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ESQ Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
101.915
Open
98.900
VWAP
99.98
Vol
65.96K
Mkt Cap
855.75M
Low
97.960
Amount
6.59M
EV/EBITDA(TTM)
9.14
Total Shares
8.55M
EV
607.98M
EV/OCF(TTM)
--
P/S(TTM)
6.03
Esquire Financial Holdings, Inc. is a financial holding company, which operates through its subsidiary, Esquire Bank, National Association (the Bank). The Bank is a full-service commercial bank dedicated to serving the financial needs of the legal and small business communities on a national basis, as well as commercial and retail customers in the New York metropolitan market. It offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners, both on a national basis. The Bank also offers traditional banking products for businesses and consumers in its local market area. Its products offered to businesses and consumers include checking, savings, money market, and time deposits, a wide range of commercial and consumer loans, as well as customary banking services. The Bank operates a payment processing platform through third-party Independent Sales Organizations (ISOs).
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Events Timeline

(ET)
2026-02-02
16:40:00
Esquire Financial Increases Quarterly Dividend by 14% to $0.20
select
2026-01-22 (ET)
2026-01-22
08:40:00
Company Reports Q4 NII of $33.3M
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2025-10-23 (ET)
2025-10-23
08:33:57
Esquire Financial announces Q3 adjusted EPS of $1.47, matching consensus expectations.
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2025-08-08 (ET)
2025-08-08
08:31:35
Esquire Financial executes new headquarters lease in Jericho, New York
select
2025-07-24 (ET)
2025-07-24
08:33:03
Esquire Financial reports Q2 EPS $1.38, consensus $1.38
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2025-06-09 (ET)
2025-06-09
08:38:27
Esquire Financial appoints Kelly as board member
select

News

PRnewswire
8.0
02-02PRnewswire
Esquire Financial Holdings Increases Quarterly Dividend by 14%
  • Dividend Increase: Esquire Financial Holdings announced a 14% increase in its quarterly dividend to $0.20 per share, payable on March 2, 2026, reflecting the company's strong financial position and confidence in its long-term outlook.
  • Consistent Growth: This adjustment marks the fifth consecutive dividend increase since initiating dividends in 2022, demonstrating the company's commitment to delivering stable returns to shareholders and enhancing investor confidence.
  • Market Positioning: Esquire Bank focuses on providing tailored financial solutions to the litigation industry and small businesses, covering the New York metropolitan area and national markets, further solidifying its competitive advantage in niche markets.
  • Management Confidence: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's robust balance sheet, indicating management's confidence in future growth, which may attract more investor interest.
Newsfilter
8.0
02-02Newsfilter
Esquire Financial Increases Quarterly Dividend by 14%
  • Dividend Increase: Esquire Financial Holdings announced a 14% increase in its quarterly dividend to $0.20 per share, payable on March 2, 2026, reflecting the company's strong financial position and confidence in its long-term outlook.
  • Consistent Growth: This dividend adjustment marks the fifth consecutive increase since initiating dividends in 2022, demonstrating the company's commitment to providing stable returns to shareholders and enhancing investor confidence.
  • Market Positioning: Esquire Bank focuses on providing tailored financial and payment processing solutions to the litigation industry and small businesses, further solidifying its market position in the New York metropolitan area to meet diverse client needs.
  • Strategic Vision: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's confidence in future growth, aiming to attract more investors through sustained financial health and shareholder value creation.
PRnewswire
9.5
01-22PRnewswire
Esquire Financial Reports $50.8M Net Income for 2025 with Significant Loan Growth
  • Net Income Growth: Esquire Financial's net income for 2025 reached $50.8 million, with diluted earnings per share at $5.87, significantly up from $43.7 million and $5.14 in 2024, reflecting the company's strong performance and profitability in complex markets.
  • Significant Loan and Deposit Growth: As of December 31, 2025, total loans increased to $1.76 billion, a 25.9% rise, with litigation-related loans growing by 41.0%, while total deposits also rose by 25.6% to $2.06 billion, indicating strong demand and client trust in the company.
  • Interest Income Enhancement: Net interest income for 2025 increased by $21.6 million to $121.5 million, primarily driven by growth in average interest-earning assets and improved loan yields, demonstrating the company's ongoing optimization in interest income and market competitiveness.
  • Cost Control and Efficiency Improvement: Although non-interest expenses rose to $71.2 million, a 17.1% increase, the company's efficiency ratio remained at 48.6%, indicating effective cost management while expanding operations and enhancing overall operational efficiency.
Newsfilter
9.5
01-22Newsfilter
Esquire Financial Reports 16.4% Net Income Growth to $50.8 Million in 2025
  • Net Income Growth: Esquire Financial's net income increased by 16.4% to $50.8 million in 2025, despite a $5 million rise in credit loss provisions, demonstrating the company's resilience and profitability in a complex economic environment.
  • Significant Loan and Deposit Growth: In 2025, commercial litigation-related loans grew by $342.5 million, driving total loans up by 25.9% to $1.76 billion, while core deposits increased by $428.7 million, reflecting strong market demand and customer trust in the company.
  • Interest Income Enhancement: Net interest income rose by 21.6% to $121.5 million in 2025, primarily due to a 22.4% increase in average interest-earning assets, showcasing the company's adaptability and profitability strategies amid changing interest rate environments.
  • Operational Efficiency: Despite a 21.5% increase in non-interest expenses to $19.1 million, Esquire Financial maintained an efficiency ratio of 48.4%, indicating a successful balance between ongoing investments and cost control.
PRnewswire
4.0
2025-12-10PRnewswire
Esquire Financial Holdings Named to Piper Sandler's 2025 Sm-All Stars List
  • Industry Recognition: Esquire Financial Holdings has been named to Piper Sandler's 2025 Sm-All Stars list, being one of only 24 institutions out of 316 publicly traded banks to achieve this elite status, highlighting its exceptional performance in growth, profitability, and asset quality.
  • Outstanding Performance: The company outperformed industry medians on key financial metrics, demonstrating strong capabilities in earnings, loan and deposit growth, return on equity, and asset quality, which further solidifies its leading position among small-cap banks.
  • Ongoing Honors: This marks Esquire's third consecutive year on the Sm-All Stars list, indicating its consistent top-tier performance in the small bank sector, reflecting a robust business model and effective risk management.
  • Market Positioning: With a market capitalization between $50 million and $2.5 billion, Esquire represents the top 10% of publicly held financial institutions in the U.S., showcasing its competitive edge and market influence in the small banking sector.
NASDAQ.COM
4.0
2025-11-25NASDAQ.COM
Everything You Should Know About Esquire Financial's (ESQ) Upgrade to Buy Rating
  • Zacks Rank Upgrade: Esquire Financial Holdings, Inc. (ESQ) has been upgraded to a Zacks Rank #2 (Buy), indicating a positive outlook on its earnings estimates, which are crucial for stock price movements.

