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Esquire Financial Holdings Inc (ESQ)

Esquire Financial Holdings, Inc. is a bank holding company for Esquire Bank, National Association, a U.S. commercial bank serving legal professionals, small businesses, and commercial and retail customers. Through its banking platform, the company provides deposit products including checking, savings, money market, time deposits, and certificates of deposit, along with a range of lending activities. Its credit offerings include commercial loans for working capital and other operating needs, commercial lines of credit, consumer loans, and real estate loans covering multifamily, residential, commercial real estate, and construction purposes. Esquire also provides cash management, cash sweep, online and mobile banking, individual retirement accounts, payment processing, ACH and administrative services, and banking solutions tailored to law firms. Founded in 2006, the company is headquartered in Jericho, New York.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-ESQ
$91.11
-24.7% Downside
Overvalued
$130
7.4% Upside
Fair
Great
0.7%
October 26, 2026
27.2x
4.6x
9.6x
1.421 B
0.2%
88.5%
-1.2
12.1%
125.9%
Valuation • Fair Value

Esquire Financial Holdings Inc (NASDAQ-ESQ) Fair Value by Valuation Model

Review the available estimates for Esquire Financial Holdings Inc (NASDAQ-ESQ), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$91.11

Estimated downside of 24.7% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$49.83

Classic Ben Graham valuation formula reference.

DDM Fair Value

$113.82

Dividend discount model valuation reference.

Comps Fair Value

$83.54

Comparable-company valuation reference.

Analyst Price Target

$130

Analysts imply upside of 7.4%.

How to read these valuation models

Use the 6 available valuation references for Esquire Financial Holdings Inc (NASDAQ-ESQ) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Esquire Financial Holdings Inc (NASDAQ-ESQ)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

149.3 M

Current operating scale indicator.

Revenue Forecast

180.7 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Esquire Financial Holdings Inc (NASDAQ-ESQ) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Esquire Financial Holdings Inc (NASDAQ-ESQ)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Great

Positive financial-health read.

Piotroski Score

4

Mid-range quality score.

Altman Z-Score

-1.2

Lower score that deserves closer risk review.

FCF / Net Income

125.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Esquire Financial Holdings Inc (NASDAQ-ESQ). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Esquire Financial Holdings Inc (NASDAQ-ESQ)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 26, 2026

Days to Earnings

34

Dividend Yield

0.7%

Current income yield reference.

Payout Ratio

12.1%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Esquire Financial Holdings Inc (NASDAQ-ESQ), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Esquire Financial Holdings Inc (NASDAQ-ESQ) Stock Forecast & Technical Outlook

Review Esquire Financial Holdings Inc (NASDAQ-ESQ) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Esquire Financial Holdings Inc (NASDAQ-ESQ) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Esquire Financial Holdings Inc (NASDAQ-ESQ) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Esquire Financial Holdings Inc (NASDAQ-ESQ) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Buy

The weekly technical read for Esquire Financial Holdings Inc (NASDAQ-ESQ) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Esquire Financial Holdings Inc (NASDAQ-ESQ) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Esquire Financial Holdings Inc (NASDAQ-ESQ)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Esquire Financial Holdings Inc (NASDAQ-ESQ) has a Buy consensus, with 1 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 1
Sell 0
FAQ • Fast Investor Answers

Esquire Financial Holdings Inc (NASDAQ-ESQ) Stock FAQ

Data-supported answers about Esquire Financial Holdings Inc (NASDAQ-ESQ), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$91.11
Estimated downside 24.7%
Valuation Rating
Overvalued
Estimated downside of 24.7%
Analyst Target
$130
Implied upside 7.4%
Financial Health
Great
Current financial-health read

The current fair value estimate for Esquire Financial Holdings Inc (NASDAQ-ESQ) is $91.11. This implies an estimated downside of 24.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 24.7% versus the current market price.

The available analyst price target for Esquire Financial Holdings Inc (NASDAQ-ESQ) is $130. The analyst target implies estimated upside of 7.4%.

The current financial health read for Esquire Financial Holdings Inc (NASDAQ-ESQ) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Esquire Financial Holdings Inc (NASDAQ-ESQ) is October 26, 2026.

Based on the current data, dividend yield is 0.7%.

The current P/E ratio listed for Esquire Financial Holdings Inc (NASDAQ-ESQ) is 27.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Esquire Financial Holdings Inc is 1.421 B.

The ticker symbol for Esquire Financial Holdings Inc is NASDAQ-ESQ, and the stock is listed on NASDAQ.

Esquire Financial Holdings Inc (NASDAQ-ESQ) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Esquire Financial Holdings Inc is 0.2%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Esquire Financial Holdings Inc is 88.5%. Free float helps investors understand how much of the share base is available for public trading.

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