Esquire Financial Holdings, Inc. (ESQ)
Valuation Overview•Is Esquire Financial Holdings, Inc. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
High-quality fundamentals with a strong composite quality score of 85/100, backed by robust profitability and solvency.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Elite compounder with fortress-level fundamentals across every core pillar.
Wall Street is broadly bullish, projecting solid upside alongside robust expected earnings growth. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
ESQ exhibits elite business quality, driven by exceptional capital efficiency and highly lucrative margins. This is backed by a fortress balance sheet, holding significant net cash ($233M) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (19.2% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 40.7% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $45.5M | +19.0% | — | — | +26.7% | |
| EBITDA | $18.1M | — | +19.9% | — | — | |
| Net Income | $12.2M | +16.5% | +21.3% | — | +45.8% | |
| EPS (Diluted) | $1.40 | +14.4% | +19.2% | +28.9% | +38.9% | |
| Free Cash Flow | $19.3M | +45.1% | +14.7% | +35.4% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 85.9% | 87.2% | 88.7% | 90.3% |
| Operating Margin | 40.7% | 43.5% | 42.1% | 36.4% |
| Net Margin | 30.0% | 32.1% | 31.3% | 26.1% |
| FCF Margin | 31.9% | 31.7% | 36.0% | 29.0% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.52 | $1.58 | +3.9% | ||
| Q1'26 | — | $1.55 | — | ||
| Q1'26 | $1.56 | $1.55 | -0.6% | ||
| Q4'25 | $1.47 | $1.47 | +0.0% | ||
| Q3'25 | $1.38 | $1.38 | +0.0% | ||
| Q2'25 | $1.31 | $1.33 | +1.5% | ||
| Q1'25 | — | $1.38 | — | ||
| Q4'24 | $1.31 | $1.34 | +2.3% |
Total return is +24.3% (1Y), outperforming the benchmark by +3.5%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +13.6% | +6.3% | — |
| 1Y | +24.3% | +3.5% | +0.8% |
| 3YCAGR | +37.8% | +18.3% | +4.4% |
| 5YCAGR | +37.2% | +25.9% | +10.2% |
| 10YCAGR | +22.6% | +9.0% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Esquire Financial Holdings, Inc. (ESQ) valuation, health, and returns.
Esquire Financial Holdings, Inc. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Expensive versus peers compared to industry peers. trading near fair value (DCF: $117.66)
Esquire Financial Holdings, Inc. has multiple valuation anchors: DCF Intrinsic Value: $117.66 | Peer Relative Fair Value: $75.86 | Wall Street Analyst Target: $125.00 (implying +5.5% upside). A convergence of these signals offers higher conviction.
Esquire Financial Holdings, Inc. displays excellent financial health with a composite quality score of 85/100, supported by a Piotroski F-Score of 5/9, Return on Invested Capital (ROIC) of 19.4%.
Esquire Financial Holdings, Inc. pays a 0.6% dividend yield, covered by a 12% payout ratio with 4 years of growth, supplemented by a 0.0% buyback yield.
Esquire Financial Holdings, Inc.'s current growth trajectory is Stable. The company achieved +19.0% 1Y revenue growth and +14.4% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 4 analysts, beating EPS expectations in 75% of recent quarters with a 1-quarter streak. The consensus price target represents a +5.5% change from current levels.
Investment risks for Esquire Financial Holdings, Inc. include: -15.6% 1-year max drawdown. Volatility risk is characterized by a beta of 0.66x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.