Esquire Financial Holdings Stock Analysis

ESQ Stock  USD 107.20  0.17  0.16%   
Esquire Financial Holdings is fairly valued with Real Value of 103.6 and Target Price of 115.5. The main objective of Esquire Financial stock analysis is to determine its intrinsic value, which is an estimate of what Esquire Financial Holdings is worth, separate from its market price. There are two main types of Esquire Financial's stock analysis: fundamental analysis and technical analysis.
The Esquire Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Esquire Financial is usually not traded on Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day. Esquire Stock trading window is adjusted to America/New York timezone.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Esquire Financial Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

Esquire Stock Analysis Notes

About 17.0% of the company shares are held by company insiders. The book value of Esquire Financial was currently reported as 34.39. The company recorded earning per share (EPS) of 5.68. Esquire Financial last dividend was issued on the 14th of November 2025. Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York. Esquire Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 110 people. To learn more about Esquire Financial Holdings call Andrew Sagliocca at 516 535 2002 or check out https://www.esquirebank.com.

Esquire Financial Quarterly Total Revenue

42.36 Million

Esquire Financial Investment Alerts

About 69.0% of the company shares are held by institutions such as insurance companies
On 1st of December 2025 Esquire Financial paid $ 0.18 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Dime Community Bancshares Assessing Valuation After a Recent 10 percent Share Price Rebound

Esquire Financial Upcoming and Recent Events

23rd of April 2024
Upcoming Quarterly Report
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23rd of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
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23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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Esquire Largest EPS Surprises

Earnings surprises can significantly impact Esquire Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2023-01-25
2022-12-310.991.10.1111 
2020-07-24
2020-06-300.440.33-0.1125 
2020-04-24
2020-03-310.480.33-0.1531 
View All Earnings Estimates

Esquire Financial Environmental, Social, and Governance (ESG) Scores

Esquire Financial's ESG score is a quantitative measure that evaluates Esquire Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Esquire Financial's operations that may have significant financial implications and affect Esquire Financial's stock price as well as guide investors towards more socially responsible investments.

Esquire Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Dimensional Fund Advisors, Inc.2025-06-30
193.2 K
Royce & Associates, Lp2025-06-30
143.6 K
Bank Of America Corp2025-06-30
107.7 K
Gator Capital Management, Llc2025-06-30
93.1 K
Northern Trust Corp2025-06-30
89.3 K
Royal Bank Of Canada2025-06-30
89.1 K
Alliancebernstein L.p.2025-06-30
81.4 K
First Manhattan Co. Llc2025-06-30
55.7 K
Acadian Asset Management Llc2025-06-30
49.4 K
Mawer Investment Management Ltd2025-06-30
775.9 K
Blackrock Inc2025-06-30
534.6 K
Note, although Esquire Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Esquire Market Capitalization

The company currently falls under 'Small-Cap' category with a total capitalization of 918.22 M.

Esquire Profitablity

The company has Net Profit Margin of 0.37 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.5 %, which entails that for every 100 dollars of revenue, it generated $0.5 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.02 
Return On Capital Employed 0.24  0.25 
Return On Assets 0.02  0.02 
Return On Equity 0.18  0.19 

Management Efficiency

Esquire Financial has Return on Asset of 0.0248 % which means that on every $100 spent on assets, it made $0.0248 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1919 %, implying that it generated $0.1919 on every 100 dollars invested. Esquire Financial's management efficiency ratios could be used to measure how well Esquire Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of 12/14/2025, Return On Tangible Assets is likely to grow to 0.02. Also, Return On Capital Employed is likely to grow to 0.25. At this time, Esquire Financial's Total Current Liabilities is relatively stable compared to the past year. As of 12/14/2025, Change To Liabilities is likely to grow to about 3.2 M, while Liabilities And Stockholders Equity is likely to drop slightly above 1 B.
Last ReportedProjected for Next Year
Book Value Per Share 30.33  31.84 
Tangible Book Value Per Share 29.80  31.29 
Enterprise Value Over EBITDA 7.91  10.90 
Price Book Value Ratio 2.62  1.38 
Enterprise Value Multiple 7.91  10.90 
Price Fair Value 2.62  1.38 
Enterprise Value77.5 M66.5 M
Leadership at Esquire Financial emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Dividend Yield
0.0063
Operating Margin
0.4954
Profit Margin
0.3728
Forward Dividend Yield
0.0065
Beta
0.424

Technical Drivers

As of the 14th of December 2025, Esquire Financial shows the Mean Deviation of 1.32, downside deviation of 1.94, and Coefficient Of Variation of 1116.94. Esquire Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

Esquire Financial Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Mid-point over period is an average of Esquire Financial highest and lowest values attained during the given period.

Esquire Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Esquire Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Esquire Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Esquire Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Esquire Financial Outstanding Bonds

Esquire Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Esquire Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Esquire bonds can be classified according to their maturity, which is the date when Esquire Financial Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Esquire Financial Predictive Daily Indicators

Esquire Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Esquire Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Esquire Financial Corporate Filings

F4
11th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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10Q
7th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
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8K
30th of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
23rd of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
27th of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
26th of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
14th of August 2025
Other Reports
ViewVerify
8K
8th of August 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Esquire Financial Forecast Models

Esquire Financial's time-series forecasting models are one of many Esquire Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Esquire Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Esquire Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Esquire Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Esquire shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Esquire Financial. By using and applying Esquire Stock analysis, traders can create a robust methodology for identifying Esquire entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.43  0.25 
Operating Profit Margin 0.43  0.25 
Net Profit Margin 0.32  0.18 
Gross Profit Margin 0.87  1.00 

Current Esquire Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Esquire analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Esquire analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
115.5Buy3Odds
Esquire Financial Holdings current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Esquire analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Esquire stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Esquire Financial, talking to its executives and customers, or listening to Esquire conference calls.
Esquire Analyst Advice Details

Esquire Stock Analysis Indicators

Esquire Financial Holdings stock analysis indicators help investors evaluate how Esquire Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Esquire Financial shares will generate the highest return on investment. By understating and applying Esquire Financial stock analysis, traders can identify Esquire Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow165.2 M
Common Stock Shares Outstanding8.5 M
Total Stockholder Equity237.1 M
Total Cashflows From Investing Activities-308.3 M
Tax Provision15.6 M
Quarterly Earnings Growth Y O Y0.209
Property Plant And Equipment Net2.4 M
Cash And Short Term Investments368.1 M
Cash126.3 M
Net Debt-126.3 M
50 Day M A100.2539
Total Current Liabilities1.6 B
Other Operating Expenses79 M
Non Current Assets Total1.5 B
Non Currrent Assets Other54 M
Stock Based Compensation3.8 M

Additional Tools for Esquire Stock Analysis

When running Esquire Financial's price analysis, check to measure Esquire Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Esquire Financial is operating at the current time. Most of Esquire Financial's value examination focuses on studying past and present price action to predict the probability of Esquire Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Esquire Financial's price. Additionally, you may evaluate how the addition of Esquire Financial to your portfolios can decrease your overall portfolio volatility.