies Esquire’s balance sheet while contributing significant earnings with strong performance metrics, generating a mid to high-teens IRR for the deployment of Esquire’s excess capital in the merger. The transaction is approximately 11% accretive to Esquire’s Tangible Book Value. The transaction only assumes 5% cost savings as the value created in this merger is primarily driven by industry leading growth and performance metrics. Esquire remains well capitalized with no associated capital raise. Piper Sandler & Co. acted as financial advisor for Esquire Financial Holdings, Inc. John J. Gorman and Marc Levy of Luse Gorman, P.C acted as legal advisor for Esquire Financial Holdings, Inc. Raymond James & Associates, Inc. acted as financial advisor for Signature Bancorporation, Inc. James W. Morrissey of Vedder Price P.C. acted as legal advisor for Signature Bancorporation, Inc.分析記事 • Feb 11Esquire Financial Holdings (NASDAQ:ESQ) Has Announced That It Will Be Increasing Its Dividend To $0.20Esquire Financial Holdings, Inc. ( NASDAQ:ESQ ) will increase its dividend from last year's comparable payment on the...Declared Dividend • Feb 05Fourth quarter dividend increased to US$0.20Dividend of US$0.20 is 14% higher than last year. Ex-date: 13th February 2026 Payment date: 2nd March 2026 Dividend yield will be 0.6%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 11%. Forecast payout ratio in 3 years: 11%.お知らせ • Feb 03Esquire Financial Holdings, Inc. Increases Quarterly Dividend, Payable on March 2, 2026Esquire Financial Holdings, Inc. announced an increase to its regular quarterly dividend by 14% to $0.20 per share of common stock, payable on March 2, 2026, to each stockholder of record on February 13, 2026.お知らせ • Jan 31Esquire Financial Holdings, Inc. Announces Resignation of Joseph Melohn as Director and from Committee Positions, Effective January 28, 2026Esquire Financial Holdings, Inc. announced that on January 28, 2026, Mr. Joseph Melohn resigned from his director and committee positions at Esquire Financial Holdings, Inc. and from all its affiliates in order to focus on his other professional and personal commitments, which resignation was effective on that date. Effective upon Mr. Melohn's resignation as a director, the size of the Company's Board of Directors was reduced from ten to nine directors.Reported Earnings • Jan 22Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$6.31 (up from US$5.59 in FY 2024). Revenue: US$136.9m (up 14% from FY 2024). Net income: US$50.8m (up 16% from FY 2024). Profit margin: 37% (in line with FY 2024). Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 4.6% p.a. on average during the next 2 years, compared to a 9.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 36% per year, which means it is tracking significantly ahead of earnings growth.Recent Insider Transactions Derivative • Jan 07Vice Chairman exercised options to buy US$2.8m worth of stock.On the 5th of January, Andrew Sagliocca exercised 29.25k options at around US$12.50, then sold 3.52k of them at US$104 each and kept the remainder. Since March 2025, Andrew's direct individual holding has decreased from 281.42k shares to 264.92k. Company insiders have collectively sold US$8.5m more than they bought, via options and on-market transactions in the last 12 months.Declared Dividend • Nov 03Third quarter dividend of US$0.17 announcedShareholders will receive a dividend of US$0.17. Ex-date: 14th November 2025 Payment date: 1st December 2025 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 11%. Forecast payout ratio in 3 years: 11%.お知らせ • Oct 31Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on December 1, 2025Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.175 per share of common stock, payable on December 1, 2025, to each stockholder of record on November 14, 2025.Reported Earnings • Oct 24Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$1.74 (up from US$1.45 in 3Q 2024). Revenue: US$35.8m (up 16% from 3Q 2024). Net income: US$14.1m (up 24% from 3Q 2024). Profit margin: 39% (up from 37% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.9%. Earnings per share (EPS) also surpassed analyst estimates by 10%. Revenue is forecast to grow 1.6% p.a. on average during the next 2 years, compared to a 8.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has increased by 33% per year, which means it is tracking significantly ahead of earnings growth.Recent Insider Transactions • Aug 28Independent Director recently sold US$1.7m worth of stockOn the 22nd of August, Selig Zises sold around 17k shares on-market at roughly US$99.71 per share. This transaction amounted to 10.0% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$10m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Aug 15Independent Chairman of the Board exercised options to buy US$1.9m worth of stock.On the 12th of August, Anthony Coelho exercised 22.23k options at around US$12.50, then sold 2.84k of them at US$97.88 each and kept the remainder. Since December 2024, Anthony has owned 76.95k shares directly. Company insiders have collectively sold US$5.6m more than they bought, via options and on-market transactions in the last 12 months.Upcoming Dividend • Aug 11Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 15 August 2025. Payment date: 02 September 2025. Payout ratio is a comfortable 11% and this is well supported by cash flows. Trailing yield: 0.7%. Lower than top quartile of American dividend payers (4.6%). Lower than average of industry peers (2.6%).Recent Insider Transactions • Aug 03Independent Director recently sold US$477k worth of stockOn the 31st of July, Selig Zises sold around 5k shares on-market at roughly US$95.38 per share. This transaction amounted to 2.9% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$6.4m more than they bought in the last 12 months.Price Target Changed • Jul 30Price target increased by 9.5% to US$110Up from US$101, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$96.14. Stock is up 56% over the past year. The company is forecast to post earnings per share of US$5.64 for next year compared to US$5.58 last year.Recent Insider Transactions Derivative • Jul 29Independent Director exercised options to buy US$1.9m worth of stock.On the 25th of July, Robert Mitzman exercised options to buy 20k shares at a strike price of around US$12.50, costing a total of US$250k. This transaction amounted to 16% of their direct individual holding at the time of the trade. Since December 2024, Robert's direct individual holding has increased from 104.70k shares to 126.93k. Company insiders have collectively sold US$5.2m more than they bought, via options and on-market transactions in the last 12 months.Declared Dividend • Jul 28Second quarter dividend of US$0.17 announcedShareholders will receive a dividend of US$0.17. Ex-date: 15th August 2025 Payment date: 2nd September 2025 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%.Reported Earnings • Jul 25Second quarter 2025 earnings: EPS in line with analyst expectations despite revenue beatSecond quarter 2025 results: EPS: US$1.48 (up from US$1.35 in 2Q 2024). Revenue: US$32.3m (up 9.2% from 2Q 2024). Net income: US$11.9m (up 13% from 2Q 2024). Profit margin: 37% (up from 35% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 1.2% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Jul 25Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on September 2, 2025Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.175 per share of common stock, payable on September 2, 2025, to each stockholder of record on August 15, 2025.お知らせ • Jun 30+ 6 more updatesEsquire Financial Holdings, Inc.(NasdaqCM:ESQ) dropped from Russell 3000E Value IndexEsquire Financial Holdings, Inc.(NasdaqCM:ESQ) dropped from Russell 3000E Value IndexSeeking Alpha • Jun 23Esquire Financial Holdings: Contraction In Earnings GrowthSummary Esquire Financial Holdings delivered strong historical growth, but 2024 shows slowing net income and declining payment processing fees. Loan portfolio and deposit growth remain robust, with industry-leading net interest margins and strong asset quality, despite macroeconomic headwinds. Noninterest income weakness and high cash balances at low yields signal emerging risks and operational adjustments to monitor closely. Given slower growth and elevated valuation after significant stock appreciation, I am downgrading my rating from Strong Buy to Buy. Read the full article on Seeking Alpha分析記事 • May 01Esquire Financial Holdings, Inc. (NASDAQ:ESQ) Analysts Just Slashed This Year's Revenue Estimates By 11%Today is shaping up negative for Esquire Financial Holdings, Inc. ( NASDAQ:ESQ ) shareholders, with the analysts...お知らせ • May 01Esquire Financial Holdings, Inc., Annual General Meeting, May 29, 2025Esquire Financial Holdings, Inc., Annual General Meeting, May 29, 2025. Location: 100 jericho quadrangle, suite 100, new york 11753, jericho United StatesRecent Insider Transactions • Apr 30Founder recently sold US$1.7m worth of stockOn the 28th of April, Ari Kornhaber sold around 20k shares on-market at roughly US$83.51 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Ari's only on-market trade for the last 12 months.Price Target Changed • Apr 29Price target increased by 7.1% to US$95.00Up from US$88.67, the current price target is an average from 2 analysts. New target price is 13% above last closing price of US$84.37. Stock is up 79% over the past year. The company is forecast to post earnings per share of US$5.56 for next year compared to US$5.58 last year.Declared Dividend • Apr 28First quarter dividend of US$0.17 announcedShareholders will receive a dividend of US$0.17. Ex-date: 15th May 2025 Payment date: 2nd June 2025 Dividend yield will be 0.8%, which is lower than the industry average of 3.2%.Reported Earnings • Apr 25First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$1.43 (up from US$1.29 in 1Q 2024). Revenue: US$32.3m (up 14% from 1Q 2024). Net income: US$11.4m (up 13% from 1Q 2024). Profit margin: 35% (in line with 1Q 2024). Revenue missed analyst estimates by 10%. Earnings per share (EPS) exceeded analyst estimates by 1.3%. