Esquire Financial Holdings, Inc. (ESQ) Financial Ratios
12 years of historical data (2014–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.73
↑+58% vs avg
5yr avg: 6.17
30Y Low4.1·High10.8
P/FCF
↑
16.35
↑+32% vs avg
5yr avg: 12.42
30Y Low9.2·High32.5
P/B Ratio
↑
3.23
↑+35% vs avg
5yr avg: 2.39
30Y Low1.2·High3.1
ROE
↑
19.3%
↓+2% vs avg
5yr avg: 18.9%
30Y Low0%·High23%
Debt/EBITDA
0.04
+0% vs avg
5yr avg: 0.04
30Y Low0.0·High0.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ESQ Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Esquire Financial Holdings, Inc. trades at 18.2x earnings, 31% above its 5-year average of 13.9x, sitting at the 78th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 39%. On a free-cash-flow basis, the stock trades at 16.4x P/FCF, 32% above the 5-year average of 12.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $927M | $889M | $675M | $417M | $351M | $250M | $147M | $203M | $168M | $123M | — |
| Enterprise Value | $693M | $656M | $548M | $252M | $187M | $101M | $82M | $141M | $137M | $80M | — |
| P/E Ratio → | 18.25 | 17.36 | 15.47 | 10.18 | 12.47 | 13.94 | 11.63 | 14.32 | 19.20 | 34.03 | — |
| P/S Ratio | 5.63 | 5.40 | 4.88 | 3.43 | 4.08 | 3.82 | 2.75 | 4.19 | 4.56 | 4.76 | — |
| P/B Ratio | 3.23 | 3.07 | 2.85 | 2.10 | 2.22 | 1.74 | 1.16 | 1.83 | 1.81 | 1.48 | — |
| P/FCF | 16.35 | 15.68 | 17.27 | 10.58 | 9.34 | 9.23 | 11.78 | 14.24 | 18.94 | 32.53 | — |
| P/OCF | 15.49 | 14.86 | 15.98 | 9.83 | 9.04 | 8.32 | 9.41 | 12.44 | 16.60 | 30.97 | — |
P/E links to full P/E history page with 30-year chart
ESQ EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Esquire Financial Holdings, Inc.'s enterprise value stands at 9.7x EBITDA, 58% above its 5-year average of 6.2x. The Financial Services sector median is 11.5x, placing the stock at a 15% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.99 | 3.97 | 2.07 | 2.17 | 1.54 | 1.53 | 2.91 | 3.73 | 3.10 | — |
| EV / EBITDA | 9.73 | 9.20 | 8.76 | 4.31 | 4.51 | 4.06 | 4.34 | 6.91 | 10.80 | 10.80 | — |
| EV / EBIT | 10.12 | 9.57 | 9.25 | 4.51 | 4.81 | 4.46 | 4.75 | 7.38 | 11.52 | 11.44 | — |
| EV / FCF | — | 11.57 | 14.04 | 6.39 | 4.97 | 3.73 | 6.55 | 9.91 | 15.50 | 21.23 | — |
ESQ Profitability
Margins and return-on-capital ratios measuring operating efficiency
Esquire Financial Holdings, Inc. earns an operating margin of 41.7%, significantly above the Financial Services sector average of 21.6%. Operating margins have compressed from 45.9% to 41.7% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 19.3% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 19.4% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.0% | 85.0% | 86.9% | 89.6% | 94.0% | 88.1% | 86.0% | 90.9% | 93.0% | 94.4% | 94.5% |
| Operating Margin | 41.7% | 41.7% | 42.9% | 45.9% | 45.2% | 34.6% | 32.2% | 39.5% | 32.4% | 27.1% | 22.6% |
| Net Profit Margin | 30.9% | 30.9% | 31.6% | 33.7% | 33.2% | 27.3% | 23.7% | 29.2% | 23.7% | 14.1% | 13.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.3% | 19.3% | 20.0% | 23.0% | 18.9% | 13.3% | 10.6% | 13.9% | 9.9% | 5.4% | 5.6% |
| ROA | 2.4% | 2.4% | 2.5% | 2.7% | 2.2% | 1.7% | 1.5% | 1.9% | 1.5% | 0.8% | 0.7% |
| ROIC | 19.4% | 19.4% | 20.4% | 23.5% | 19.3% | 12.6% | 10.9% | 14.1% | 10.1% | 7.7% | 6.7% |
| ROCE | 5.2% | 5.2% | 25.8% | 30.4% | 25.7% | 16.8% | 14.5% | 18.8% | 13.5% | 10.3% | 9.0% |
ESQ Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Esquire Financial Holdings, Inc. carries a Debt/EBITDA ratio of 0.0x, which is very conservative (99% below the sector average of 4.1x). The company holds a net cash position — cash of $236M exceeds total debt of $3M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 3.8x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.01 | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
| Debt / EBITDA | 0.04 | 0.04 | — | — | — | — | 0.00 | 0.00 | 0.01 | 0.04 | 0.08 |
| Net Debt / Equity | — | -0.81 | -0.53 | -0.83 | -1.04 | -1.04 | -0.52 | -0.56 | -0.33 | -0.51 | -0.82 |
| Net Debt / EBITDA | -3.27 | -3.27 | -2.02 | -2.83 | -3.97 | -5.98 | -3.47 | -3.02 | -2.40 | -5.75 | -8.97 |
