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    E

    Esquire Financial Holdings Inc (ESQ)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $118.95
    +1.09 (+0.92%)

    Market Cap: $1.44B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    86%(31/36)
    Avg Surprise
    +1.26%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.89
    Range$1.81 - $2.02
    3 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.63+16.3%
    60d ago$1.82+3.6%
    30d ago$1.82+3.6%
    7d ago$1.82+3.6%
    Current$1.89
    Revenue Consensus
    $52M
    Range$51M - $54M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.11
    Range$1.94 - $2.34
    3 analysts
    Revenue Consensus
    $59M
    Range$57M - $61M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.11---
    Sep 26EST
    		-$1.89---
    Jun 26
    Reported Jul 23
    		$1.60$1.55+3.23%Beat+15.9%
    Mar 26
    Reported Apr 23
    		$1.40$1.52-7.89%Miss+5.3%
    Dec 25
    Reported Jan 22
    		$1.55$1.53+1.31%Beat+13.1%
    Sep 25
    Reported Oct 23
    		$1.47$1.47+0.00%Beat+9.7%
    Jun 25
    Reported Jul 24
    		$1.38$1.38+0.00%Beat+10.4%
    Mar 25
    Reported Apr 24
    		$1.33$1.31+1.53%Beat+10.8%
    Dec 24
    Reported Mar 17
    		$1.37$1.38-0.72%Miss+16.1%
    Sep 24
    Reported Oct 24
    		$1.34$1.31+2.29%Beat+14.5%
    Jun 24
    Reported Jul 25
    		$1.25$1.19+5.04%Beat+13.6%
    Mar 24
    Reported Apr 25
    		$1.20$1.17+2.56%Beat+8.1%
    Dec 23
    Reported Mar 29
    		$1.18$1.17+0.85%Beat+7.3%
    Sep 23
    Reported Oct 23
    		$1.17$1.13+3.54%Beat+24.5%
    Jun 23
    Reported Jul 25
    		$1.10$1.05+4.76%Beat+41.0%
    Mar 23
    Reported Apr 25
    		$1.11$0.94+18.09%Beat+68.2%
    Dec 22
    Reported Mar 27
    		$1.10$0.99+11.11%Beat+59.4%
    Sep 22
    Reported Oct 25
    		$0.94$0.86+9.30%Beat+49.2%
    Jun 22
    Reported Jul 25
    		$0.78$0.71+9.86%Beat+36.8%
    Mar 22
    Reported Apr 25
    		$0.66$0.65+1.54%Beat+24.5%
    Dec 21
    Reported Mar 11
    		$0.69$0.65+6.15%Beat+35.3%
    Sep 21
    Reported Oct 25
    		$0.63$0.62+1.61%Beat+31.3%
    Jun 21
    Reported Jul 26
    		$0.57$0.56+1.79%Beat+72.7%
    Mar 21
    Reported Apr 26
    		$0.53$0.50+6.00%Beat+60.6%
    Dec 20
    Reported Mar 19
    		$0.51$0.51+0.00%Beat+2.0%
    Sep 20
    Reported Oct 23
    		$0.48$0.48+0.00%Beat-2.0%
    Jun 20
    Reported Jul 24
    		$0.33$0.44-25.00%Miss-26.7%
    Mar 20
    Reported Apr 24
    		$0.33$0.48-31.25%Miss-15.4%
    Dec 19
    Reported Mar 12
    		$0.50$0.52-3.85%Miss+35.1%
    Sep 19
    Reported Oct 25
    		$0.49$0.47+4.26%Beat+48.5%
    Jun 19
    Reported Jul 25
    		$0.45$0.41+9.76%Beat+55.2%
    Mar 19
    Reported Apr 25
    		$0.39$0.37+5.41%Beat+50.0%
    Dec 18
    Reported Mar 14
    		$0.37$0.37+0.00%Beat+105.6%
    Sep 18
    Reported Oct 25
    		$0.33$0.33+0.00%Beat+106.3%
    Jun 18
    Reported Jul 25
    		$0.29$0.29+0.00%Beat+61.1%
    Mar 18
    Reported Apr 25
    		$0.26$0.25+4.00%Beat+62.5%
    Dec 17
    Reported Mar 29
    		$0.18$0.18+0.00%Beat-
    Sep 17
    Reported Oct 25
    		$0.16$0.16+0.00%Beat-
    Jun 17
    Reported Jul 25
    		$0.18N/AN/ABeat-
    Mar 17
    Reported Jun 27
    		$0.16N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield0.67%
    Forward Annual Dividend$0.80
    Payout Ratio17.80%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec
    ESQ dividend history and ex-dividend datesRun ESQ in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio19.76EV/EBITDA16.35x
    Price/FCF22.39xFCF Yield4.47%
    Profitability
    Profit Margin35.30%Operating Margin49.80%
    ROE18.30%ROICN/A
    Financial Health
    Debt/Equity0.00xInterest Coverage3.45x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.40Avg Volume184.71K
    52-Week High$134.4552-Week Low$91.45

