Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small business communities, and commercial and retail customers in the United States. More Details
No risks detected for ESQ from our risk checks.
Flawless balance sheet and fair value.
Share Price & News
How has Esquire Financial Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ESQ is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: ESQ's weekly volatility (9%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: ESQ underperformed the US Banks industry which returned -7.3% over the past year.
Return vs Market: ESQ underperformed the US Market which returned 19.6% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Esquire Financial Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 days ago | Simply Wall StWhat You Need To Know About Esquire Financial Holdings, Inc.'s (NASDAQ:ESQ) Investor Composition
1 month ago | Simply Wall StEsquire Financial Holdings (NASDAQ:ESQ) Share Prices Have Dropped 27% In The Last Year
2 months ago | Simply Wall StRead This Before Selling Esquire Financial Holdings, Inc. (NASDAQ:ESQ) Shares
Is Esquire Financial Holdings undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ESQ ($22.5) is trading below our estimate of fair value ($25.16)
Significantly Below Fair Value: ESQ is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ESQ is poor value based on its PE Ratio (13.2x) compared to the US Banks industry average (12.3x).
PE vs Market: ESQ is good value based on its PE Ratio (13.2x) compared to the US market (21x).
Price to Earnings Growth Ratio
PEG Ratio: ESQ is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: ESQ is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1x).
How is Esquire Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ESQ's forecast earnings growth (24.9% per year) is above the savings rate (2%).
Earnings vs Market: ESQ's earnings (24.9% per year) are forecast to grow faster than the US market (21.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ESQ's revenue (7.5% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: ESQ's revenue (7.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ESQ's Return on Equity is forecast to be low in 3 years time (13.5%).
How has Esquire Financial Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ESQ has high quality earnings.
Growing Profit Margin: ESQ's current net profit margins (28.5%) are lower than last year (31.3%).
Past Earnings Growth Analysis
Earnings Trend: ESQ's earnings have grown significantly by 44.2% per year over the past 5 years.
Accelerating Growth: ESQ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ESQ had negative earnings growth (-4.1%) over the past year, making it difficult to compare to the Banks industry average (-4.4%).
Return on Equity
High ROE: ESQ's Return on Equity (10.3%) is considered low.
How is Esquire Financial Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ESQ's Assets to Equity ratio (7.2x) is low.
Allowance for Bad Loans: ESQ has a sufficient allowance for bad loans (650%).
Low Risk Liabilities: 98% of ESQ's liabilities are made up of primarily low risk sources of funding.
Loan Level: ESQ has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: ESQ's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: ESQ has an appropriate level of bad loans (0.3%).
What is Esquire Financial Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ESQ's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ESQ's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ESQ's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ESQ's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ESQ's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Andrew Sagliocca (52 yo)
Mr. Andrew C. Sagliocca has served as President and Chief Executive Officer of Esquire Bank, National Association since January 2009 and Esquire Financial Holdings, Inc. since inception. He has led numerou...
CEO Compensation Analysis
Compensation vs Market: Andrew's total compensation ($USD1.92M) is above average for companies of similar size in the US market ($USD1.01M).
Compensation vs Earnings: Andrew's compensation has been consistent with company performance over the past year.
|CEO, President & Director||12yrs||US$1.92m||2.26% |
|Executive VP||2.08yrs||US$1.18m||1.02% |
|Executive VP & Head of Corporate Development||0.25yr||US$1.18m||0.79% |
|Senior VP & CFO||2.08yrs||no data||0.13% |
|Senior VP||no data||no data||0.027% |
|Senior VP & Chief Technology Officer||no data||no data||no data|
|Senior VP & Chief Compliance Officer||no data||no data||no data|
|Senior VP & Director of Merchant Services||no data||no data||no data|
|Senior VP & Chief Administrative Officers of Merchant Services||no data||no data||no data|
|Managing Director & Retail Director||no data||no data||no data|
|Chief Banking & Revenue Officer||0.42yr||no data||no data|
|Senior VP & Chief Lending Officer||no data||no data||no data|
Experienced Management: ESQ's management team is considered experienced (2.1 years average tenure).
|CEO, President & Director||12yrs||US$1.92m||2.26% |
|Independent Director||15yrs||US$74.75k||0.74% |
|Independent Chairman of the Board||2.42yrs||US$191.50k||0.82% |
|Independent Director||4.67yrs||US$52.00k||0.14% |
|Independent Director||6yrs||US$55.50k||0.65% |
|Independent Director||14yrs||US$53.25k||1.33% |
|Independent Director||14yrs||US$34.50k||0.68% |
|Independent Director||12yrs||US$60.75k||4.17% |
|Independent Director||15yrs||US$67.25k||1.81% |
|Independent Director||8yrs||US$33.75k||0.30% |
Experienced Board: ESQ's board of directors are seasoned and experienced ( 12.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Esquire Financial Holdings, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Esquire Financial Holdings, Inc.
- Ticker: ESQ
- Exchange: NasdaqCM
- Founded: 2010
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$166.586m
- Shares outstanding: 7.40m
- Website: https://www.esquirebank.com
Number of Employees
- Esquire Financial Holdings, Inc.
- 100 Jericho Quadrangle
- Suite 100
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ESQ||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Jun 2017|
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small business communities, ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/17 00:59|
|End of Day Share Price||2021/01/15 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.