Should I Buy ESQ? ESQ 2026 Analysis

Should You Buy Esquire Financial Holdings Inc (ESQ) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

109.540

1 Day change

4.24%

52 Week Range

134.810

Analysis Updated At

2026/01/28

BUY for a beginner long-term investor right now. ESQ just posted strong 2025/Q4 growth (revenue +20% YoY, EPS +14% YoY) and 2025 full-year momentum (net income +16% with loan growth +26%). The stock sold off ~3.9% in the regular session and is trading near key support (~104), which is a reasonable long-term entry for an impatient investor. The main offsetting risk is heavy insider selling and short-term bearish momentum (negative MACD), but fundamentals and analyst target revisions still lean positive.

Technical Analysis

Trend & momentum: Moving averages are still bullish (SMA_5 > SMA_20 > SMA_200), indicating the broader uptrend remains intact. However, the MACD histogram is negative (-0.0989) and expanding, signaling weakening near-term momentum after the recent drop. RSI: RSI_6 at ~37.9 is below mid-range (not oversold, but closer to “washed out” than “overheated”), suggesting selling pressure has been meaningful and a bounce is plausible. Levels: Pivot 107.985 (price below pivot = near-term bearish). Immediate support S1 ~104.054 (current ~104.38 is sitting right on it). Next support S2 ~101.626. Resistance levels: R1 111.915 and R2 114.344. Intellectia Proprietary Trading Signals **Intellectia Proprietary Trading Signals** - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Positive Catalysts

2025/Q4 financial growth: revenue +20.12% YoY, net income +14.59% YoY, EPS +13.97% YoY.
2025 full-year strength: net income $50.8M (+16.4%) and net interest income $121.5M (+21.6%).
Loan growth catalyst: total loans +25.9% to $1.76B, driven by commercial litigation-related lending.
Efficiency remained solid: 48.4% efficiency ratio for 2025 despite higher expenses.
Analyst price target raised (Keefe Bruyette to $120 from $115), implying meaningful upside from ~104.

Neutral/Negative Catalysts

Insiders are Selling: selling amount increased 513.64% over the last month (notable negative sentiment signal).
Credit risk creeping up: rising credit loss provisions mentioned alongside earnings.
Short-term technical weakness: negative and expanding MACD + price below pivot after a sharp -3.90% regular-session drop.
Hedge funds: neutral with no significant trend (no strong institutional tailwind signal).

Financial Performance

Latest quarter: 2025/Q4. Revenue was 38.406M (+20.12% YoY), net income 13.468M (+14.59% YoY), EPS 1.55 (+13.97% YoY). This shows continued profitable growth, with earnings rising alongside revenue (constructive for long-term holding). Context from 2025 full-year news: net interest income +21.6% and loans +25.9% indicate the growth is being supported by balance sheet expansion, though higher credit loss provisions are a watch item.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Most recent update (2026-01-23): Keefe Bruyette raised the price target to $120 (from $115) and maintained a Market Perform rating. Wall Street pro view (pros/cons): Pros—price target revision up, strong loan and net interest income growth, solid efficiency. Cons—rating still not a “Buy,” and insider selling plus higher credit loss provisions temper enthusiasm. Politicians/congress: No recent congress trading data available.

2 Analyst Rating

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 is 115.5 USD with a low forecast of 115 USD and a high forecast of 116 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.

1 Buy

1 Hold

0 Sell

Moderate Buy

Current: 105.080

Low

115

Averages

115.5

High

116

Current: 105.080

Low

115

Averages

115.5

High

116

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.

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ESQ Should I Buy

ESQ Should I Buy

Should You Buy Esquire Financial Holdings Inc (ESQ) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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