ESQ Stock Overview

Operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. More details

ESQ fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	4/6
Financial Health	6/6
Dividends	1/6

Rewards

Trading at 52.6% below our estimate of its fair value

Earnings are forecast to grow 9.51% per year

Earnings grew by 15.7% over the past year

Risk Analysis

Significant insider selling over the past 3 months

Community vs My Fair Value

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Esquire Financial Holdings, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Esquire Financial Holdings
Historical stock prices
Current Share Price	US$88.64
52 Week High	US$92.50
52 Week Low	US$44.55
Beta	0.51
1 Month Change	11.96%
3 Month Change	8.23%
1 Year Change	85.05%
3 Year Change	143.85%
5 Year Change	421.11%
Change since IPO	481.25%

Recent updates

Esquire Financial Holdings, Inc. (NASDAQ:ESQ) Analysts Just Slashed This Year's Revenue Estimates By 11%

May 01

Esquire Financial Holdings (NASDAQ:ESQ) Is Increasing Its Dividend To $0.15

Feb 04

Here's Why We Think Esquire Financial Holdings (NASDAQ:ESQ) Might Deserve Your Attention Today

Mar 12

Esquire Financial Holdings declares $0.09 dividend

Jul 28

Here's Why I Think Esquire Financial Holdings (NASDAQ:ESQ) Might Deserve Your Attention Today

Jun 14

Shareholder Returns

	ESQ	US Banks	US Market
7D	-1.8%	-3.3%	-1.1%
1Y	85.1%	17.2%	9.1%

Return vs Industry: ESQ exceeded the US Banks industry which returned 19.7% over the past year.

Return vs Market: ESQ exceeded the US Market which returned 11.1% over the past year.

Price Volatility

Is ESQ's price volatile compared to industry and market?
ESQ volatility
ESQ Average Weekly Movement	4.1%
Banks Industry Average Movement	4.7%
Market Average Movement	8.1%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	4.1%

Stable Share Price: ESQ has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: ESQ's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	138	Andrew Sagliocca	www.esquirebank.com

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan.

Esquire Financial Holdings, Inc. Fundamentals Summary

How do Esquire Financial Holdings's earnings and revenue compare to its market cap?
ESQ fundamental statistics
Market cap	US$735.68m
Earnings (TTM)	US$45.01m
Revenue (TTM)	US$124.13m

15.8x

P/E Ratio

2.8x

P/B Ratio

Is ESQ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ESQ income statement (TTM)
Revenue	US$124.13m
Cost of Revenue	US$0
Gross Profit	US$124.13m
Other Expenses	US$79.13m
Earnings	US$45.01m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	5.61
Gross Margin	100.00%
Net Profit Margin	36.26%
Debt/Equity Ratio	0%

How did ESQ perform over the long term?

See historical performance and comparison

Dividends

0.8%

Current Dividend Yield

11%

Payout Ratio

Does ESQ pay a reliable dividends?

See ESQ dividend history and benchmarks

When do you need to buy ESQ by to receive an upcoming dividend?
Esquire Financial Holdings dividend dates
Ex Dividend Date	May 15 2025
Dividend Pay Date	Jun 02 2025
Days until Ex dividend	8 days
Days until Dividend pay date	10 days

Does ESQ pay a reliable dividends?

See ESQ dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/21 13:53
End of Day Share Price	2025/05/21 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Esquire Financial Holdings, Inc. is covered by 4 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Timothy Switzer	Keefe, Bruyette, & Woods
Justin Crowley	Piper Sandler Companies
David Feaster	Raymond James & Associates

ESQ Stock Overview

Rewards

Risk Analysis

Esquire Financial Holdings, Inc. Competitors

Northeast Bank

Southern BancShares (N.C.)

