ESQ
Esquire Financial Holdings, Inc.
Financial Services · Banks - Regional · NCM
$108.09
Data: 2026-05-28
✗ ETHICAL FAIL

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$951M
Total market value of the company
18.52
Reasonably valued
12.72
Based on estimated future earnings — lower means cheaper
Rev Growth
+17.0%
Year-over-year revenue change
Profit Margin
36.3%
How much profit the company keeps from each dollar of revenue
18.7%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$125.00
+16% from current price — median analyst estimate
Recommendation
NONE
Consensus view from 3 analysts covering this stock
About Esquire Financial Holdings, Inc.

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.

https://www.esquirebank.com

Country: United States Employees: 151 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% N/A
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

ACCUMULATION
Smart money appears to be building positions quietly
1.595
Excellent risk-adjusted returns
0.1271
Suggested allocation is meaningful — the edge justifies a position
2.767
Returns exceed worst-case losses — strong risk profile
Annual Return
57.2%
Historical annualised return based on price data
-20.7%
Largest peak-to-trough decline — the worst it has been
BEAR
Statistical model detects bearish conditions
Days in State
23
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.39
Very low correlation to market moves
52W High
$134.82
20% below the year high
52W Low
$87.54
23% above the year low
Avg Volume
107,244
Average daily shares traded — higher means easier to buy and sell
6.8
Days it would take all short sellers to cover — higher means more crowded
Short % Float
10.6%
Elevated short interest — bears are positioned against this
68.0%
Annual dividend as a percentage of the share price
$5.94
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
0.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
49.5%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$142M
Total revenue over the last 12 months
Net Income
$52M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
3
Target High
$130.00
Target Median
$125.00
Target Low
$120.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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