Symbols / ESQ Stock $105.90 +0.85% Esquire Financial Holdings, Inc.

Financial Services • Banks - Regional • United States • NCM
ESQ (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Andrew C. Sagliocca
Exch · Country NCM · United States
Market Cap 914.64M
Enterprise Value 637.81M
Income 51.63M
Sales 142.38M
FCF (ttm) —
Book/sh 35.73
Cash/sh 27.13
Employees 151
Insider 10d —
IPO Jun 27, 2017
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 12.21%
P/E 17.83
Forward P/E 12.50
PEG —
P/S 6.42
P/B 2.96
P/C —
EV/EBITDA —
EV/Sales 4.48
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 5.94
EPS next Y 8.47
EPS Growth 5.30%
Revenue Growth 17.00%
EPS Gr Q/Q 7.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 2.36%
ROE 18.70%
ROIC —
Gross Margin 0.00%
Oper. Margin 48.66%
Profit Margin 36.26%
Shs Outstand 8.64M
Shs Float 6.81M
Insider Own 16.94%
Instit Own 69.13%
Short Float 9.71%
Short Ratio 6.26
Short Interest 706.25K
52W High 134.81
vs 52W High -21.45%
52W Low 80.19
vs 52W Low 32.05%
Beta 0.45
Impl. Vol. —
Rel Volume 0.62
Avg Volume 107.20K
Volume 66.69K
Target (mean) $125.00
Tgt Median $125.00
Tgt Low $120.00
Tgt High $130.00
# Analysts 3
Recom Buy
Prev Close $105.01
Price $105.90
Change 0.85%
About

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it provides cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it offers payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$125.00
Mean price target
2. Current target
$105.90
Latest analyst target
3. DCF / Fair value
$89.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$105.90
Low
$120.00
High
$130.00
Mean
$125.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-13 up Raymond James Market Perform → Strong Buy $125
2026-01-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $120
2025-10-29 main Piper Sandler Overweight → Overweight $116
2025-07-25 reit Keefe, Bruyette & Woods Market Perform → Market Perform $110
2025-07-11 main Keefe, Bruyette & Woods Market Perform → Market Perform $102
2025-04-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $94
2025-04-25 main Piper Sandler Overweight → Overweight $96
2025-01-27 main Piper Sandler Overweight → Overweight $91
2025-01-27 reit Keefe, Bruyette & Woods Market Perform → Market Perform $85
2025-01-24 down Raymond James Strong Buy → Market Perform —
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $80
2024-10-25 reit Piper Sandler Overweight → Overweight $75
2024-10-02 down Keefe, Bruyette & Woods Outperform → Market Perform $72
2024-07-26 reit Keefe, Bruyette & Woods Outperform → Outperform $68
2024-04-29 main Piper Sandler Overweight → Overweight $61
2024-01-26 main Keefe, Bruyette & Woods Outperform → Outperform $65
2024-01-16 init Raymond James — → Strong Buy $60
2023-07-26 main Keefe, Bruyette & Woods Outperform → Outperform $58
2023-04-06 main Keefe, Bruyette & Woods — → Outperform $52
2022-10-18 init Keefe, Bruyette & Woods — → Outperform $53
News
