ESQ Valuation

Esquire Financial Holdings Inc

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94.670

+0.87(0.928%)1D

ESQ Relative Valuation

ESQ's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, ESQ is overvalued; if below, it's undervalued.

Historical Valuation

Esquire Financial Holdings Inc (ESQ) is now in the Overvalued zone, suggesting that its current forward PE ratio of 15.17 is considered Overvalued compared with the five-year average of 11.15. The fair price of Esquire Financial Holdings Inc (ESQ) is between 57.65 to 80.90 according to relative valuation methord. Compared to the current price of 94.67 USD , Esquire Financial Holdings Inc is Overvalued By 17.03%.

Relative Value

Fair Zone

57.65-80.90

Current Price：94.67

17.03%

Overvalued

15.17

Trailing

Forward

0.00

EV/EBITDA

Esquire Financial Holdings Inc. (ESQ) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Esquire Financial Holdings Inc. (ESQ) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

93.80

Esquire Financial Holdings Inc. (ESQ) has a current PS of 93.80. The 5-year average PS is 4.67. The thresholds are as follows: Strongly Undervalued below -5.81, Undervalued between -5.81 and -0.57, Fairly Valued between 9.91 and -0.57, Overvalued between 9.91 and 15.14, and Strongly Overvalued above 15.14. The current Forward PS of 93.80 falls within the Strongly Overvalued range.

0.00

P/OCF

Esquire Financial Holdings Inc. (ESQ) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Esquire Financial Holdings Inc. (ESQ) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Esquire Financial Holdings Inc (ESQ) has a current Price-to-Book (P/B) ratio of 2.73. Compared to its 3-year average P/B ratio of 2.25 , the current P/B ratio is approximately 21.05% higher. Relative to its 5-year average P/B ratio of 2.00, the current P/B ratio is about 36.49% higher. Esquire Financial Holdings Inc (ESQ) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 8.74%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.47% , the current FCF yield is about -100.00% lower.

2.73

P/B

Median3y

2.25

Median5y

2.00

0.00

FCF Yield

Median3y

8.74

Median5y

9.47

Competitors Valuation Multiple

The average P/S ratio for ESQ's competitors is 42.45, providing a benchmark for relative valuation. Esquire Financial Holdings Inc Corp (ESQ) exhibits a P/S ratio of 93.80, which is 120.95% above the industry average. Given its robust revenue growth of 17.34%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

ESQ.O

Esquire Financial Holdings Inc

Old Second Bancorp Inc

Firstsun Capital Bancorp

Performance Decomposition

Market capitalization of ESQ increased by 21.86% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 31.03M to 36.41M.

The secondary factor is the Margin Expansion, contributed 5.46%to the performance.

Overall, the performance of ESQ in the past 1 year is driven by Revenue Growth. Which is more sustainable.

17.34%

31.03M → 36.41M

Revenue Growth

5.46%

36.61 → 38.61

Margin Expansion

-0.94%

16.68 → 16.52

P/E Change

21.86%