Esquire Financial Holdings, Inc.

NasdaqCM:ESQ Stock Report

Mkt Cap: US$341.2m

We’ve recently updated our valuation analysis.

Esquire Financial Holdings Valuation

Is ESQ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ESQ?

Other financial metrics that can be useful for relative valuation.

ESQ key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.7x

Price to Earnings Ratio vs Peers

How does ESQ's PE Ratio compare to its peers?

The above table shows the PE ratio for ESQ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.6x
NBN Northeast Bank
8.6xn/aUS$347.7m
CBNK Capital Bancorp
7.2x3.8%US$302.2m
WTBA West Bancorporation
7.5x-24.0%US$347.3m
JMSB John Marshall Bancorp
11.1xn/aUS$351.5m
ESQ Esquire Financial Holdings
12x16.2%US$341.2m

Price-To-Earnings vs Peers: ESQ is expensive based on its Price-To-Earnings Ratio (12x) compared to the peer average (8.6x).


Price to Earnings Ratio vs Industry

How does ESQ's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.1%
n/an/an/a

Price-To-Earnings vs Industry: ESQ is expensive based on its Price-To-Earnings Ratio (12x) compared to the US Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is ESQ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ESQ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12x
Fair PE Ratio11x

Price-To-Earnings vs Fair Ratio: ESQ is expensive based on its Price-To-Earnings Ratio (12x) compared to the estimated Fair Price-To-Earnings Ratio (11x).


Share Price vs Fair Value

What is the Fair Price of ESQ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ESQ ($44.01) is trading below our estimate of fair value ($51.07)

Significantly Below Fair Value: ESQ is trading below fair value, but not by a significant amount.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ESQ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$44.01
US$53.00
+20.4%
9.4%US$58.00US$48.00n/a2
Jan ’24US$43.26
US$50.50
+16.7%
5.0%US$53.00US$48.00n/a2
Dec ’23US$44.75
US$50.00
+11.7%
6.0%US$53.00US$47.00n/a2
Nov ’23US$46.05
US$50.00
+8.6%
6.0%US$53.00US$47.00n/a2
Oct ’23US$37.55
US$42.00
+11.9%
0%US$42.00US$42.00n/a1
Sep ’23US$36.90
US$41.00
+11.1%
0%US$41.00US$41.00n/a1
Aug ’23US$36.41
US$41.00
+12.6%
0%US$41.00US$41.00n/a1
Jul ’23US$33.71
US$38.00
+12.7%
0%US$38.00US$38.00n/a1
Jun ’23US$38.50
US$43.00
+11.7%
0%US$43.00US$43.00n/a1
May ’23US$36.00
US$43.00
+19.4%
0%US$43.00US$43.00n/a1
Apr ’23US$33.13
US$38.00
+14.7%
0%US$38.00US$38.00n/a1
Mar ’23US$31.81
US$38.00
+19.5%
0%US$38.00US$38.00n/a1
Feb ’23US$34.05
US$38.00
+11.6%
0%US$38.00US$38.00n/a1
Jan ’23US$31.50
US$36.00
+14.3%
0%US$36.00US$36.00US$43.261
Dec ’22US$32.00
US$36.00
+12.5%
0%US$36.00US$36.00US$44.751
Nov ’22US$33.67
US$36.00
+6.9%
0%US$36.00US$36.00US$46.051
Oct ’22US$29.12
US$30.00
+3.0%
0%US$30.00US$30.00US$37.551
Sep ’22US$26.62
US$29.00
+8.9%
0%US$29.00US$29.00US$36.901
Aug ’22US$24.13
US$29.00
+20.2%
0%US$29.00US$29.00US$36.411
Jul ’22US$23.81
US$29.00
+21.8%
0%US$29.00US$29.00US$33.711
Jun ’22US$25.34
US$29.00
+14.4%
0%US$29.00US$29.00US$38.501
May ’22US$22.95
US$29.00
+26.4%
0%US$29.00US$29.00US$36.001
Apr ’22US$23.34
US$29.00
+24.3%
0%US$29.00US$29.00US$33.131
Mar ’22US$22.78
US$29.00
+27.3%
0%US$29.00US$29.00US$31.811
Feb ’22US$21.76
US$29.00
+33.3%
0%US$29.00US$29.00US$34.051
Jan ’22US$19.19
US$24.00
+25.1%
0%US$24.00US$24.00US$31.501

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.


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