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 6.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has increased by 33% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 25Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 2, 2025Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.175 per share of common stock, payable on June 2, 2025, to each stockholder of record on May 15, 2025.Recent Insider Transactions Derivative • Apr 24Independent Director exercised options to buy US$1.9m worth of stock.On the 21st of April, Robert Mitzman exercised options to buy 22k shares at a strike price of around US$12.50, costing a total of US$278k. This transaction amounted to 21% of their direct individual holding at the time of the trade. Since December 2024, Robert has owned 104.70k shares directly. Company insiders have collectively sold US$3.2m more than they bought, via options and on-market transactions in the last 12 months.Reported Earnings • Mar 18Full year 2024 earnings: Revenues and EPS in line with analyst expectationsFull year 2024 results: EPS: US$5.59 (up from US$5.32 in FY 2023). Revenue: US$120.1m (up 10% from FY 2023). Net income: US$43.7m (up 6.5% from FY 2023). Profit margin: 36% (down from 38% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 6.06% (down from 6.09% in FY 2023). Cost-to-income ratio: 48.7% (up from 48.5% in FY 2023). Non-performing loans: 0.78% (down from 0.91% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 26% per year whereas the company’s share price has increased by 30% per year.Recent Insider Transactions • Mar 06Independent Director recently sold US$1.6m worth of stockOn the 28th of February, Selig Zises sold around 20k shares on-market at roughly US$77.59 per share. This transaction amounted to 9.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$3.7m more than they bought in the last 12 months.Recent Insider Transactions • Feb 09Independent Director recently sold US$124k worth of stockOn the 6th of February, Richard Powers sold around 1k shares on-market at roughly US$86.99 per share. This transaction amounted to 2.4% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$614k. Insiders have been net sellers, collectively disposing of US$3.2m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Feb 07Independent Director notifies of intention to sell stockRichard Powers intends to sell 1k shares in the next 90 days after lodging an Intent To Sell Form on the 6th of February. If the sale is conducted around the recent share price of US$86.30, it would amount to US$123k. Since March 2024, Richard's direct individual holding has increased from 58.88k shares to 60.42k. Company insiders have collectively sold US$2.9m more than they bought, via options and on-market transactions in the last 12 months.Declared Dividend • Feb 03Fourth quarter dividend increased to US$0.17Dividend of US$0.17 is 17% higher than last year. Ex-date: 14th February 2025 Payment date: 3rd March 2025 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 11%. Forecast payout ratio in 3 years: 11%.お知らせ • Jan 31Esquire Financial Holdings, Inc. Increases Quarterly Dividend, Payable on March 3, 2025Esquire Financial Holdings, Inc. announced an increase to its regular quarterly dividend by 17% to $0.175 per share of common stock, payable on March 3, 2025, to each stockholder of record on February 14, 2025.Major Estimate Revision • Jan 30Consensus revenue estimates increase by 16%The consensus outlook for fiscal year 2025 has been updated. 2025 revenue forecast increased from US$111.3m to US$128.8m. EPS estimate unchanged at US$5.52. Net income forecast to grow 9.6% next year vs 10% growth forecast for Banks industry in the US. Consensus price target up from US$85.00 to US$88.67. Share price was steady at US$87.42 over the past week.Reported Earnings • Jan 23Full year 2024 earnings: Revenues and EPS in line with analyst expectationsFull year 2024 results: EPS: US$5.59 (up from US$5.32 in FY 2023). Revenue: US$120.1m (up 10% from FY 2023). Net income: US$43.7m (up 6.5% from FY 2023). Profit margin: 36% (down from 38% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 1.3% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has increased by 36% per year, which means it is tracking significantly ahead of earnings growth.Recent Insider Transactions Derivative • Jan 17Vice Chairman exercised options to buy US$2.1m worth of stock.On the 15th of January, Andrew Sagliocca exercised 29.00k options at around US$12.50, then sold 4.35k of them at US$83.24 each and kept the remainder. Since March 2024, Andrew's direct individual holding has increased from 234.45k shares to 248.08k. Company insiders have collectively sold US$2.9m more than they bought, via options and on-market transactions in the last 12 months.Price Target Changed • Jan 10Price target increased by 11% to US$85.00Up from US$76.67, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of US$81.00. Stock is up 73% over the past year. The company is forecast to post earnings per share of US$5.16 for next year compared to US$5.31 last year.Recent Insider Transactions • Dec 20Independent Director recently sold US$156k worth of stockOn the 17th of December, Selig Zises sold around 2k shares on-market at roughly US$78.14 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$614k. Insiders have been net sellers, collectively disposing of US$2.9m more than they bought in the last 12 months.Price Target Changed • Dec 16Price target increased by 8.1% to US$80.00Up from US$74.00, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of US$78.76. Stock is up 64% over the past year. The company is forecast to post earnings per share of US$5.16 for next year compared to US$5.31 last year.Price Target Changed • Dec 04Price target increased by 8.6% to US$77.50Up from US$71.33, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$78.90. Stock is up 69% over the past year. The company is forecast to post earnings per share of US$5.16 for next year compared to US$5.31 last year.Recent Insider Transactions • Dec 01Independent Director recently sold US$614k worth of stockOn the 26th of November, Selig Zises sold around 8k shares on-market at roughly US$76.77 per share. This transaction amounted to 3.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$2.6m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Nov 11Vice Chairman exercised options to buy US$1.7m worth of stock.On the 6th of November, Andrew Sagliocca exercised 26.68k options at around US$12.50, then sold 4.51k of them at US$73.86 each and kept the remainder. Since December 2023, Andrew's direct individual holding has increased from 236.36k shares to 264.50k. Company insiders have collectively sold US$1.8m more than they bought, via options and on-market transactions in the last 12 months.Declared Dividend • Nov 03Third quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 15th November 2024 Payment date: 2nd December 2024 Dividend yield will be 0.9%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (11% payout ratio) and is expected to be well covered in 3 years' time (11% forecast payout ratio). The dividend has increased by an average of 19% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 12% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Oct 31Esquire Financial Holdings, Inc. Announces Regular Quarterly Dividend, Payable on December 2, 2024Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.15 per share of common stock, payable on December 2, 2024, to each stockholder of record on November 15, 2024.Reported Earnings • Oct 25Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2024 results: EPS: US$1.45 (up from US$1.28 in 3Q 2023). Revenue: US$30.9m (up 14% from 3Q 2023). Net income: US$11.4m (up 16% from 3Q 2023). Profit margin: 37% (in line with 3Q 2023). Revenue missed analyst estimates by 5.1%. Earnings per share (EPS) exceeded analyst estimates by 2.3%. Revenue is forecast to grow 8.5% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 31% per year whereas the company’s share price has increased by 27% per year.Recent Insider Transactions Derivative • Sep 25Independent Director exercised options to buy US$582k worth of stock.On the 20th of September, Kevin Waterhouse exercised options to buy 9k shares at a strike price of around US$20.49, costing a total of US$188k. This transaction amounted to 6.6% of their direct individual holding at the time of the trade. Since December 2023, Kevin has owned 139.41k shares directly. Company insiders have collectively sold US$2.1m more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions Derivative • Aug 01Insider exercised options and sold US$99k worth of stockOn the 26th of July, Ari Kornhaber exercised 10.00k options at around US$12.50, then sold 2k of the shares acquired at an average of US$59.30 per share and kept the remainder. Since December 2023, Ari's direct individual holding has decreased from 95.42k shares to 94.69k. Company insiders have collectively sold US$2.8m more than they bought, via options and on-market transactions in the last 12 months.Price Target Changed • Jul 29Price target increased by 8.7% to US$66.33Up from US$61.00, the current price target is an average from 3 analysts. New target price is 12% above last closing price of US$59.30. Stock is up 19% over the past year. The company is forecast to post earnings per share of US$5.13 for next year compared to US$5.31 last year.Declared Dividend • Jul 29Second quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 15th August 2024 Payment date: 3rd September 2024 Dividend yield will be 1.