ESQ Financial Services

Esquire Financial Holdings, Inc.

$123.61-0.58%

Price as of close on Nov 3, 2026 · Financials updated Nov 4, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 1.5B USD
Full-time employees: 151

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #690 of 791 banks & insurance companies (bottom 13%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 48% from December 2022 to August 2026.
Esquire Financial had 48% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Esquire Financial had 48% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

StockQuotient Score

31/ 100

Oct 5 31 → Nov 4 31

Valuation

Is the price right?

6/100

Weak

2/2 inputs reported · High confidence

Since last quarter: ▼ Weaker

Share count up 40.1% (existing holders diluted)

Valuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield20.9%

SEC filings · latest balance sheetOutlier capped at sector 5th/95th percentile40% base weight · Z-score -2.06Sector median: 0.7950 · MAD: 0.2843

Earnings yield3.5%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -1.74Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield4.4%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

9/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-19.9%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -2.02Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth20.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth17.4%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

78/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROE
▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets2.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.48Sector median: 0.0117 · MAD: 0.0062

Return on equity16.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.56Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Esquire Financial

Is Esquire Financial getting weaker?: Its latest SEC filing (Aug 10, 2026) got weaker in some ways: share count up 40.1%. Its overall score is unchanged at 31/100 since Oct 28, 2026.
How is Esquire Financial valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 6/100 against 950 banks & insurance peers. Book yield 20.9% vs a peer median of 79.5% (weaker than 100% of peers).Book yield 20.9% vs peers 79.5% (weaker than 100% of peers).
Is Esquire Financial growing?: More slowly than most of its peers. Growth scores 9/100 against 950 banks & insurance peers. Earnings per share growth -19.9% vs a peer median of 16.0% (weaker than 91% of peers).Earnings per share growth -19.9% vs peers 16.0% (weaker than 91% of peers).
How profitable is Esquire Financial?: More profitable than most of its peers. Profitability scores 78/100 against 950 banks & insurance peers. Return on equity 16.8% vs a peer median of 10.7% (stronger than 82% of peers).Return on equity 16.8% vs peers 10.7% (stronger than 82% of peers).
How risky is Esquire Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 10, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

Share count up 40.1% (existing holders diluted)

	Previous quarter	Latest quarter	Change
Net income (12 months)	51.6M USD	52.7M USD	+2.1%
Free cash flow (12 months)	61.4M USD	66.4M USD	+8.2%
Cash	222.2M USD	242.2M USD	+9.0%
Shares outstanding	8.6M	12.1M	+40.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	1.5%	2.0%	2.5%	2.3%	2.1%	▼ 0.2 pts
Return on equity (ROE)	12.5%	18.1%	20.7%	18.4%	17.5%	▼ 0.9 pts

ESQ price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #690 of 791 banks & insurance companies (bottom 13%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 48% from December 2022 to August 2026.

Esquire Financial had 48% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Esquire Financial had 48% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Questions investors ask about Esquire Financial

Is Esquire Financial getting weaker?

Its latest SEC filing (Aug 10, 2026) got weaker in some ways: share count up 40.1%. Its overall score is unchanged at 31/100 since Oct 28, 2026.

How is Esquire Financial valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 6/100 against 950 banks & insurance peers. Book yield 20.9% vs a peer median of 79.5% (weaker than 100% of peers).Book yield 20.9% vs peers 79.5% (weaker than 100% of peers).

Is Esquire Financial growing?

More slowly than most of its peers. Growth scores 9/100 against 950 banks & insurance peers. Earnings per share growth -19.9% vs a peer median of 16.0% (weaker than 91% of peers).Earnings per share growth -19.9% vs peers 16.0% (weaker than 91% of peers).

How profitable is Esquire Financial?

More profitable than most of its peers. Profitability scores 78/100 against 950 banks & insurance peers. Return on equity 16.8% vs a peer median of 10.7% (stronger than 82% of peers).Return on equity 16.8% vs peers 10.7% (stronger than 82% of peers).

How risky is Esquire Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

51.6M USD

52.7M USD

+2.1%

Free cash flow (12 months)

61.4M USD

66.4M USD

+8.2%

Cash

222.2M USD

242.2M USD

+9.0%

Shares outstanding

8.6M

12.1M

+40.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

1.5%

2.0%

2.5%

2.3%

2.1%

▼ 0.2 pts

Return on equity (ROE)

12.5%

18.1%

20.7%

18.4%

17.5%

▼ 0.9 pts