Old Second Bancorp

Business First Bancshares

Price History & Performance

Recent News & Updates

Esquire Financial Holdings, Inc. (NASDAQ:ESQ) Analysts Just Slashed This Year's Revenue Estimates By 11%

Esquire Financial Holdings, Inc., Annual General Meeting, May 29, 2025

Founder recently sold US$1.7m worth of stock

Price target increased by 7.1% to US$95.00

First quarter dividend of US$0.17 announced

First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behind

Recent updates

Esquire Financial Holdings, Inc. (NASDAQ:ESQ) Analysts Just Slashed This Year's Revenue Estimates By 11%

Esquire Financial Holdings, Inc., Annual General Meeting, May 29, 2025

Founder recently sold US$1.7m worth of stock

Price target increased by 7.1% to US$95.00

First quarter dividend of US$0.17 announced

First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behind

Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 2, 2025

Independent Director exercised options to buy US$1.9m worth of stock.

Full year 2024 earnings: Revenues and EPS in line with analyst expectations

Independent Director recently sold US$1.6m worth of stock

Independent Director recently sold US$124k worth of stock

Independent Director notifies of intention to sell stock

Fourth quarter dividend increased to US$0.17

Esquire Financial Holdings, Inc. Increases Quarterly Dividend, Payable on March 3, 2025

Consensus revenue estimates increase by 16%

Full year 2024 earnings: Revenues and EPS in line with analyst expectations

Vice Chairman exercised options to buy US$2.1m worth of stock.

Price target increased by 11% to US$85.00

Independent Director recently sold US$156k worth of stock

Price target increased by 8.1% to US$80.00

Price target increased by 8.6% to US$77.50

Independent Director recently sold US$614k worth of stock

Vice Chairman exercised options to buy US$1.7m worth of stock.

Third quarter dividend of US$0.15 announced

Esquire Financial Holdings, Inc. Announces Regular Quarterly Dividend, Payable on December 2, 2024

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

Independent Director exercised options to buy US$582k worth of stock.

Insider exercised options and sold US$99k worth of stock

Price target increased by 8.7% to US$66.33

Second quarter dividend of US$0.15 announced

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on September 3, 2024

Investor sentiment improves as stock rises 17%

Independent Director recently sold US$115k worth of stock

Independent Director recently sold US$715k worth of stock

First quarter dividend of US$0.15 announced

Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend for Common Stockholders, Payable on June 3, 2024

First quarter 2024 earnings released: EPS: US$1.29 (vs US$1.58 in 1Q 2023)

Esquire Financial Holdings, Inc., Annual General Meeting, May 30, 2024

Full year 2023 earnings: Revenues and EPS in line with analyst expectations

New minor risk - Insider selling

Independent Director recently sold US$1.1m worth of stock

Upcoming dividend of US$0.15 per share at 1.2% yield

Esquire Financial Holdings (NASDAQ:ESQ) Is Increasing Its Dividend To $0.15

Fourth quarter dividend of US$0.15 announced

Esquire Financial Holdings, Inc. Increases Quarterly Dividend for Common Stockholders, Payable on March 1, 2024

Price target increased by 7.4% to US$63.00

Full year 2023 earnings: Revenues and EPS in line with analyst expectations

Price target increased by 7.6% to US$58.67

Esquire Financial Holdings, Inc. and Esquire Bank, National Association Appoint Rena Nigam as Board Member

Independent Director recently sold US$325k worth of stock

Upcoming dividend of US$0.13 per share at 1.1% yield

Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend, Payable on December 1, 2023

Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

Independent Director recently sold US$237k worth of stock

Esquire Financial Holdings, Inc. Announces Appointment of Gary Lax as Its Senior Vice President, Chief Legal Officer, and Corporate Secretary

Independent Director recently sold US$239k worth of stock

Upcoming dividend of US$0.13 per share at 1.0% yield

Esquire Financial Holdings, Inc. Declares Quarterly Cash Dividend, Payable on September 1, 2023

Second quarter 2023 earnings: EPS and revenues exceed analyst expectations

Esquire Financial Holdings, Inc. Announces Executive Appointments

Independent Director recently sold US$846k worth of stock

Price target increased by 9.4% to US$58.00