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 29% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 4.7% over the next year, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jul 26Second quarter 2024 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2024 results: EPS: US$1.34 (up from US$1.18 in 2Q 2023). Revenue: US$29.6m (up 16% from 2Q 2023). Net income: US$10.5m (up 15% from 2Q 2023). Profit margin: 35% (in line with 2Q 2023). Revenue exceeded analyst estimates by 3.5%. Earnings per share (EPS) also surpassed analyst estimates by 4.7%. Revenue is forecast to stay flat during the next 2 years compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 34% per year whereas the company’s share price has increased by 35% per year.お知らせ • Jul 26Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on September 3, 2024Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.15 per share of common stock, payable on September 3, 2024, to each stockholder of record on August 15, 2024.Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$54.52, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Banks industry in the US. Total returns to shareholders of 143% over the past three years.Recent Insider Transactions • Jun 19Independent Director recently sold US$115k worth of stockOn the 17th of June, Selig Zises sold around 3k shares on-market at roughly US$45.89 per share. This transaction amounted to 1.1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$715k. Insiders have been net sellers, collectively disposing of US$2.8m more than they bought in the last 12 months.Recent Insider Transactions • May 26Independent Director recently sold US$715k worth of stockOn the 23rd of May, Selig Zises sold around 15k shares on-market at roughly US$47.64 per share. This transaction amounted to 6.2% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$1.1m. Insiders have been net sellers, collectively disposing of US$2.7m more than they bought in the last 12 months.Declared Dividend • Apr 29First quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 14th May 2024 Payment date: 3rd June 2024 Dividend yield will be 1.2%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 29% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 4.6% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 27Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 3, 2024Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.15 per share of common stock, payable on June 3, 2024, to each stockholder of record on May 15, 2024.Reported Earnings • Apr 25First quarter 2024 earnings released: EPS: US$1.29 (vs US$1.58 in 1Q 2023)First quarter 2024 results: EPS: US$1.29 (down from US$1.58 in 1Q 2023). Revenue: US$28.3m (down 2.8% from 1Q 2023). Net income: US$10.1m (down 17% from 1Q 2023). Profit margin: 36% (down from 42% in 1Q 2023). The decrease in margin was primarily driven by higher expenses. Revenue is forecast to grow 3.4% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has only increased by 27% per year, which means it is significantly lagging earnings growth.お知らせ • Apr 20Esquire Financial Holdings, Inc., Annual General Meeting, May 30, 2024Esquire Financial Holdings, Inc., Annual General Meeting, May 30, 2024, at 10:00 Eastern Daylight. Location: located at 100 Jericho Quadrangle, Suite 100 Jericho Quadrangle, Suite 100, Jericho, New York Jerciho New York United States Agenda: To consider the election of three directors to serve for a term of three years and the election of one director to serve for a term of one year; to the approval of the Esquire Financial Holdings, Inc. 2024 Equity Incentive Plan; to the ratification of the appointment of Crowe LLP as our independent registered public accounting firm for the year ending December 31, 2024; and to discuss other matters.Reported Earnings • Mar 31Full year 2023 earnings: Revenues and EPS in line with analyst expectationsFull year 2023 results: EPS: US$5.32 (up from US$3.73 in FY 2022). Revenue: US$109.0m (up 35% from FY 2022). Net income: US$41.0m (up 44% from FY 2022). Profit margin: 38% (up from 35% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 6.09% (up from 4.99% in FY 2022). Cost-to-income ratio: 46.8% (down from 49.8% in FY 2022). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 2.1% p.a. on average during the next 2 years, compared to a 5.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has only increased by 27% per year, which means it is significantly lagging earnings growth.New Risk • Mar 11New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$1.1m This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company.Recent Insider Transactions • Mar 11Independent Director recently sold US$1.1m worth of stockOn the 5th of March, Selig Zises sold around 22k shares on-market at roughly US$49.83 per share. This transaction amounted to 8.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$2.7m more than they bought in the last 12 months.Upcoming Dividend • Feb 07Upcoming dividend of US$0.15 per share at 1.2% yieldEligible shareholders must have bought the stock before 14 February 2024. Payment date: 01 March 2024. Trailing yield: 1.2%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.3%).分析記事 • Feb 04Esquire Financial Holdings (NASDAQ:ESQ) Is Increasing Its Dividend To $0.15Esquire Financial Holdings, Inc.'s ( NASDAQ:ESQ ) dividend will be increasing from last year's payment of the same...Declared Dividend • Feb 04Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 14th February 2024 Payment date: 1st March 2024 Dividend yield will be 1.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (9% payout ratio) and is expected to be well covered in 3 years' time (11% forecast payout ratio). The dividend has increased by an average of 18% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 3.7% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Feb 01Esquire Financial Holdings, Inc. Increases Quarterly Dividend for Common Stockholders, Payable on March 1, 2024Esquire Financial Holdings, Inc. announced an increase to its regular quarterly dividend by 20% to $0.15 per share of common stock, payable on March 1, 2024, to each stockholder of record on February 15, 2024.Price Target Changed • Jan 29Price target increased by 7.4% to US$63.00Up from US$58.67, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$54.21. Stock is up 21% over the past year. The company is forecast to post earnings per share of US$4.91 for next year compared to US$5.31 last year.Reported Earnings • Jan 26Full year 2023 earnings: Revenues and EPS in line with analyst expectationsFull year 2023 results: EPS: US$5.32 (up from US$3.73 in FY 2022). Revenue: US$109.0m (up 35% from FY 2022). Net income: US$41.0m (up 44% from FY 2022). Profit margin: 38% (up from 35% in FY 2022). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to stay flat during the next 2 years compared to a 5.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has only increased by 31% per year, which means it is significantly lagging earnings growth.Price Target Changed • Jan 17Price target increased by 7.6% to US$58.67Up from US$54.50, the current price target is an average from 3 analysts. New target price is 23% above last closing price of US$47.62. Stock is up 17% over the past year. The company is forecast to post earnings per share of US$4.91 for next year compared to US$3.73 last year.お知らせ • Jan 05Esquire Financial Holdings, Inc. and Esquire Bank, National Association Appoint Rena Nigam as Board MemberEsquire Financial Holdings, Inc. "), the financial holding company for Esquire Bank, National Association (the Bank) announced that Rena Nigam was appointed to the Boards of Directors of both the Company and the Bank, effective January 3, 2024. Ms. Nigam has 25 years of experience in high growth global ventures as an executive, entrepreneur, and investor across publicly traded and private companies. She started her career with an international bank's payment division and then shifted to a financial services focused technology company. In 2011, she co-founded a company focused on digital payments and lending products in the technology space. In 2018, she was president of a digital transformation company. Ms. Nigam is currently Founder and Chief Executive Officer of Meytier – a company that utilizes AI to enable and assist in the talent assessment and hiring process of potential employment candidates for over 60 companies across multiple sectors.Recent Insider Transactions • Nov 15Independent Director recently sold US$325k worth of stockOn the 9th of November, Selig Zises sold around 7k shares on-market at roughly US$46.48 per share. This transaction amounted to 2.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.9m more than they bought in the last 12 months.Upcoming Dividend • Nov 07Upcoming dividend of US$0.13 per share at 1.1% yieldEligible shareholders must have bought the stock before 14 November 2023. Payment date: 01 December 2023. Payout ratio is a comfortable 8.6% and this is well supported by cash flows. Trailing yield: 1.1%. Lower than top quartile of American dividend payers (5.1%). Lower than average of industry peers (3.8%).