Stock AnalizEsquire Financial Holdings, Inc. ESQ
Commercial Banks · IPO 2017 · data as of November 13, 2026
Esquire Financial Holdings, Inc. (ESQ) is a financial company listed in the US with a market value of about $1.6B. In the twelve months to September 30, 2026 it had revenue of $183M and net income of $56M, a net margin of 30.6%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is track record (4/5); the weakest is value (2/5).
Key numbers: a P/E of 21.9, a price to free cash flow of 25.4, 5-year revenue growth of 23% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 21% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $183M | $147M | $125M | $114M | $84M | $65M | $52M | $46M | $36M | $25M | $20M |
| Net income | $56M | $51M | $44M | $41M | $29M | $18M | $13M | $14M | $9M | $4M | $3M |
| Free cash flow | $63M | $57M | $41M | $42M | $39M | $29M | $15M | $16M | $10M | $4M | $4M |
| EPS (diluted) | $6.01 | $5.87 | $5.14 | $4.91 | $3.47 | $2.26 | $1.65 | $1.82 | $1.13 | $0.58 | $0.55 |
| Net margin | 30.6% | 34.7% | 35.0% | 36.1% | 33.8% | 27.7% | 24.2% | 30.8% | 24.5% | 14.4% | 14.3% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $142.67, 8% above the current price; targets range from $135.00 to $150.00; the consensus rating is “none”; expected EPS is $7.51 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Esquire Financial’s P/E ratio?
About 21.9, based on the last twelve months of diluted earnings per share (forward P/E about 15.0).
Is Esquire Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 21% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Esquire Financial pay a dividend?
Yes. The dividend yield is about 0.61%, and it has paid dividends for 4 years in our data.
Is Esquire Financial a good stock to buy?
We do not give buy or sell advice. Esquire Financial scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.