Historical Valuation
Esquire Financial Holdings Inc (ESQ) is now in the Overvalued zone, suggesting that its current forward PE ratio of 16.38 is considered Overvalued compared with the five-year average of 11.42. The fair price of Esquire Financial Holdings Inc (ESQ) is between 64.72 to 91.30 according to relative valuation methord. Compared to the current price of 110.73 USD , Esquire Financial Holdings Inc is Overvalued By 21.28%.
Relative Value
Fair Zone
64.72-91.30
Current Price：110.73
21.28%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Esquire Financial Holdings Inc (ESQ) has a current Price-to-Book (P/B) ratio of 2.95. Compared to its 3-year average P/B ratio of 2.29 , the current P/B ratio is approximately 28.68% higher. Relative to its 5-year average P/B ratio of 2.06, the current P/B ratio is about 43.12% higher. Esquire Financial Holdings Inc (ESQ) has a Forward Free Cash Flow (FCF) yield of approximately 6.30%. Compared to its 3-year average FCF yield of 8.59%, the current FCF yield is approximately -26.65% lower. Relative to its 5-year average FCF yield of 9.28% , the current FCF yield is about -32.07% lower.
P/B
Median3y
2.29
Median5y
2.06
FCF Yield
Median3y
8.59
Median5y
9.28
Competitors Valuation Multiple
AI Analysis for ESQ
The average P/S ratio for ESQ competitors is 3.03, providing a benchmark for relative valuation. Esquire Financial Holdings Inc Corp (ESQ.O) exhibits a P/S ratio of 6.26, which is 106.57% above the industry average. Given its robust revenue growth of 17.34%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for ESQ
1Y
3Y
5Y
Market capitalization of ESQ increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of ESQ in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is ESQ currently overvalued or undervalued?
Esquire Financial Holdings Inc (ESQ) is now in the Overvalued zone, suggesting that its current forward PE ratio of 16.38 is considered Overvalued compared with the five-year average of 11.42. The fair price of Esquire Financial Holdings Inc (ESQ) is between 64.72 to 91.30 according to relative valuation methord. Compared to the current price of 110.73 USD , Esquire Financial Holdings Inc is Overvalued By 21.28% .
What is Esquire Financial Holdings Inc (ESQ) fair value?
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. The fair price of Esquire Financial Holdings Inc (ESQ) is between 64.72 to 91.30 according to relative valuation methord.
How does ESQ's valuation metrics compare to the industry average?
The average P/S ratio for ESQ's competitors is 3.03, providing a benchmark for relative valuation. Esquire Financial Holdings Inc Corp (ESQ) exhibits a P/S ratio of 6.26, which is 106.57% above the industry average. Given its robust revenue growth of 17.34%, this premium appears unsustainable.
What is the current P/B ratio for Esquire Financial Holdings Inc (ESQ) as of Jan 09 2026?
As of Jan 09 2026, Esquire Financial Holdings Inc (ESQ) has a P/B ratio of 2.95. This indicates that the market values ESQ at 2.95 times its book value.
What is the current FCF Yield for Esquire Financial Holdings Inc (ESQ) as of Jan 09 2026?
As of Jan 09 2026, Esquire Financial Holdings Inc (ESQ) has a FCF Yield of 6.30%. This means that for every dollar of Esquire Financial Holdings Inc’s market capitalization, the company generates 6.30 cents in free cash flow.
What is the current Forward P/E ratio for Esquire Financial Holdings Inc (ESQ) as of Jan 09 2026?
As of Jan 09 2026, Esquire Financial Holdings Inc (ESQ) has a Forward P/E ratio of 16.38. This means the market is willing to pay $16.38 for every dollar of Esquire Financial Holdings Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Esquire Financial Holdings Inc (ESQ) as of Jan 09 2026?
As of Jan 09 2026, Esquire Financial Holdings Inc (ESQ) has a Forward P/S ratio of 6.26. This means the market is valuing ESQ at $6.26 for every dollar of expected revenue over the next 12 months.