お知らせ • Oct 27Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on December 1, 2023Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.125 per share of common stock, payable on December 1, 2023, to each stockholder of record on November 15, 2023.Reported Earnings • Oct 23Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2023 results: EPS: US$1.28 (up from US$1.01 in 3Q 2022). Revenue: US$27.1m (up 27% from 3Q 2022). Net income: US$9.84m (up 28% from 3Q 2022). Profit margin: 36% (in line with 3Q 2022). Revenue missed analyst estimates by 9.5%. Earnings per share (EPS) exceeded analyst estimates by 4.0%. Revenue is forecast to grow 9.6% p.a. on average during the next 3 years, compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 41% per year whereas the company’s share price has increased by 38% per year.Recent Insider Transactions • Sep 15Independent Director recently sold US$237k worth of stockOn the 12th of September, Selig Zises sold around 5k shares on-market at roughly US$47.42 per share. This transaction amounted to 1.8% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$239k. Insiders have been net sellers, collectively disposing of US$1.7m more than they bought in the last 12 months.お知らせ • Sep 07Esquire Financial Holdings, Inc. Announces Appointment of Gary Lax as Its Senior Vice President, Chief Legal Officer, and Corporate SecretaryEsquire Financial Holdings, Inc. announced the hiring of Gary Lax as its Senior Vice President, Chief Legal Officer, and Corporate Secretary. Mr. Lax has more than 35 years of financial services experience and was most recently a partner at Luse Gorman, PC, specializing in regulatory enforcement, transaction law, and capital planning as well as numerous other legal, regulatory, and business matters. Mr. Lax also served on the faculty of the Federal Financial Institutions Examination Council for more than 10 years and started his legal career as an attorney with the Office of the Comptroller of the Currency in Washington, D.C.Recent Insider Transactions • Aug 24Independent Director recently sold US$239k worth of stockOn the 21st of August, Selig Zises sold around 5k shares on-market at roughly US$47.76 per share. This transaction amounted to 1.8% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.9m more than they bought in the last 12 months.Upcoming Dividend • Aug 07Upcoming dividend of US$0.13 per share at 1.0% yieldEligible shareholders must have bought the stock before 14 August 2023. Payment date: 01 September 2023. Payout ratio is a comfortable 8.4% and this is well supported by cash flows. Trailing yield: 1.0%. Lower than top quartile of American dividend payers (4.7%). Lower than average of industry peers (3.4%).お知らせ • Jul 28Esquire Financial Holdings, Inc. Declares Quarterly Cash Dividend, Payable on September 1, 2023Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.125 per share of common stock, payable on September 1, 2023, to each stockholder of record on August 15, 2023.Reported Earnings • Jul 25Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: US$1.18 (up from US$0.83 in 2Q 2022). Revenue: US$25.5m (up 34% from 2Q 2022). Net income: US$9.11m (up 44% from 2Q 2022). Profit margin: 36% (up from 33% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 4.7%. Earnings per share (EPS) also surpassed analyst estimates by 4.8%. Revenue is expected to decline by 7.9% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has increased by 48% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Jul 21Esquire Financial Holdings, Inc. Announces Executive AppointmentsEsquire Financial Holdings, Inc. announced that it has enhanced its litigation vertical in key regions nationwide through the hiring of six Managing Directors and senior business development officers with the direct assistance of Korn Ferry, a premier global executive search firm. These BDOs have decades of experience servicing the litigation market and deep industry connections to support Esquire's continued expansion. The following senior BDOs will directly support each of Esquire's newly defined regions: · Kevin Donahue – Southern Regio, · Raul Guisado – West Coast Regi, · Jennifer Janof – Mid-Atlantic Regio. · Gina Mallicoat – Southwest Region, · Eric Thompson – North Region, · Joshua Vause – Southeast Region.Recent Insider Transactions • May 25Independent Director recently sold US$846k worth of stockOn the 22nd of May, Selig Zises sold around 20k shares on-market at roughly US$42.30 per share. This transaction amounted to 6.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.8m more than they bought in the last 12 months.株主還元ESQUS BanksUS 市場7D2.2%1.0%-2.3%1Y26.2%24.1%21.2%株主還元を見る業界別リターン: ESQ過去 1 年間で24.1 % の収益を上げたUS Banks業界を上回りました。リターン対市場: ESQ過去 1 年間で21.2 % の収益を上げたUS市場を上回りました。価格変動Is ESQ's price volatile compared to industry and market?ESQ volatilityESQ Average Weekly Movement4.4%Banks Industry Average Movement3.3%Market Average Movement7.2%10% most volatile stocks in US Market16.7%10% least volatile stocks in US Market3.1%安定した株価: ESQ 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: ESQの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト2006151Andrew Saglioccawww.esquirebank.comエスクァイア・フィナンシャル・ホールディングスは、エスクァイア・バンク・ナショナル・アソシ エーションの銀行持株会社として運営されている。当座預金、貯蓄預金、マネーマーケット預金、定期預金、譲渡性預金を提供している。また、在庫、売掛債権、消耗品購入、その他通常業務中に発生する営業上のニーズに対する短期融資などの商業ローンや、適格ISO顧客に対する融資、商業信用枠、原告や請求人に対する和解後の消費者ローンや仕組和解ローンから成る消費者ローン、債務整理、医療費、生活費、未払い料金の支払い、その他消費者のニーズに対する個人向けローンも提供している；また、集合住宅、1～4世帯住宅、商業用不動産、建設用ローンなどの不動産ローンや、ポートフォリオ取得ローン、エージェント残債取得ローン、運転資金融資枠、マーチャント・ターム・ローンなどのマーチャント・サービスも提供している。さらに、キャッシュ・マネジメント、キャッシュ・スイープ、オンライン・バンキング、モバイル・バンキング、個人退職金口座も提供している。さらに、支払処理、ACH、事務サービス、法律事務所向けバンキング・ソリューションも提供している。エスクァイア・フィナンシャル・ホールディングスは2006年に設立され、ニューヨーク州ジェリコに本社を置いている。もっと見るEsquire Financial Holdings, Inc. 基礎のまとめEsquire Financial Holdings の収益と売上を時価総額と比較するとどうか。ESQ 基礎統計学時価総額US$946.06m収益（TTM）US$51.63m売上高(TTM)US$142.39m18.2xPER（株価収益率3.1xPBR（株価純資産倍率ESQ は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計ESQ 損益計算書（TTM）収益US$142.39m売上原価US$0売上総利益US$142.39mその他の費用US$90.76m収益US$51.63m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）6.30グロス・マージン100.00%純利益率36.26%有利子負債／自己資本比率0%ESQ の長期的なパフォーマンスは？過去の実績と比較を見る配当金0.7%現在の配当利回り11%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/24 23:00終値2026/06/24 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Esquire Financial Holdings, Inc. 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。5 アナリスト機関Timothy SwitzerKeefe, Bruyette, & WoodsMark FitzgibbonPiper Sandler CompaniesJustin CrowleyPiper Sandler Companies2 その他のアナリストを表示
お知らせ • May 04Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026. Location: at the offices of esquire financial holdings, located at 100 jericho quadrangle, suite 100, new york 11753, jericho, United States
Declared Dividend • May 04First quarter dividend of US$0.20 announcedShareholders will receive a dividend of US$0.20. Ex-date: 15th May 2026 Payment date: 1st June 2026 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 22% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 24% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 02Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 1, 2026Esquire Financial Holdings, Inc. the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), announced its regular quarterly dividend of $0.20 per share of common stock, payable on June 1, 2026, to each stockholder of record on May 15, 2026.
新しいナラティブ • Apr 25Litigation Finance Focus And Signature Acquisition Will Support Long Run Earnings PowerCatalysts About Esquire Financial Holdings Esquire Financial Holdings is a US bank focused on serving contingent fee law firms through a national litigation finance platform and a complementary merchant payment processing business. What are the underlying business or industry changes driving this perspective?
Reported Earnings • Apr 24First quarter 2026 earnings: EPS and revenues miss analyst expectationsFirst quarter 2026 results: EPS: US$1.48 (up from US$1.43 in 1Q 2025). Revenue: US$37.8m (up 17% from 1Q 2025). Net income: US$12.2m (up 7.0% from 1Q 2025). Profit margin: 32% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.8%. Earnings per share (EPS) also missed analyst estimates by 7.7%. Revenue is forecast to grow 41% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 08Esquire Financial Holdings, Inc. to Report Q1, 2026 Results on Apr 23, 2026Esquire Financial Holdings, Inc. announced that they will report Q1, 2026 results at 8:30 AM, Eastern Standard Time on Apr 23, 2026
お知らせ • May 04Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026Esquire Financial Holdings, Inc., Annual General Meeting, May 28, 2026. Location: at the offices of esquire financial holdings, located at 100 jericho quadrangle, suite 100, new york 11753, jericho, United States
Declared Dividend • May 04First quarter dividend of US$0.20 announcedShareholders will receive a dividend of US$0.20. Ex-date: 15th May 2026 Payment date: 1st June 2026 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 22% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 24% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 02Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 1, 2026Esquire Financial Holdings, Inc. the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), announced its regular quarterly dividend of $0.20 per share of common stock, payable on June 1, 2026, to each stockholder of record on May 15, 2026.
