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ESQUIRE FINANCIAL HOLDINGS I

ESQNASDAQ
πŸ† #2091 by market capEarnings Jan 20US Equity
$128.83β–Ό $0.87 (βˆ’0.67%)
Market closed Β· at close
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24hβ–Ό 0.7%
7dβ–² 6.3%
14dβ–² 8.1%
30dβ–² 9.3%
ytdβ–² 25.4%
1yβ–² 34.9%
🏦Market Cap
$1.56B
Small Cap
πŸ“ˆRevenue Growth (YoY)
58.5%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
14.6%
Healthy
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$127.31 – $131.60
52-Week Range
$92.10 – $134.82
Volume (shares)
245,379
Avg Volume (shares)
β€”
Shares Outstanding
12.1M
Next Earnings
2027-01-20

Fundamentals Snapshot

Annual Revenue
$164M
Last Q Revenue
$71M
P/E Ratio
29.3
P/S Ratio
3.4x
EPS (TTM)
$6.14
Dividend Yield
0.41%
Dilution (1yr)
+2.4%
ESQ logo

ESQUIRE FINANCIAL HOLDINGS I

ESQ
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$164Mβ–² +19.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
85.0%β–Ό βˆ’2.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$69Mβ–² +15.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$57Mβ–² +45.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.7Mβ–² +2.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$233Mβ–² +$107M YoY
StockOtter Β· stockotter.space

About ESQUIRE FINANCIAL HOLDINGS I

Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and financial services across the United States. Its clientele includes the legal sector, small businesses, and both corporate and individual clients. The company's deposit offerings encompass checking, savings, money market, and time deposits, alongside certificates of deposit. Its lending portfolio is extensive, providing commercial loans tailored for operational liquidity, such as short-term funding for inventory, accounts receivable, or supplies, in addition to financing for approved merchant clientele. It also extends commercial lines of credit. Consumer loan options are available for various needs, including post-settlement and structured settlement financing for plaintiffs and claimants, as well as personal loans to individuals for purposes like consolidating debt, covering medical costs, managing living expenses, or settling outstanding bills. Furthermore, it originates real estate loans for multifamily, single-family residential, commercial properties, and construction projects. Merchant services are another component of its offerings. Established in 2006, Esquire Financial Holdings, Inc. maintains its primary corporate office in Jericho, New York. As of early 2022 (specifically January 25), its physical presence included a full-service branch situated in Jericho, New York, and an administrative hub located in Boca Raton, Florida.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy3
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·1d ago

Esquire Financial Holdings' Strong Growth Is Impressive, But Not Upgrade-Worthy

Esquire Financial Holdings reported strong Q3 2026 results, with revenue and EPS exceeding analyst expectations following the Signature Bancorporation acquisition. ESQ's asset quality is impressive, with non-performing l

Seeking AlphaΒ·1d ago

Esquire Financial Holdings, Inc. (ESQ) Q3 2026 Earnings Call Transcript

Esquire Financial Holdings, Inc. ( ESQ ) Q3 2026 Earnings Call October 27, 2026 10:00 AM EDT Company Participants Andrew Sagliocca - Vice Chairman, CEO & President Michael Lacapria - Senior VP & CFO Eric Bader - Executiv

MarketBeatΒ·1d ago

Esquire Financial Q3 Earnings Call Highlights

Esquire Financial NASDAQ: ESQ reported third-quarter results that included two months of operations from Signature Bank following the August 1 closing of its merger, as the company highlighted continued organic growth, a

Zacks Investment ResearchΒ·1d ago

Esquire Financial (ESQ) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

The headline numbers for Esquire Financial (ESQ) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and t

Zacks Investment ResearchΒ·1d ago

Esquire Financial Holdings, Inc. (ESQ) Surpasses Q3 Earnings and Revenue Estimates

Esquire Financial Holdings, Inc. (ESQ) came out with quarterly earnings of $2.12 per share, beating the Zacks Consensus Estimate of $1.89 per share. This compares to earnings of $1.47 per share a year ago.

PRNewsWireΒ·1d ago

Esquire Financial Holdings, Inc. Reports Third Quarter 2026 Results

Successful Signature Closing Coupled with Combined Industry Leading Growth and Performance Metrics JERICHO, N.Y., Oct. 27, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financia