RSS: Latest ESQ news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-19 POWERS RICHARD T Director — 2,308 $104.82 $241,936
2026-03-19 ZINES SELIG Director — 30,000 $105.00 $3,189,046
2026-01-29 BADER ERIC S Chief Operating Officer — 3,492 $0.00 $0
2026-01-29 KORNHABER ARI P Officer — 5,122 $0.00 $0
2026-01-29 SAGLIOCCA ANDREW C Chief Executive Officer — 8,148 $0.00 $0
2026-01-29 LACAPRIA MICHAEL Chief Financial Officer — 1,164 $0.00 $0
2026-01-05 POWERS RICHARD T Director — 1,500 $24.90 $37,350
2026-01-05 BADER ERIC S Chief Operating Officer — 14,125 $12.50 $176,562
2026-01-05 KORNHABER ARI P Officer — 18,625 $12.50 $232,812
2026-01-05 SAGLIOCCA ANDREW C Chief Executive Officer — 29,250 $12.50 $365,625
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
146.56
+17.41%
124.82
+9.95%
113.52
+34.71%
84.27
Operating Revenue
146.56
+17.41%
124.82
+9.95%
113.52
+34.71%
84.27
Selling General And Administration
47.05
+11.21%
42.30
+20.53%
35.10
+26.28%
27.79
Selling And Marketing Expense
3.61
+2.85%
3.51
+92.76%
1.82
+24.69%
1.46
General And Administrative Expense
43.43
+11.97%
38.79
+16.57%
33.27
+26.36%
26.33
Salaries And Wages
42.31
+11.81%
37.84
+16.51%
32.48
+26.02%
25.77
Other Gand A
—
—
—
—
Reconciled Depreciation
3.68
+12.08%
3.29
+29.56%
2.54
-0.47%
2.55
Net Income
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Pretax Income
65.65
+10.75%
59.28
+6.08%
55.88
+44.02%
38.80
Net Interest Income
121.48
+21.57%
99.93
+19.29%
83.77
+41.16%
59.35
Interest Expense
17.94
+33.41%
13.44
+65.67%
8.12
+392.71%
1.65
Interest Income
139.42
+22.97%
113.37
+23.38%
91.89
+50.65%
60.99
Gain On Sale Of Security
0.43
0.00
-100.00%
4.01
0.00
Tax Provision
14.83
-5.08%
15.62
+5.06%
14.87
+44.62%
10.28
Tax Rate For Calcs
0.00
-14.27%
0.00
-0.98%
0.00
+0.42%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Net Income From Continuing Operation Net Minority Interest
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Net Income From Continuing And Discontinued Operation
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Net Income Continuous Operations
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Normalized Income
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Net Income Common Stockholders
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Diluted EPS
5.87
+14.20%
5.14
+4.68%
4.91
+41.50%
3.47
Basic EPS
6.30
+12.90%
5.58
+5.08%
5.31
+42.36%
3.73
Basic Average Shares
8.06
+3.12%
7.82
+1.31%
7.72
+1.02%
7.64
Diluted Average Shares
8.66
+2.06%
8.49
+1.69%
8.35
+2.95%
8.11
Diluted NI Availto Com Stockholders
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Insurance And Claims
1.12
+18.56%
0.94
+18.92%
0.79
+42.11%
0.56
Occupancy And Equipment
4.91
+19.89%
4.09
+21.71%
3.36
+3.92%
3.24
Other Non Interest Expense
13.78
+29.73%
10.62
+15.35%
9.21
+21.60%
7.57
Professional Expense And Contract Services Expense
5.50
+43.78%
3.82
-29.80%
5.45
+61.34%
3.38
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,365.66
+25.00%
1,892.50
+17.05%
1,616.88
+15.85%
1,395.64
Cash And Cash Equivalents
