Last 40 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Esquire Financial Holdings, Inc.'s quarterly P/E stands at 16.5x, up 13.5% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.25 | 16.46 | 15.75 | 17.15 | 14.17 | 14.51 | 12.17 | 9.52 | 9.89 | 10.58 | 9.76 | 10.40 | 6.65 |
| — | +13.5% | +29.5% | +80.1% | +43.3% | +37.1% | +24.6% | -8.4% | +48.7% | +7.7% | -2.2% | -2.6% | -47.8% | |
| P/S Ratio | 5.63 | 5.01 | 5.21 | 5.09 | 4.30 | 4.57 | 3.94 | 2.97 | 3.07 | 3.29 | 3.15 | 3.30 | 2.65 |
| — | +9.5% | +32.2% | +71.2% | +40.1% | +39.0% | +25.2% | -10.0% | +15.9% | -5.2% | -8.8% | -2.3% | -32.2% | |
| P/B Ratio | 3.23 | 3.07 | 3.16 | 3.10 | 2.59 | 2.85 | 2.38 | 1.84 | 1.93 | 2.11 | 2.06 | 2.12 | 1.90 |
| — | +7.7% | +32.5% | +68.3% | +34.3% | +35.1% | +15.6% | -13.3% | +1.3% | -7.0% | -0.8% | +13.3% | -0.4% | |
| P/FCF | 16.35 | 19.26 | 14.35 | 23.37 | 11.53 | 15.50 | 14.22 | 15.26 | 8.41 | 6.66 | 9.54 | — | 5.87 |
| — | +24.3% | +0.9% | +53.2% | +37.0% | +132.7% | +49.0% | — | +43.3% | -36.9% | +41.5% | — | -7.8% | |
| EV / EBITDA | 9.73 | 8.08 | 8.72 | 10.10 | 7.24 | 8.33 | 6.23 | 4.04 | 4.17 | 4.48 | 4.71 | 5.21 | 1.76 |
| — | -3.1% | +40.0% | +150.3% | +73.6% | +86.1% | +32.3% | -22.5% | +137.2% | +21.0% | +64.7% | +63.9% | -55.7% | |
| EV / EBIT | 10.12 | 8.08 | 9.19 | 10.71 | 7.66 | 8.77 | 6.54 | 4.30 | 4.40 | 4.69 | 4.93 | 5.48 | 1.82 |
| — | -7.9% | +40.6% | +148.9% | +74.3% | +87.1% | +32.6% | -21.4% | +141.1% | +19.4% | +63.2% | +61.3% | -57.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Esquire Financial Holdings, Inc.'s operating margin was 45.8% in Q4 2025, up 4.5 pp QoQ and up 3.4 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 41.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.0% | 88.8% | 84.6% | 80.5% | 85.7% | 84.9% | 87.9% | 87.9% | 87.0% | 86.2% | 88.9% | 88.6% | 94.9% |
| — | +4.7% | -3.8% | -8.4% | -1.6% | -1.6% | -1.2% | -0.7% | -8.2% | -6.3% | -6.7% | -6.2% | -0.1% | |
| Operating Margin | 41.7% | 45.8% | 41.2% | 38.0% | 41.2% | 42.4% | 44.2% | 42.7% | 42.2% | 42.5% | 43.7% | 43.4% | 54.1% |
| — | +7.9% | -6.8% | -11.0% | -2.3% | -0.3% | +1.2% | -1.7% | -22.1% | -11.4% | -6.8% | +1.3% | +30.5% | |
| Net Margin | 30.9% | 30.4% | 33.2% | 29.6% | 30.3% | 31.8% | 32.3% | 31.2% | 31.0% | 31.0% | 32.3% | 31.7% | 39.8% |
| — | -4.3% | +2.8% | -4.9% | -2.3% | +2.5% | -0.2% | -1.7% | -22.1% | -12.0% | -6.1% | +0.6% | +30.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.3% | 4.7% | 5.2% | 4.6% | 4.7% | 5.0% | 5.0% | 4.9% | 5.0% | 5.1% | 5.4% | 5.2% | 7.4% |
| — | -5.2% | +2.6% | -6.4% | -5.7% | -2.7% | -6.5% | -5.2% | -33.0% | -13.4% | +2.9% | +18.6% | +99.0% | |
| ROA | 2.4% | 0.6% | 0.7% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.7% | 0.6% | 0.9% |
| — | -7.2% | +2.0% | -4.8% | -3.6% | +0.3% | -3.2% | -0.9% | -28.1% | -4.0% | +15.6% | +26.2% | +93.9% | |
| ROIC | 19.4% | 5.3% | 4.8% | 4.4% | 4.8% | 5.0% | 5.2% | 5.1% | 5.1% | 5.3% | 5.5% | 5.4% | 7.6% |
| — | +5.5% | -7.8% | -12.4% | -5.7% | -5.3% | -5.2% | -5.2% | -33.0% | -12.9% | +2.2% | +19.4% | +99.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Esquire Financial Holdings, Inc.'s Debt/EBITDA ratio is 0.1x, down from 0.3x last quarter — comfortably within a safe range. The current ratio has improved 211911.1% YoY to 488.25x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.01 | 0.02 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | 0.04 | 0.13 | 0.27 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 488.25 | 488.25 | 0.27 | 0.24 | 0.25 | 0.23 | 0.24 | 0.23 | 0.22 | 0.21 | 0.19 | 0.17 | 0.25 |
| — | +211911.1% | +12.1% | +6.3% | +15.4% | +9.3% | +28.2% | +33.6% | -13.1% | -6.6% | -24.8% | -29.7% | -4.9% | |
| Quick Ratio | 488.25 | 488.25 | 0.27 | 0.24 | 0.25 | 0.23 | 0.24 | 0.23 | 0.22 | 0.21 | 0.19 | 0.17 | 0.25 |
| — | +211911.1% | +12.1% | +6.3% | +15.4% | +9.3% | +28.2% | +33.6% | -13.1% | -6.6% | -24.8% | -29.7% | -4.9% | |
| Interest Coverage | 3.82 | 4.09 | 3.64 | 3.56 | 3.97 | 4.02 | 4.75 | 4.69 | 4.26 | 4.67 | 6.11 | 6.35 | 15.40 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 40 years · Updated daily
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Esquire Financial Holdings, Inc.'s current P/E is 18.2x. The average P/E over the last 4 quarters is 15.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Esquire Financial Holdings, Inc.'s current operating margin is 41.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Esquire Financial Holdings, Inc.'s business trajectory between earnings reports.