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$118.49
    SMA 20$119.50
    SMA 50$120.07
    SMA 200$113.20
    EMA 10$118.85
    EMA 20$119.06
    EMA 50$119.36
    EMA 200$113.33

    MACD

    Line: -0.31Signal: -0.36Hist: 0.05

    ADX

    ADX: 12.4+DI: 23.9-DI: 26.1

    Aroon & PSAR

    Aroon Up44.0
    Aroon Down76.0
    PSAR$114.04

    Bollinger Bands

    Upper Band$124.02
    Lower Band$114.98
    %B Position757%(Upper)
    Band Width0.44

    RSI (14-Day)

    Neutral
    49.3

    Momentum Oscillators

    Stoch %K49.8
    Stoch %D50.0
    Williams %R-37.7
    ROC (10d)0.6%
    Momentum0.76
    CCI (20d)-37.0
    MFI (14d)36.8

    Volatility Measures

    ATR (14d)$3.17(2.7%)
    StdDev (20d)2.26
    Hist Vol21.9%(Moderate)

    Volume Flow

    VWAP$118.67
    OBV1.7M
    AD Line-11.3M
    CMF (20d)-0.326

    Volume Metrics

    Avg Vol (20d)170.4K
    Vol Ratio0.9x
    VWMA (20d)$120.27

    Pivot Points

    R3$122.48
    R2$121.18
    R1$119.52
    Pivot Point$118.21
    S1$116.55
    S2$115.25
    S3$113.59

    Advanced Oscillators

    TSI-2.85
    Ultimate Osc53.3
    KST-4.76

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$42.13M$40.46M$39.40M$37.57M$35.83M$33.76M$33.05M$31.92M$30.60M$29.25M$28.94M$28.25M
    Cost of RevenueN/A$5.03M$4.96M$6.54M$7.81M$5.40M$5.60M$4.27M$4.06M$4.21M$4.40M$3.38M
    Gross ProfitN/A$40.46M$39.40M$35.82M$32.31M$32.26M$31.36M$30.92M$29.60M$28.25M$27.44M$27.05M
    Operating Expenses$21.11M$20.66M$19.06M$18.36M$17.06M$16.75M$15.69M$15.36M$15.23M$14.57M$13.90M$13.76M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$17.10M$20.30M$17.46M$15.24M$15.51M$15.67M$15.56M$14.37M$13.68M$13.54M$13.29M
    Interest Income$41.30M$39.03M$38.24M$36.13M$33.54M$31.51M$30.78M$29.13M$27.39M$26.07M$25.57M$23.90M
    Interest Expense$5.55M$5.03M$4.96M$4.79M$4.28M$3.90M$3.90M$3.27M$3.06M$3.21M$2.90M$2.18M
    Income Before Tax$18.13M$17.10M$17.43M$17.46M$15.24M$15.51M$15.67M$15.56M$14.37M$13.68M$13.54M$13.29M
    Income Tax Expense$5.15M$4.89M$3.97M$3.40M$3.35M$4.11M$3.92M$4.20M$3.88M$3.63M$3.65M$3.46M
    Net Income$12.98M$12.21M$13.47M$14.06M$11.89M$11.41M$11.75M$11.36M$10.49M$10.06M$9.88M$9.84M
    EBITDA$19.03M$17.88M$18.14M$18.18M$15.95M$16.21M$16.29M$16.00M$15.07M$14.14M$13.79M$13.45M
    EBIT$18.13M$17.10M$17.43M$17.46M$15.24M$15.51M$15.67M$15.56M$14.37M$13.68M$13.54M$13.29M
    * Some calculated fields are derived from available data when not provided by source

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    News

    3.45M shares went to Signature holders in Esquire Financial (ESQ)'s completed merger.