235.89
+86.72%
126.33
-23.53%
165.21
+0.66%
164.12
Other Short Term Investments
246.50
+1.97%
241.75
+97.98%
122.11
+11.75%
109.27
Receivables
12.64
+24.85%
10.12
+10.89%
9.13
+58.29%
5.77
Accounts Receivable
12.64
+24.85%
10.12
+10.89%
9.13
+58.29%
5.77
Net PPE
4.38
+79.76%
2.44
-6.38%
2.60
-3.77%
2.70
Gross PPE
11.92
+36.08%
8.76
+8.87%
8.05
+8.13%
7.44
Accumulated Depreciation
-7.54
-19.26%
-6.32
-16.16%
-5.44
-14.93%
-4.74
Machinery Furniture Equipment
5.76
+12.02%
5.14
+3.42%
4.97
+7.27%
4.64
Construction In Progress
—
—
—
0.01
Leases
6.16
+70.31%
3.62
+17.70%
3.07
+9.55%
2.81
Investments And Advances
306.70
-1.19%
310.41
+55.90%
199.11
+6.11%
187.65
Total Liabilities Net Minority Interest
2,076.06
+25.41%
1,655.41
+16.72%
1,418.32
+14.61%
1,237.48
Payables And Accrued Expenses
—
—
—
9.24
Current Accrued Expenses
—
—
—
9.24
Stockholders Equity
289.60
+22.14%
237.09
+19.41%
198.56
+25.54%
158.16
Common Stock Equity
289.60
+22.14%
237.09
+19.41%
198.56
+25.54%
158.16
Capital Stock
0.09
+2.35%
0.09
+1.19%
0.08
+2.44%
0.08
Common Stock
0.09
+2.35%
0.09
+1.19%
0.08
+2.44%
0.08
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
8.71
+2.78%
8.47
+1.35%
8.36
+1.49%
8.24
Ordinary Shares Number
8.55
+2.37%
8.35
+0.81%
8.29
+1.13%
8.20
Treasury Shares Number
0.16
+31.64%
0.12
+62.13%
0.07
+71.72%
0.04
Additional Paid In Capital
109.89
+5.61%
104.05
+4.35%
99.71
+3.45%
96.39
Retained Earnings
197.79
+29.33%
152.93
+33.84%
114.26
+47.03%
77.71
Gains Losses Not Affecting Retained Earnings
-8.49
+40.58%
-14.29
-7.95%
-13.23
+12.45%
-15.12
Treasury Stock
9.68
+70.11%
5.69
+150.79%
2.27
+150.33%
0.91
Total Equity Gross Minority Interest
289.60
+22.14%
237.09
+19.41%
198.56
+25.54%
158.16
Net Tangible Assets
289.60
+22.14%
237.09
+19.41%
198.56
+25.54%
158.16
Tangible Book Value
289.60
+22.14%
237.09
+19.41%
198.56
+25.54%
158.16
Cash Cash Equivalents And Federal Funds Sold
239.06
+84.80%
129.36
-23.06%
168.14
-22.34%
216.50
Held To Maturity Securities
60.19
-12.33%
68.66
-10.83%
77.00
-1.76%
78.38
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
59.84
+41.76%
42.21
-0.45%
42.40
+9.29%
38.80
Cash Flow From Continuing Operating Activities
59.84
+41.76%
42.21
-0.45%
42.40
+9.29%
38.80
Net Income From Continuing Operations
50.82
+16.41%
43.66
+6.45%
41.01
+43.81%
28.52
Depreciation Amortization Depletion
3.68
+12.08%
3.29
+29.56%
2.54
-0.47%
2.55
Depreciation
1.97
+35.40%
1.45
+13.97%
1.27
+8.98%
1.17
Amortization Cash Flow
1.72
-6.38%
1.83
+45.29%
1.26
-8.48%
1.38
Depreciation And Amortization
3.68
+12.08%
3.29
+29.56%
2.54
-0.47%
2.55
Amortization Of Intangibles
1.72
-6.38%
1.83
+45.29%
1.26
-8.48%
1.38
Other Non Cash Items
-0.11
+77.48%
-0.48
+62.51%
-1.29
-22.49%
-1.05
Stock Based Compensation
4.95
+29.13%
3.83
+19.17%
3.22
+31.67%
2.44
Deferred Tax
0.02
+101.81%
-1.11
+56.64%
-2.55
-91.37%
-1.33
Deferred Income Tax
0.02
+101.81%
-1.11
+56.64%
-2.55
-91.37%
-1.33
Operating Gains Losses
-0.43
—
-4.01
-4460.23%
-0.09