新しいナラティブ • Apr 25Litigation Finance Focus And Signature Acquisition Will Support Long Run Earnings PowerCatalysts About Esquire Financial Holdings Esquire Financial Holdings is a US bank focused on serving contingent fee law firms through a national litigation finance platform and a complementary merchant payment processing business. What are the underlying business or industry changes driving this perspective?
Reported Earnings • Apr 24First quarter 2026 earnings: EPS and revenues miss analyst expectationsFirst quarter 2026 results: EPS: US$1.48 (up from US$1.43 in 1Q 2025). Revenue: US$37.8m (up 17% from 1Q 2025). Net income: US$12.2m (up 7.0% from 1Q 2025). Profit margin: 32% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.8%. Earnings per share (EPS) also missed analyst estimates by 7.7%. Revenue is forecast to grow 41% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 08Esquire Financial Holdings, Inc. to Report Q1, 2026 Results on Apr 23, 2026Esquire Financial Holdings, Inc. announced that they will report Q1, 2026 results at 8:30 AM, Eastern Standard Time on Apr 23, 2026
Recent Insider Transactions • Mar 22Independent Director recently sold US$242k worth of stockOn the 19th of March, Richard Powers sold around 2k shares on-market at roughly US$105 per share. This transaction amounted to 3.8% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$7.6m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Mar 21Independent Director notifies of intention to sell stockRichard Powers intends to sell 2k shares in the next 90 days after lodging an Intent To Sell Form on the 19th of March. If the sale is conducted around the recent share price of US$105, it would amount to US$242k. Since March 2025, Richard's direct individual holding has increased from 59.00k shares to 60.54k. Company insiders have collectively sold US$6.8m more than they bought, via options and on-market transactions in the last 12 months.
Reported Earnings • Mar 16Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$6.30 (up from US$5.59 in FY 2024). Revenue: US$136.9m (up 14% from FY 2024). Net income: US$50.8m (up 16% from FY 2024). Profit margin: 37% (in line with FY 2024). Net interest margin (NIM): 6.02% (down from 6.06% in FY 2024). Cost-to-income ratio: 48.6% (down from 48.7% in FY 2024). Non-performing loans: 0.49% (down from 0.78% in FY 2024). Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 35% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 44% per year, which means it is tracking significantly ahead of earnings growth.
Major Estimate Revision • Mar 15Consensus revenue estimates increase by 27%, EPS downgradedThe consensus outlook for fiscal year 2026 has been updated. 2026 revenue forecast increased from US$141.6m to US$179.4m. EPS estimate fell from US$6.38 to US$3.92. Net income forecast to shrink 25% next year vs 15% growth forecast for Banks industry in the US . Consensus price target of US$123 unchanged from last update. Share price rose 11% to US$110 over the past week.
お知らせ • Mar 13Esquire Financial Holdings, Inc. Announces Executive Changes Following Acquisition of Signature Bancorporation, IncEsquire Financial Holdings, Inc. and Signature Bancorporation, Inc. jointly announced that they had entered into a definitive merger agreement, pursuant to which Esquire will acquire Signature in an all-stock transaction. Each of the combined company's and bank's board of directors will consist of eleven directors, including nine directors from Esquire and two directors from Signature. Leonard S. Caronia, current Signature Chairman of the Board, will join Esquire's board of directors. Michael G. O'Rourke, current Signature Chief Executive Officer & President, will join Esquire's board of directors. Signature's top three executives have entered into new employment agreements and will oversee commercial business development opportunities and operations in the Chicago market. Michael G. O'Rourke, current Signature Chief Executive Officer & President and post-merger President of Signature, a division of Esquire Bank. Bryan D. Duncan, current Signature Executive Vice President and post-merger Executive Vice President of Signature, a division of Esquire Bank. Kevin Bastuga, current Signature Executive Vice President and post-merger Executive Vice President of Signature, a division of Esquire Bank.
お知らせ • Mar 12Esquire Financial Holdings, Inc. (NasdaqCM:ESQ) signed a definitive agreement to acquire Signature Bancorporation, Inc. for approximately $340 million.Esquire Financial Holdings, Inc. (NasdaqCM:ESQ) signed a definitive agreement to acquire Signature Bancorporation, Inc. for approximately $340 million on March 11, 2026. Under the terms of the merger agreement, shareholders of Signature will receive a fixed exchange ratio of 2.63 shares of Esquire common stock for each share of Signature common stock. The per share value equates to $260.48 for Signature shareholders based on the closing price of Esquire common stock on March 11, 2026, or approximately $348.4 million in aggregate transaction value. In case of termination of transaction, seller will pay a termination fee of $15 million. Signature will be branded as Signature, a division of Esquire Bank. Each of the combined company’s and bank’s board of directors will consist of eleven directors, including nine directors from Esquire and two directors from Signature. Leonard S. Caronia will join Esquire’s board of directors, Michael G. O’Rourke will join Esquire’s board of directors. As of period ending December 31, 2025, Signature Bancorporation, Inc. reported a total assets of $2 billion. The transaction is subject to approval by regulatory board / committee, approval of merger agreement by target board, approval of offer by acquirer shareholders, approval of offer by acquirer board, approval of offer by target shareholders, NASDAQ Listing. The Merger Agreement was unanimously approved by the board of directors of each of Esquire and Signature. The expected completion of the transaction is in the third quarter of 2026. Signature’s high-performing commercial bank with strong low-cost core commercial deposits diversifies Esquire’s balance sheet while contributing significant earnings with strong performance metrics, generating a mid to high-teens IRR for the deployment of Esquire’s excess capital in the merger. The transaction is approximately 11% accretive to Esquire’s Tangible Book Value. The transaction only assumes 5% cost savings as the value created in this merger is primarily driven by industry leading growth and performance metrics. Esquire remains well capitalized with no associated capital raise. Piper Sandler & Co. acted as financial advisor for Esquire Financial Holdings, Inc. John J. Gorman and Marc Levy of Luse Gorman, P.C acted as legal advisor for Esquire Financial Holdings, Inc. Raymond James & Associates, Inc. acted as financial advisor for Signature Bancorporation, Inc. James W. Morrissey of Vedder Price P.C. acted as legal advisor for Signature Bancorporation, Inc.
分析記事 • Feb 11Esquire Financial Holdings (NASDAQ:ESQ) Has Announced That It Will Be Increasing Its Dividend To $0.20Esquire Financial Holdings, Inc. ( NASDAQ:ESQ ) will increase its dividend from last year's comparable payment on the...
Declared Dividend • Feb 05Fourth quarter dividend increased to US$0.20Dividend of US$0.20 is 14% higher than last year. Ex-date: 13th February 2026 Payment date: 2nd March 2026 Dividend yield will be 0.6%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 11%. Forecast payout ratio in 3 years: 11%.
お知らせ • Feb 03Esquire Financial Holdings, Inc. Increases Quarterly Dividend, Payable on March 2, 2026Esquire Financial Holdings, Inc. announced an increase to its regular quarterly dividend by 14% to $0.20 per share of common stock, payable on March 2, 2026, to each stockholder of record on February 13, 2026.
お知らせ • Jan 31Esquire Financial Holdings, Inc. Announces Resignation of Joseph Melohn as Director and from Committee Positions, Effective January 28, 2026Esquire Financial Holdings, Inc. announced that on January 28, 2026, Mr. Joseph Melohn resigned from his director and committee positions at Esquire Financial Holdings, Inc. and from all its affiliates in order to focus on his other professional and personal commitments, which resignation was effective on that date. Effective upon Mr. Melohn's resignation as a director, the size of the Company's Board of Directors was reduced from ten to nine directors.
Reported Earnings • Jan 22Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$6.31 (up from US$5.59 in FY 2024). Revenue: US$136.9m (up 14% from FY 2024). Net income: US$50.8m (up 16% from FY 2024). Profit margin: 37% (in line with FY 2024). Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 4.6% p.a. on average during the next 2 years, compared to a 9.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 36% per year, which means it is tracking significantly ahead of earnings growth.
Recent Insider Transactions Derivative • Jan 07Vice Chairman exercised options to buy US$2.8m worth of stock.On the 5th of January, Andrew Sagliocca exercised 29.25k options at around US$12.50, then sold 3.52k of them at US$104 each and kept the remainder. Since March 2025, Andrew's direct individual holding has decreased from 281.42k shares to 264.92k. Company insiders have collectively sold US$8.5m more than they bought, via options and on-market transactions in the last 12 months.
Declared Dividend • Nov 03Third quarter dividend of US$0.17 announcedShareholders will receive a dividend of US$0.17. Ex-date: 14th November 2025 Payment date: 1st December 2025 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 11%. Forecast payout ratio in 3 years: 11%.