    Esquire Financial Holdings, Inc. completed its acquisition of Signature Bancorporation, Inc. on August 1, 2026, with Signature Bank merging into Esquire Bank. The pro forma financials as of March 31, 2026...

    Stock Titan•10/15/26•Bullish

    Esquire Financial Holdings And 2 Other Growth Companies With Strong Insider Ownership

    This article highlights three growth companies with strong insider ownership: Esquire Financial Holdings (ESQ), Starling Oncology (STLN), and Commerce.com (CMRC). It discusses their financial performance...

    Simply Wall Street•10/13/26•Somewhat-Bullish

    Esquire Financial Holdings shows strong growth but faces valuation and integration risks after Signature Bancorporation deal

    Esquire Financial Holdings has shown significant growth and profitability, primarily due to its specialized banking focus and the acquisition of Signature Bancorporation. Despite doubling its loans and earnings...

    Pluang•10/12/26•Somewhat-Bearish

    Price-Driven Insight from (ESQ) for Rule-Based Strategy

    Esquire Financial Holdings Inc. (NYSE: ESQ) shows a weak near and mid-term sentiment but a strong long-term outlook...

    Stock Traders Daily•10/11/26•Neutral

    Esquire Financial Holdings, Inc. Announces Third Quarter 2026 Earnings Release and Conference Call on October 27, 2026

    Esquire Financial Holdings, Inc. (NASDAQ: ESQ) will announce its third quarter 2026 financial results after the market closes on Tuesday, October 27...

    Moomoo•10/9/26•Neutral

    ESQ Valuation and Fair Value

    P/E
    19.8x
    EV/EBITDA
    16.4x
    P/FCF
    22.4x
    PEG
    0.0x
    P/B
    4.6x
    See GNG's fair value

    ESQ Profitability: Margins, ROIC and FCF

    Operating margin
    49.8%
    Net margin
    35.3%
    ROE
    18.3%
    FCF margin
    40.3%
    FCF yield
    4.5%

    ESQ Competitors

    CompanyTicker
    Triumph Financial, Inc.TFIN
    BlackRock Capital Allocation TrustBCAT
    Capital Southwest CorporationCSWC
    United Fire Group IncUFCS
    Trinity Capital Inc.TRIN
    Lakeland Financial CorporationLKFN
    ConnectOne Bancorp, Inc.CNOB
    Bitfarms LtdBITF

    Sector: Financial Services

    ESQ Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    1
    Hold
    1
    Sell
    0
    Strong Sell
    0

    ESQ Bull Case vs Bear Case

    Bull case

    • ESQ converts 40.3% of revenue into free cash flow.
    • ESQ has a 35.3% net profit margin.
    • ESQ grew quarterly revenue 21.4% year over year.

    ESQ Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    -0.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.89
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    ESQ Dividend

    Forward yield
    0.7%
    Payout ratio
    17.8%
    Pay months
    Mar, Jun, Sep, Dec
    ESQ dividend history

    Frequently Asked Questions About ESQ

    What is ESQ's current dividend yield?

    Esquire Financial Holdings Inc (ESQ) has a forward dividend yield of 0.67%.

    Does ESQ pay dividends?

    Yes, Esquire Financial Holdings Inc pays dividends with a forward dividend yield of 0.67%.

    What is ESQ's P/E ratio?

    Esquire Financial Holdings Inc has a price-to-earnings (P/E) ratio of 19.76.

    What is ESQ's market cap?

    Esquire Financial Holdings Inc (ESQ) has a market capitalization of $1.44B with a current stock price of $118.95.

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