ESQ logo

ESQUIRE FINANCIAL HOLDINGS I

ESQNASDAQ
πŸ† #2041 by market capEarnings Oct 22US Equity
$132.92β–² $4.00 (+3.01%)
Market closed Β· at close
1hβ€”
24hβ–² 3.0%
7dβ–² 0.7%
14dβ–² 0.7%
30dβ–² 11.9%
1yβ–² 35.9%
🏦Market Cap
$1.15B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+58.5%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
18.7%
Healthy
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
67
Fair

Trading Snapshot

Day Range
$131.95 – $133.74
52-Week Range
$91.64 – $134.82
Volume
$3.73B
Avg Volume
$4.29B
Shares Outstanding
8.7M
Next Earnings
Oct 11, 2026

Fundamentals Snapshot

Annual Revenue
$164M
Last Q Revenue
$48M
P/E Ratio
21.2
P/S Ratio
3.4x
EPS (TTM)
$6.05
Dividend Yield
0.55%

Why Investors Own ESQ

  • βœ“High-growth profile β€” revenue up +15.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$164Mβ–² +15.5% YoY
Gross Margin (TTM)
40.0%β–² +1.2% YoY
Operating Income (TTM)
$52Mβ–² +15.5% YoY
Free Cash Flow (TTM)
$26Mβ–² +15.5% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
67/100

Analyst Ratings

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

Latest News & Updates

YahooΒ·8d ago

Esquire Financial Holdings, Inc. (ESQ) is a Great Momentum Stock: Should You Buy?

Does Esquire Financial Holdings, Inc. (ESQ) have what it takes to be a top stock pick for momentum investors? Let's find out.

YahooΒ·8d ago

Esquire Financial Holdings, Inc. Completes Acquisition of Signature Bancorporation, Inc. on August 1, 2026

Esquire Financial Holdings, Inc. (NASDAQ: ESQ) ("Esquire"), the parent company of Esquire Bank, National Association, (collectively "Esquire") announced today the completion of the previously announced acquisition of Signature Bancorporation, Inc., the parent company of Signature Bank (collectively "Signature"), effective August 1, 2026.

YahooΒ·12d ago

Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders

Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), today announced its regular quarterly dividend of $0.20 per share of common stock, payable on September 1, 2026, to each stockholder of record on August 14, 2026.

YahooΒ·14d ago

How Investors May Respond To Esquire Financial Holdings (ESQ) Strong Q2 2026 Net Interest And Earnings Growth

Esquire Financial Holdings, Inc. reported past second-quarter 2026 results showing net interest income of US$35.75 million and net income of US$12.98 million, both higher than a year earlier, alongside increased basic and diluted earnings per share from continuing operations. For the first half of 2026, Esquire’s higher net interest income of US$69.75 million and net income of US$25.19 million underscore ongoing operational strength across its lending and fee-based activities. With net...

SeekingAlphaΒ·16d ago

Esquire Financial: Earnings Accelerate Ahead Of Deal Completion

Esquire Financial's litigation-linked loan book surged 41% YoY, driving Q2 EPS up 16% and exceeding consensus by 3%. Read why ESQ stock is a Buy.

YahooΒ·19d ago

Esquire Financial Holdings Inc (ESQ) Q2 2026 Earnings Call Highlights: Strong Net Income and ...

Esquire Financial Holdings Inc (ESQ) reports a solid financial performance with significant loan growth, despite merger-related expenses and interest margin pressures.