  • Earnings Estimate Revisions: The Zacks Consensus Estimate for Esquire Financial has increased by 4.8% over the past three months, reflecting a favorable change in the company's earnings potential.

  • Correlation with Stock Movements: There is a strong correlation between earnings estimate revisions and near-term stock price movements, suggesting that tracking these revisions can be beneficial for investment decisions.

  • Zacks Rating System: The Zacks rating system maintains a balanced approach to stock ratings, with only the top 20% of stocks receiving a "Buy" or "Strong Buy" rating, positioning Esquire Financial as a solid candidate for potential market-beating returns.

Wall Street analysts forecast ESQ stock price to rise
2 Analyst Rating
Wall Street analysts forecast ESQ stock price to rise
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
115.00
Averages
115.50
High
116.00
Current: 0.000
sliders
Low
115.00
Averages
115.50
High
116.00
Keefe Bruyette
Market Perform
maintain
$115 -> $120
AI Analysis
2026-01-23
Reason
Keefe Bruyette
Price Target
$115 -> $120
AI Analysis
2026-01-23
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Esquire Financial to $120 from $115 and keeps a Market Perform rating on the shares.
Piper Sandler
Overweight
maintain
$113 -> $116
2025-10-29
Reason
Piper Sandler
Price Target
$113 -> $116
2025-10-29
maintain
Overweight
Reason
Piper Sandler raised the firm's price target on Esquire Financial to $116 from $113 and keeps an Overweight rating on the shares following quarterly results. The firm continues to really like the story at Esquire as one of the more unique names in the space. Piper gets some push-back on the stock's multiple considering down rates and EPS growth that's down from a once blistering pace in years like 2022/2023, but continues to believe hitching your wagon to a bank that can reliably deliver mid-to-high teens ROTCEs and TBVPS growth with plenty of growth runway will result in outperformance.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for ESQ
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Valuation Metrics

The current forward P/E ratio for Esquire Financial Holdings Inc (ESQ.O) is 16.38, compared to its 5-year average forward P/E of 11.43. For a more detailed relative valuation and DCF analysis to assess Esquire Financial Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
11.43
Current PE
16.38
Overvalued PE
13.92
Undervalued PE
8.93

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
4.52
Current PS
6.26
Overvalued PS
5.40
Undervalued PS
3.63

Financials

AI Analysis
Annual
Quarterly

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Whales Holding ESQ

B
Basswood Capital Management, L.L.C.
Holding
ESQ
-8.07%
3M Return

Trading Trends

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Frequently Asked Questions

What is Esquire Financial Holdings Inc (ESQ) stock price today?

The current price of ESQ is 100.06 USD — it has increased 1.41

What is Esquire Financial Holdings Inc (ESQ)'s business?

Esquire Financial Holdings, Inc. is a financial holding company, which operates through its subsidiary, Esquire Bank, National Association (the Bank). The Bank is a full-service commercial bank dedicated to serving the financial needs of the legal and small business communities on a national basis, as well as commercial and retail customers in the New York metropolitan market. It offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners, both on a national basis. The Bank also offers traditional banking products for businesses and consumers in its local market area. Its products offered to businesses and consumers include checking, savings, money market, and time deposits, a wide range of commercial and consumer loans, as well as customary banking services. The Bank operates a payment processing platform through third-party Independent Sales Organizations (ISOs).

What is the price predicton of ESQ Stock?

Wall Street analysts forecast ESQ stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ESQ is115.50 USD with a low forecast of 115.00 USD and a high forecast of 116.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Esquire Financial Holdings Inc (ESQ)'s revenue for the last quarter?

Esquire Financial Holdings Inc revenue for the last quarter amounts to 38.41M USD, increased 20.12

What is Esquire Financial Holdings Inc (ESQ)'s earnings per share (EPS) for the last quarter?

Esquire Financial Holdings Inc. EPS for the last quarter amounts to 1.55 USD, increased 13.97

How many employees does Esquire Financial Holdings Inc (ESQ). have?

Esquire Financial Holdings Inc (ESQ) has 138 emplpoyees as of March 11 2026.

What is Esquire Financial Holdings Inc (ESQ) market cap?

Today ESQ has the market capitalization of 855.75M USD.