Gain Loss On Investment Securities
-0.43
0.00
+100.00%
-4.01
0.00
Change In Working Capital
-9.24
+23.68%
-12.11
-727.05%
-1.46
-139.21%
3.73
Change In Receivables
-2.52
-153.12%
-0.99
+70.43%
-3.36
-114.00%
-1.57
Changes In Account Receivables
-2.52
-153.12%
-0.99
+70.43%
-3.36
-114.00%
-1.57
Change In Payables And Accrued Expense
0.67
-4.15%
0.70
-59.68%
1.73
-35.46%
2.68
Change In Accrued Expense
0.67
-4.15%
0.70
-59.68%
1.73
-35.46%
2.68
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
-6.50
+41.36%
-11.09
-1496.85%
0.79
-75.06%
3.18
Change In Other Current Liabilities
-0.89
-23.44%
-0.72
-14.99%
-0.63
-11.76%
-0.56
Investing Cash Flow
-362.09
-17.46%
-308.27
-43.11%
-215.40
+2.75%
-221.50
Cash Flow From Continuing Investing Activities
-362.09
-17.46%
-308.27
-43.11%
-215.40
+2.75%
-221.50
Net PPE Purchase And Sale
-3.16
-342.72%
-0.71
-18.02%
-0.60
-728.77%
-0.07
Purchase Of PPE
-3.16
-342.72%
-0.71
-18.02%
-0.60
-728.77%
-0.07
Capital Expenditure
-5.58
-77.26%
-3.15
-4.83%
-3.00
-143.04%
-1.24
Capital Expenditure Reported
-2.42
+0.57%
-2.44
-1.50%
-2.40
-106.28%
-1.16
Net Investment Purchase And Sale
11.56
+110.01%
-115.53
-4306.37%
-2.62
+95.59%
-59.46
Purchase Of Investment
-48.30
+70.13%
-161.69
-461.45%
-28.80
+66.45%
-85.83
Sale Of Investment
59.86
+29.70%
46.15
+76.31%
26.18
-0.74%
26.37
Net Intangibles Purchase And Sale
—
—
—
—
Purchase Of Intangibles
—
—
—
—
Net Other Investing Changes
-0.14
-31.13%
-0.11
+10.17%
-0.12
+9.23%
-0.13
Financing Cash Flow
411.81
+81.27%
227.17
+30.49%
174.09
-11.93%
197.67
Cash Flow From Continuing Financing Activities
411.81
+81.27%
227.17
+30.49%
174.09
-11.93%
197.67
Net Issuance Payments Of Debt
-0.00
+0.00%
-0.00
+0.00%
-0.00
+0.00%
-0.00
Repayment Of Debt
-0.00
+0.00%
-0.00
+0.00%
-0.00
+0.00%
-0.00
Long Term Debt Payments
-0.00
+0.00%
-0.00
+0.00%
-0.00
+0.00%
-0.00
Net Long Term Debt Issuance
-0.00
+0.00%
-0.00
+0.00%
-0.00
+0.00%
-0.00
Net Common Stock Issuance
0.00
0.00
+100.00%
-0.29
0.00
Common Stock Payments
0.00
0.00
+100.00%
-0.29
0.00
Common Stock Dividend Paid
-5.86
-20.95%
-4.85
-30.30%
-3.72
-73.06%
-2.15
Cash Dividends Paid
-5.86
-20.95%
-4.85
-30.30%
-3.72
-73.06%
-2.15
Repurchase Of Capital Stock
0.00
0.00
+100.00%
-0.29
0.00
Proceeds From Stock Option Exercised
0.89
+75.64%
0.51
+359.09%
0.11
-66.97%
0.33
Net Other Financing Charges
-3.99
-16.61%
-3.42
-217.84%
-1.08
-217.40%
-0.34
Changes In Cash
109.56
+381.78%
-38.88
-3676.82%
1.09
-92.74%
14.97
Beginning Cash Position
126.33
-23.53%
165.21
+0.66%
164.12
+10.03%
149.16
End Cash Position
235.89
+86.72%
126.33
-23.53%
165.21
+0.66%
164.12
Free Cash Flow
54.26
+38.90%
39.06
-0.85%
39.40
+4.89%
37.56
Interest Paid Supplemental Data
17.96
+33.73%
13.43
+65.11%
8.13
+402.72%
1.62
Income Tax Paid Supplemental Data
15.29
-15.04%
18.00
+2.36%
17.59
+103.22%
8.65
Amortization Of Securities
0.47
+9.07%
0.43
+0.23%
0.43
-20.11%
0.54
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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