お知らせ • Oct 31Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on December 1, 2025Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.175 per share of common stock, payable on December 1, 2025, to each stockholder of record on November 14, 2025.
Reported Earnings • Oct 24Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$1.74 (up from US$1.45 in 3Q 2024). Revenue: US$35.8m (up 16% from 3Q 2024). Net income: US$14.1m (up 24% from 3Q 2024). Profit margin: 39% (up from 37% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.9%. Earnings per share (EPS) also surpassed analyst estimates by 10%. Revenue is forecast to grow 1.6% p.a. on average during the next 2 years, compared to a 8.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has increased by 33% per year, which means it is tracking significantly ahead of earnings growth.
Recent Insider Transactions • Aug 28Independent Director recently sold US$1.7m worth of stockOn the 22nd of August, Selig Zises sold around 17k shares on-market at roughly US$99.71 per share. This transaction amounted to 10.0% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$10m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Aug 15Independent Chairman of the Board exercised options to buy US$1.9m worth of stock.On the 12th of August, Anthony Coelho exercised 22.23k options at around US$12.50, then sold 2.84k of them at US$97.88 each and kept the remainder. Since December 2024, Anthony has owned 76.95k shares directly. Company insiders have collectively sold US$5.6m more than they bought, via options and on-market transactions in the last 12 months.
Upcoming Dividend • Aug 11Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 15 August 2025. Payment date: 02 September 2025. Payout ratio is a comfortable 11% and this is well supported by cash flows. Trailing yield: 0.7%. Lower than top quartile of American dividend payers (4.6%). Lower than average of industry peers (2.6%).
Recent Insider Transactions • Aug 03Independent Director recently sold US$477k worth of stockOn the 31st of July, Selig Zises sold around 5k shares on-market at roughly US$95.38 per share. This transaction amounted to 2.9% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$6.4m more than they bought in the last 12 months.
Price Target Changed • Jul 30Price target increased by 9.5% to US$110Up from US$101, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$96.14. Stock is up 56% over the past year. The company is forecast to post earnings per share of US$5.64 for next year compared to US$5.58 last year.
Recent Insider Transactions Derivative • Jul 29Independent Director exercised options to buy US$1.9m worth of stock.On the 25th of July, Robert Mitzman exercised options to buy 20k shares at a strike price of around US$12.50, costing a total of US$250k. This transaction amounted to 16% of their direct individual holding at the time of the trade. Since December 2024, Robert's direct individual holding has increased from 104.70k shares to 126.93k. Company insiders have collectively sold US$5.2m more than they bought, via options and on-market transactions in the last 12 months.
Declared Dividend • Jul 28Second quarter dividend of US$0.17 announcedShareholders will receive a dividend of US$0.17. Ex-date: 15th August 2025 Payment date: 2nd September 2025 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%.
Reported Earnings • Jul 25Second quarter 2025 earnings: EPS in line with analyst expectations despite revenue beatSecond quarter 2025 results: EPS: US$1.48 (up from US$1.35 in 2Q 2024). Revenue: US$32.3m (up 9.2% from 2Q 2024). Net income: US$11.9m (up 13% from 2Q 2024). Profit margin: 37% (up from 35% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 1.2% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Jul 25Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on September 2, 2025Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.175 per share of common stock, payable on September 2, 2025, to each stockholder of record on August 15, 2025.
お知らせ • Jun 30+ 6 more updatesEsquire Financial Holdings, Inc.(NasdaqCM:ESQ) dropped from Russell 3000E Value IndexEsquire Financial Holdings, Inc.(NasdaqCM:ESQ) dropped from Russell 3000E Value Index
Seeking Alpha • Jun 23Esquire Financial Holdings: Contraction In Earnings GrowthSummary Esquire Financial Holdings delivered strong historical growth, but 2024 shows slowing net income and declining payment processing fees. Loan portfolio and deposit growth remain robust, with industry-leading net interest margins and strong asset quality, despite macroeconomic headwinds. Noninterest income weakness and high cash balances at low yields signal emerging risks and operational adjustments to monitor closely. Given slower growth and elevated valuation after significant stock appreciation, I am downgrading my rating from Strong Buy to Buy. Read the full article on Seeking Alpha
分析記事 • May 01Esquire Financial Holdings, Inc. (NASDAQ:ESQ) Analysts Just Slashed This Year's Revenue Estimates By 11%Today is shaping up negative for Esquire Financial Holdings, Inc. ( NASDAQ:ESQ ) shareholders, with the analysts...
お知らせ • May 01Esquire Financial Holdings, Inc., Annual General Meeting, May 29, 2025Esquire Financial Holdings, Inc., Annual General Meeting, May 29, 2025. Location: 100 jericho quadrangle, suite 100, new york 11753, jericho United States
Recent Insider Transactions • Apr 30Founder recently sold US$1.7m worth of stockOn the 28th of April, Ari Kornhaber sold around 20k shares on-market at roughly US$83.51 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Ari's only on-market trade for the last 12 months.
Price Target Changed • Apr 29Price target increased by 7.1% to US$95.00Up from US$88.67, the current price target is an average from 2 analysts. New target price is 13% above last closing price of US$84.37. Stock is up 79% over the past year. The company is forecast to post earnings per share of US$5.56 for next year compared to US$5.58 last year.
Declared Dividend • Apr 28First quarter dividend of US$0.17 announcedShareholders will receive a dividend of US$0.17. Ex-date: 15th May 2025 Payment date: 2nd June 2025 Dividend yield will be 0.8%, which is lower than the industry average of 3.2%.
Reported Earnings • Apr 25First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$1.43 (up from US$1.29 in 1Q 2024). Revenue: US$32.3m (up 14% from 1Q 2024). Net income: US$11.4m (up 13% from 1Q 2024). Profit margin: 35% (in line with 1Q 2024). Revenue missed analyst estimates by 10%. Earnings per share (EPS) exceeded analyst estimates by 1.3%. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 6.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has increased by 33% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 25Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 2, 2025Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.175 per share of common stock, payable on June 2, 2025, to each stockholder of record on May 15, 2025.
Recent Insider Transactions Derivative • Apr 24Independent Director exercised options to buy US$1.9m worth of stock.On the 21st of April, Robert Mitzman exercised options to buy 22k shares at a strike price of around US$12.50, costing a total of US$278k. This transaction amounted to 21% of their direct individual holding at the time of the trade. Since December 2024, Robert has owned 104.70k shares directly. Company insiders have collectively sold US$3.2m more than they bought, via options and on-market transactions in the last 12 months.
Reported Earnings • Mar 18Full year 2024 earnings: Revenues and EPS in line with analyst expectationsFull year 2024 results: EPS: US$5.59 (up from US$5.32 in FY 2023). Revenue: US$120.1m (up 10% from FY 2023). Net income: US$43.7m (up 6.5% from FY 2023). Profit margin: 36% (down from 38% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 6.06% (down from 6.09% in FY 2023). Cost-to-income ratio: 48.7% (up from 48.5% in FY 2023). Non-performing loans: 0.78% (down from 0.91% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 26% per year whereas the company’s share price has increased by 30% per year.
Recent Insider Transactions • Mar 06Independent Director recently sold US$1.6m worth of stockOn the 28th of February, Selig Zises sold around 20k shares on-market at roughly US$77.59 per share. This transaction amounted to 9.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$3.7m more than they bought in the last 12 months.
Recent Insider Transactions • Feb 09Independent Director recently sold US$124k worth of stockOn the 6th of February, Richard Powers sold around 1k shares on-market at roughly US$86.99 per share. This transaction amounted to 2.4% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$614k. Insiders have been net sellers, collectively disposing of US$3.2m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Feb 07Independent Director notifies of intention to sell stockRichard Powers intends to sell 1k shares in the next 90 days after lodging an Intent To Sell Form on the 6th of February. If the sale is conducted around the recent share price of US$86.30, it would amount to US$123k. Since March 2024, Richard's direct individual holding has increased from 58.88k shares to 60.42k. Company insiders have collectively sold US$2.9m more than they bought, via options and on-market transactions in the last 12 months.
Declared Dividend • Feb 03Fourth quarter dividend increased to US$0.17Dividend of US$0.17 is 17% higher than last year. Ex-date: 14th February 2025 Payment date: 3rd March 2025 Dividend yield will be 0.7%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 11%. Forecast payout ratio in 3 years: 11%.
