Esquire Financial Holdings, Inc.

NasdaqCM:ESQ Stock Report

Market Cap: US$604.5m

Esquire Financial Holdings Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 ($78.5) is trading below our estimate of fair value ($186.93)

Significantly Below Fair Value: ESQ is trading below fair value by more than 20%.

Key Valuation Metric

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

Key metric: As ESQ is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ESQ. This is calculated by dividing ESQ's market cap by their current earnings.
What is ESQ's PE Ratio?
PE Ratio14.7x
EarningsUS$41.79m
Market CapUS$604.55m

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.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.3x
SHBI Shore Bancshares
13.3x16.0%US$549.2m
TCBX Third Coast Bancshares
12.5x10.7%US$492.4m
SBNC Southern BancShares (N.C.)
5.3xn/aUS$551.2m
OSBC Old Second Bancorp
10x-1.1%US$838.3m
ESQ Esquire Financial Holdings
14.7x9.9%US$604.5m

Price-To-Earnings vs Peers: ESQ is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the peer average (10.3x).

Price to Earnings Ratio vs Industry

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

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
ESQ 14.7xIndustry Avg. 13.3xNo. of Companies94PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ESQ is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the US Banks industry average (13.3x).

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 Ratio14.7x
Fair PE Ratio12.9x

Price-To-Earnings vs Fair Ratio: ESQ is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the estimated Fair Price-To-Earnings Ratio (12.9x).

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$78.50
US$73.50
-6.4%
2.0%US$75.00US$72.00n/a2
Nov ’25US$66.49
US$73.50
+10.5%
2.0%US$75.00US$72.00n/a2
Oct ’25US$62.60
US$71.33
+14.0%
1.3%US$72.00US$70.00n/a3
Sep ’25US$61.53
US$69.33
+12.7%
1.4%US$70.00US$68.00n/a3
Aug ’25US$59.41
US$69.33
+16.7%
1.4%US$70.00US$68.00n/a3
Jul ’25US$47.10
US$61.00
+29.5%
1.3%US$62.00US$60.00n/a3
Jun ’25US$45.77
US$61.00
+33.3%
1.3%US$62.00US$60.00n/a3
May ’25US$47.63
US$61.00
+28.1%
1.3%US$62.00US$60.00n/a3
Apr ’25US$47.73
US$61.67
+29.2%
3.8%US$65.00US$60.00n/a3
Mar ’25US$50.17
US$63.00
+25.6%
3.4%US$65.00US$60.00n/a3
Feb ’25US$50.26
US$63.00
+25.3%
3.4%US$65.00US$60.00n/a3
Jul ’24US$45.74
US$55.00
+20.2%
1.8%US$56.00US$54.00US$47.102
Mar ’24US$46.13
US$55.50
+20.3%
4.5%US$58.00US$53.00US$50.172
Feb ’24US$46.02
US$53.00
+15.2%
9.4%US$58.00US$48.00US$50.262
Jan ’24US$43.26
US$50.50
+16.7%
5.0%US$53.00US$48.00US$49.962
Dec ’23US$44.75
US$50.00
+11.7%
6.0%US$53.00US$47.00US$47.812
Nov ’23US$46.05
US$50.00
+8.6%
6.0%US$53.00US$47.00US$45.602

Analyst Forecast: Target price is lower than the current share price.

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