ESQ PE Ratio & Valuation,Is ESQ Overvalued

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 17.08 is considered Overvalued compared with the five-year average of 11.36. The fair price of Esquire Financial Holdings Inc (ESQ) is between 60.01 to 83.93 according to relative valuation methord. Compared to the current price of 105.83 USD , Esquire Financial Holdings Inc is Overvalued By 26.1%.

Relative Value

Fair Zone

60.01-83.93

Current Price：105.83

26.1%

Overvalued

17.08

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.

6.63

Esquire Financial Holdings Inc. (ESQ) has a current PS of 6.63. The 5-year average PS is 4.47. The thresholds are as follows: Strongly Undervalued below 2.74, Undervalued between 2.74 and 3.61, Fairly Valued between 5.33 and 3.61, Overvalued between 5.33 and 6.20, and Strongly Overvalued above 6.20. The current Forward PS of 6.63 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 3.08. Compared to its 3-year average P/B ratio of 2.28 , the current P/B ratio is approximately 35.23% higher. Relative to its 5-year average P/B ratio of 2.04, the current P/B ratio is about 50.87% 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 8.68%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.34% , the current FCF yield is about -100.00% lower.

3.08

P/B

Median3y

2.28

Median5y

2.04

5.98

FCF Yield

Median3y

8.68

Median5y

9.34

Competitors Valuation Multiple

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 , which is -100% above the industry average. Given its robust revenue growth of 17.34%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of ESQ increased by 33.12% 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 P/E Change, contributed 10.32%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

10.32%

16.89 → 18.64

P/E Change

33.12%

79.50 → 105.83

Mkt Cap Growth

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Frequently Asked Questions

Is Esquire Financial Holdings Inc (ESQ) currently overvalued or undervalued?

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 60.01 to 83.93 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 , which is -100.00% 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 Dec 18 2025?

As of Dec 18 2025, Esquire Financial Holdings Inc (ESQ) has a P/B ratio of 3.08. This indicates that the market values ESQ at 3.08 times its book value.

What is the current FCF Yield for Esquire Financial Holdings Inc (ESQ) as of Dec 18 2025?

As of Dec 18 2025, Esquire Financial Holdings Inc (ESQ) has a FCF Yield of 0.00%. This means that for every dollar of Esquire Financial Holdings Inc’s market capitalization, the company generates 0.00 cents in free cash flow.

What is the current Forward P/E ratio for Esquire Financial Holdings Inc (ESQ) as of Dec 18 2025?

As of Dec 18 2025, Esquire Financial Holdings Inc (ESQ) has a Forward P/E ratio of 17.08. This means the market is willing to pay $17.08 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 Dec 18 2025?

As of Dec 18 2025, Esquire Financial Holdings Inc (ESQ) has a Forward P/S ratio of 0.00. This means the market is valuing ESQ at $0.00 for every dollar of expected revenue over the next 12 months.

ESQ Valuation

Overview

Forecast

Valuation

Earnings

ESQ Valuation

Overview

Forecast

Valuation

Earnings

ESQ Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Esquire Financial Holdings Inc (ESQ) currently overvalued or undervalued?

What is Esquire Financial Holdings Inc (ESQ) fair value?

How does ESQ's valuation metrics compare to the industry average?

What is the current P/B ratio for Esquire Financial Holdings Inc (ESQ) as of Dec 18 2025?

What is the current FCF Yield for Esquire Financial Holdings Inc (ESQ) as of Dec 18 2025?

What is the current Forward P/E ratio for Esquire Financial Holdings Inc (ESQ) as of Dec 18 2025?

What is the current Forward P/S ratio for Esquire Financial Holdings Inc (ESQ) as of Dec 18 2025?