お知らせ • Jan 31Esquire Financial Holdings, Inc. Increases Quarterly Dividend, Payable on March 3, 2025Esquire Financial Holdings, Inc. announced an increase to its regular quarterly dividend by 17% to $0.175 per share of common stock, payable on March 3, 2025, to each stockholder of record on February 14, 2025.
Major Estimate Revision • Jan 30Consensus revenue estimates increase by 16%The consensus outlook for fiscal year 2025 has been updated. 2025 revenue forecast increased from US$111.3m to US$128.8m. EPS estimate unchanged at US$5.52. Net income forecast to grow 9.6% next year vs 10% growth forecast for Banks industry in the US. Consensus price target up from US$85.00 to US$88.67. Share price was steady at US$87.42 over the past week.
Reported Earnings • Jan 23Full year 2024 earnings: Revenues and EPS in line with analyst expectationsFull year 2024 results: EPS: US$5.59 (up from US$5.32 in FY 2023). Revenue: US$120.1m (up 10% from FY 2023). Net income: US$43.7m (up 6.5% from FY 2023). Profit margin: 36% (down from 38% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 1.3% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has increased by 36% per year, which means it is tracking significantly ahead of earnings growth.
Recent Insider Transactions Derivative • Jan 17Vice Chairman exercised options to buy US$2.1m worth of stock.On the 15th of January, Andrew Sagliocca exercised 29.00k options at around US$12.50, then sold 4.35k of them at US$83.24 each and kept the remainder. Since March 2024, Andrew's direct individual holding has increased from 234.45k shares to 248.08k. Company insiders have collectively sold US$2.9m more than they bought, via options and on-market transactions in the last 12 months.
Price Target Changed • Jan 10Price target increased by 11% to US$85.00Up from US$76.67, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of US$81.00. Stock is up 73% over the past year. The company is forecast to post earnings per share of US$5.16 for next year compared to US$5.31 last year.
Recent Insider Transactions • Dec 20Independent Director recently sold US$156k worth of stockOn the 17th of December, Selig Zises sold around 2k shares on-market at roughly US$78.14 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$614k. Insiders have been net sellers, collectively disposing of US$2.9m more than they bought in the last 12 months.
Price Target Changed • Dec 16Price target increased by 8.1% to US$80.00Up from US$74.00, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of US$78.76. Stock is up 64% over the past year. The company is forecast to post earnings per share of US$5.16 for next year compared to US$5.31 last year.
Price Target Changed • Dec 04Price target increased by 8.6% to US$77.50Up from US$71.33, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$78.90. Stock is up 69% over the past year. The company is forecast to post earnings per share of US$5.16 for next year compared to US$5.31 last year.
Recent Insider Transactions • Dec 01Independent Director recently sold US$614k worth of stockOn the 26th of November, Selig Zises sold around 8k shares on-market at roughly US$76.77 per share. This transaction amounted to 3.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$2.6m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Nov 11Vice Chairman exercised options to buy US$1.7m worth of stock.On the 6th of November, Andrew Sagliocca exercised 26.68k options at around US$12.50, then sold 4.51k of them at US$73.86 each and kept the remainder. Since December 2023, Andrew's direct individual holding has increased from 236.36k shares to 264.50k. Company insiders have collectively sold US$1.8m more than they bought, via options and on-market transactions in the last 12 months.
Declared Dividend • Nov 03Third quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 15th November 2024 Payment date: 2nd December 2024 Dividend yield will be 0.9%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (11% payout ratio) and is expected to be well covered in 3 years' time (11% forecast payout ratio). The dividend has increased by an average of 19% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 12% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Oct 31Esquire Financial Holdings, Inc. Announces Regular Quarterly Dividend, Payable on December 2, 2024Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.15 per share of common stock, payable on December 2, 2024, to each stockholder of record on November 15, 2024.
Reported Earnings • Oct 25Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2024 results: EPS: US$1.45 (up from US$1.28 in 3Q 2023). Revenue: US$30.9m (up 14% from 3Q 2023). Net income: US$11.4m (up 16% from 3Q 2023). Profit margin: 37% (in line with 3Q 2023). Revenue missed analyst estimates by 5.1%. Earnings per share (EPS) exceeded analyst estimates by 2.3%. Revenue is forecast to grow 8.5% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 31% per year whereas the company’s share price has increased by 27% per year.
Recent Insider Transactions Derivative • Sep 25Independent Director exercised options to buy US$582k worth of stock.On the 20th of September, Kevin Waterhouse exercised options to buy 9k shares at a strike price of around US$20.49, costing a total of US$188k. This transaction amounted to 6.6% of their direct individual holding at the time of the trade. Since December 2023, Kevin has owned 139.41k shares directly. Company insiders have collectively sold US$2.1m more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions Derivative • Aug 01Insider exercised options and sold US$99k worth of stockOn the 26th of July, Ari Kornhaber exercised 10.00k options at around US$12.50, then sold 2k of the shares acquired at an average of US$59.30 per share and kept the remainder. Since December 2023, Ari's direct individual holding has decreased from 95.42k shares to 94.69k. Company insiders have collectively sold US$2.8m more than they bought, via options and on-market transactions in the last 12 months.
Price Target Changed • Jul 29Price target increased by 8.7% to US$66.33Up from US$61.00, the current price target is an average from 3 analysts. New target price is 12% above last closing price of US$59.30. Stock is up 19% over the past year. The company is forecast to post earnings per share of US$5.13 for next year compared to US$5.31 last year.
Declared Dividend • Jul 29Second quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 15th August 2024 Payment date: 3rd September 2024 Dividend yield will be 1.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 29% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 4.7% over the next year, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jul 26Second quarter 2024 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2024 results: EPS: US$1.34 (up from US$1.18 in 2Q 2023). Revenue: US$29.6m (up 16% from 2Q 2023). Net income: US$10.5m (up 15% from 2Q 2023). Profit margin: 35% (in line with 2Q 2023). Revenue exceeded analyst estimates by 3.5%. Earnings per share (EPS) also surpassed analyst estimates by 4.7%. Revenue is forecast to stay flat during the next 2 years compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 34% per year whereas the company’s share price has increased by 35% per year.
お知らせ • Jul 26Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on September 3, 2024Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.15 per share of common stock, payable on September 3, 2024, to each stockholder of record on August 15, 2024.
Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$54.52, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Banks industry in the US. Total returns to shareholders of 143% over the past three years.
Recent Insider Transactions • Jun 19Independent Director recently sold US$115k worth of stockOn the 17th of June, Selig Zises sold around 3k shares on-market at roughly US$45.89 per share. This transaction amounted to 1.1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$715k. Insiders have been net sellers, collectively disposing of US$2.8m more than they bought in the last 12 months.
Recent Insider Transactions • May 26Independent Director recently sold US$715k worth of stockOn the 23rd of May, Selig Zises sold around 15k shares on-market at roughly US$47.64 per share. This transaction amounted to 6.2% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$1.1m. Insiders have been net sellers, collectively disposing of US$2.7m more than they bought in the last 12 months.
Declared Dividend • Apr 29First quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 14th May 2024 Payment date: 3rd June 2024 Dividend yield will be 1.2%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 29% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 4.6% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 27Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 3, 2024Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.15 per share of common stock, payable on June 3, 2024, to each stockholder of record on May 15, 2024.
Reported Earnings • Apr 25First quarter 2024 earnings released: EPS: US$1.29 (vs US$1.58 in 1Q 2023)First quarter 2024 results: EPS: US$1.29 (down from US$1.58 in 1Q 2023). Revenue: US$28.3m (down 2.8% from 1Q 2023). Net income: US$10.1m (down 17% from 1Q 2023). Profit margin: 36% (down from 42% in 1Q 2023). The decrease in margin was primarily driven by higher expenses. Revenue is forecast to grow 3.4% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has only increased by 27% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 20Esquire Financial Holdings, Inc., Annual General Meeting, May 30, 2024Esquire Financial Holdings, Inc., Annual General Meeting, May 30, 2024, at 10:00 Eastern Daylight. Location: located at 100 Jericho Quadrangle, Suite 100 Jericho Quadrangle, Suite 100, Jericho, New York Jerciho New York United States Agenda: To consider the election of three directors to serve for a term of three years and the election of one director to serve for a term of one year; to the approval of the Esquire Financial Holdings, Inc. 2024 Equity Incentive Plan; to the ratification of the appointment of Crowe LLP as our independent registered public accounting firm for the year ending December 31, 2024; and to discuss other matters.