| Debt / FCF | — | -4.12 | -3.23 | -4.19 | -4.37 | -5.50 | -5.23 | -4.33 | -3.44 | -11.30 | -11.67 |
| Interest Coverage | 3.82 | 3.82 | 4.41 | 6.89 | 23.56 | 27.43 | 14.43 | 7.51 | 9.84 | 13.07 | 8.98 |
Net cash position: cash ($236M) exceeds total debt ($3M)
ESQ Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Esquire Financial Holdings, Inc.'s current ratio of 488.25x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.21x to 488.25x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 488.25 | 488.25 | 0.23 | 0.21 | 0.23 | 0.29 | 0.23 | 0.31 | 0.32 | 0.39 | 0.37 |
| Quick Ratio | 488.25 | 488.25 | 0.23 | 0.21 | 0.23 | 0.29 | 0.23 | 0.31 | 0.32 | 0.39 | 0.37 |
| Cash Ratio | 238.75 | 238.75 | 0.08 | 0.12 | 0.13 | 0.14 | 0.08 | 0.09 | 0.05 | 0.10 | 0.12 |
| Asset Turnover | — | 0.07 | 0.07 | 0.08 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ESQ Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Esquire Financial Holdings, Inc. returns 0.6% to shareholders annually primarily through dividends. The payout ratio of 11.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 5.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.6% | 0.7% | 0.7% | 0.9% | 0.6% | — | — | — | — | — | — |
| Payout Ratio | 11.5% | 11.5% | 11.1% | 9.1% | 7.5% | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 5.8% | 6.5% | 9.8% | 8.0% | 7.2% | 8.6% | 7.0% | 5.2% | 2.9% | — |
| FCF Yield | 6.1% | 6.4% | 5.8% | 9.4% | 10.7% | 10.8% | 8.5% | 7.0% | 5.3% | 3.1% | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.4% | 0.0% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 0.6% | 0.7% | 0.7% | 1.0% | 0.6% | 0.0% | 0.4% | 0.0% | 0.0% | 0.0% | — |
| Shares Outstanding | — | $9M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $6M | $5M |
Peer Comparison
Compare ESQ with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ESQYou | $927M | 18.2 | 9.7 | 16.4 | 85.0% | 41.7% | 19.3% | 19.4% | 0.0 |
 MNSB | $176M | 13.4 | 11.6 | 16.6 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CHMG | $331M | 22.0 | 15.7 | 163.6 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 CZWI | $203M | 14.4 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 AROW | $612M | 14.0 | 11.1 | 16.9 | 65.3% | 22.8% | 10.6% | 9.3% | 0.5 |
 BWFG | $415M | 11.7 | 7.0 | 15.9 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 EVLV | $1B | -35.7 | — | — | 51.6% | -30.7% | -28.0% | -30.7% | — |
 LPRO | $192M | -45.4 | 12.2 | — | 75.5% | 6.4% | -5.5% | 2.3% | 10.5 |
 WRLD | $753M | 9.2 | 7.5 | 3.0 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 ENVA | $4B | 14.9 | 11.3 | 2.4 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 12 years · Updated daily
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Start ComparisonESQ — Frequently Asked Questions
Quick answers to the most common questions about buying ESQ stock.
What is Esquire Financial Holdings, Inc.'s P/E ratio?
Esquire Financial Holdings, Inc.'s current P/E ratio is 18.2x. The historical average is 16.5x. This places it at the 78th percentile of its historical range.
What is Esquire Financial Holdings, Inc.'s EV/EBITDA?
Esquire Financial Holdings, Inc.'s current EV/EBITDA is 9.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.1x.
What is Esquire Financial Holdings, Inc.'s ROE?
Esquire Financial Holdings, Inc.'s return on equity (ROE) is 19.3%. The historical average is 11.9%.
Is ESQ stock overvalued?
Based on historical data, Esquire Financial Holdings, Inc. is trading at a P/E of 18.2x. This is at the 78th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Esquire Financial Holdings, Inc.'s dividend yield?
Esquire Financial Holdings, Inc.'s current dividend yield is 0.63% with a payout ratio of 11.5%.
What are Esquire Financial Holdings, Inc.'s profit margins?
Esquire Financial Holdings, Inc. has 85.0% gross margin and 41.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Esquire Financial Holdings, Inc. have?
Esquire Financial Holdings, Inc.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.