Reported Earnings • Mar 31Full year 2023 earnings: Revenues and EPS in line with analyst expectationsFull year 2023 results: EPS: US$5.32 (up from US$3.73 in FY 2022). Revenue: US$109.0m (up 35% from FY 2022). Net income: US$41.0m (up 44% from FY 2022). Profit margin: 38% (up from 35% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 6.09% (up from 4.99% in FY 2022). Cost-to-income ratio: 46.8% (down from 49.8% in FY 2022). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 2.1% p.a. on average during the next 2 years, compared to a 5.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has only increased by 27% per year, which means it is significantly lagging earnings growth.
New Risk • Mar 11New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$1.1m This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company.
Recent Insider Transactions • Mar 11Independent Director recently sold US$1.1m worth of stockOn the 5th of March, Selig Zises sold around 22k shares on-market at roughly US$49.83 per share. This transaction amounted to 8.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$2.7m more than they bought in the last 12 months.
Upcoming Dividend • Feb 07Upcoming dividend of US$0.15 per share at 1.2% yieldEligible shareholders must have bought the stock before 14 February 2024. Payment date: 01 March 2024. Trailing yield: 1.2%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.3%).
分析記事 • Feb 04Esquire Financial Holdings (NASDAQ:ESQ) Is Increasing Its Dividend To $0.15Esquire Financial Holdings, Inc.'s ( NASDAQ:ESQ ) dividend will be increasing from last year's payment of the same...
Declared Dividend • Feb 04Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 14th February 2024 Payment date: 1st March 2024 Dividend yield will be 1.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (9% payout ratio) and is expected to be well covered in 3 years' time (11% forecast payout ratio). The dividend has increased by an average of 18% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 3.7% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 01Esquire Financial Holdings, Inc. Increases Quarterly Dividend for Common Stockholders, Payable on March 1, 2024Esquire Financial Holdings, Inc. announced an increase to its regular quarterly dividend by 20% to $0.15 per share of common stock, payable on March 1, 2024, to each stockholder of record on February 15, 2024.
Price Target Changed • Jan 29Price target increased by 7.4% to US$63.00Up from US$58.67, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$54.21. Stock is up 21% over the past year. The company is forecast to post earnings per share of US$4.91 for next year compared to US$5.31 last year.
Reported Earnings • Jan 26Full year 2023 earnings: Revenues and EPS in line with analyst expectationsFull year 2023 results: EPS: US$5.32 (up from US$3.73 in FY 2022). Revenue: US$109.0m (up 35% from FY 2022). Net income: US$41.0m (up 44% from FY 2022). Profit margin: 38% (up from 35% in FY 2022). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to stay flat during the next 2 years compared to a 5.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has only increased by 31% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Jan 17Price target increased by 7.6% to US$58.67Up from US$54.50, the current price target is an average from 3 analysts. New target price is 23% above last closing price of US$47.62. Stock is up 17% over the past year. The company is forecast to post earnings per share of US$4.91 for next year compared to US$3.73 last year.
お知らせ • Jan 05Esquire Financial Holdings, Inc. and Esquire Bank, National Association Appoint Rena Nigam as Board MemberEsquire Financial Holdings, Inc. "), the financial holding company for Esquire Bank, National Association (the Bank) announced that Rena Nigam was appointed to the Boards of Directors of both the Company and the Bank, effective January 3, 2024. Ms. Nigam has 25 years of experience in high growth global ventures as an executive, entrepreneur, and investor across publicly traded and private companies. She started her career with an international bank's payment division and then shifted to a financial services focused technology company. In 2011, she co-founded a company focused on digital payments and lending products in the technology space. In 2018, she was president of a digital transformation company. Ms. Nigam is currently Founder and Chief Executive Officer of Meytier – a company that utilizes AI to enable and assist in the talent assessment and hiring process of potential employment candidates for over 60 companies across multiple sectors.
Recent Insider Transactions • Nov 15Independent Director recently sold US$325k worth of stockOn the 9th of November, Selig Zises sold around 7k shares on-market at roughly US$46.48 per share. This transaction amounted to 2.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.9m more than they bought in the last 12 months.
Upcoming Dividend • Nov 07Upcoming dividend of US$0.13 per share at 1.1% yieldEligible shareholders must have bought the stock before 14 November 2023. Payment date: 01 December 2023. Payout ratio is a comfortable 8.6% and this is well supported by cash flows. Trailing yield: 1.1%. Lower than top quartile of American dividend payers (5.1%). Lower than average of industry peers (3.8%).
お知らせ • Oct 27Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on December 1, 2023Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.125 per share of common stock, payable on December 1, 2023, to each stockholder of record on November 15, 2023.
Reported Earnings • Oct 23Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2023 results: EPS: US$1.28 (up from US$1.01 in 3Q 2022). Revenue: US$27.1m (up 27% from 3Q 2022). Net income: US$9.84m (up 28% from 3Q 2022). Profit margin: 36% (in line with 3Q 2022). Revenue missed analyst estimates by 9.5%. Earnings per share (EPS) exceeded analyst estimates by 4.0%. Revenue is forecast to grow 9.6% p.a. on average during the next 3 years, compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 41% per year whereas the company’s share price has increased by 38% per year.
Recent Insider Transactions • Sep 15Independent Director recently sold US$237k worth of stockOn the 12th of September, Selig Zises sold around 5k shares on-market at roughly US$47.42 per share. This transaction amounted to 1.8% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$239k. Insiders have been net sellers, collectively disposing of US$1.7m more than they bought in the last 12 months.
お知らせ • Sep 07Esquire Financial Holdings, Inc. Announces Appointment of Gary Lax as Its Senior Vice President, Chief Legal Officer, and Corporate SecretaryEsquire Financial Holdings, Inc. announced the hiring of Gary Lax as its Senior Vice President, Chief Legal Officer, and Corporate Secretary. Mr. Lax has more than 35 years of financial services experience and was most recently a partner at Luse Gorman, PC, specializing in regulatory enforcement, transaction law, and capital planning as well as numerous other legal, regulatory, and business matters. Mr. Lax also served on the faculty of the Federal Financial Institutions Examination Council for more than 10 years and started his legal career as an attorney with the Office of the Comptroller of the Currency in Washington, D.C.
Recent Insider Transactions • Aug 24Independent Director recently sold US$239k worth of stockOn the 21st of August, Selig Zises sold around 5k shares on-market at roughly US$47.76 per share. This transaction amounted to 1.8% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.9m more than they bought in the last 12 months.
Upcoming Dividend • Aug 07Upcoming dividend of US$0.13 per share at 1.0% yieldEligible shareholders must have bought the stock before 14 August 2023. Payment date: 01 September 2023. Payout ratio is a comfortable 8.4% and this is well supported by cash flows. Trailing yield: 1.0%. Lower than top quartile of American dividend payers (4.7%). Lower than average of industry peers (3.4%).
お知らせ • Jul 28Esquire Financial Holdings, Inc. Declares Quarterly Cash Dividend, Payable on September 1, 2023Esquire Financial Holdings, Inc. announced its regular quarterly dividend of $0.125 per share of common stock, payable on September 1, 2023, to each stockholder of record on August 15, 2023.
Reported Earnings • Jul 25Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: US$1.18 (up from US$0.83 in 2Q 2022). Revenue: US$25.5m (up 34% from 2Q 2022). Net income: US$9.11m (up 44% from 2Q 2022). Profit margin: 36% (up from 33% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 4.7%. Earnings per share (EPS) also surpassed analyst estimates by 4.8%. Revenue is expected to decline by 7.9% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has increased by 48% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Jul 21Esquire Financial Holdings, Inc. Announces Executive AppointmentsEsquire Financial Holdings, Inc. announced that it has enhanced its litigation vertical in key regions nationwide through the hiring of six Managing Directors and senior business development officers with the direct assistance of Korn Ferry, a premier global executive search firm. These BDOs have decades of experience servicing the litigation market and deep industry connections to support Esquire's continued expansion. The following senior BDOs will directly support each of Esquire's newly defined regions: · Kevin Donahue – Southern Regio, · Raul Guisado – West Coast Regi, · Jennifer Janof – Mid-Atlantic Regio. · Gina Mallicoat – Southwest Region, · Eric Thompson – North Region, · Joshua Vause – Southeast Region.
Recent Insider Transactions • May 25Independent Director recently sold US$846k worth of stockOn the 22nd of May, Selig Zises sold around 20k shares on-market at roughly US$42.30 per share. This transaction amounted to 6.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.8m more than they bought in the last 12 months.
