Esquire Financial Holdings Inc (ESQ)vsU.S. Bancorp (USB)
ESQ
Esquire Financial Holdings Inc
$106.85
-1.32%
FINANCIAL SERVICES · Cap: $910.92M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 19153% more annual revenue ($26.35B vs $136.89M). ESQ leads profitability with a 37.1% profit margin vs 28.7%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
ESQ
Buy60
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+35.1%
Fair Value
$167.93
Current Price
$106.85
$61.08 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Attractively priced relative to earnings
Reasonable price relative to book value
16.4% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ESQ
The strongest argument for ESQ centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 37.1% and operating margin at 48.5%. Revenue growth of 16.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : ESQ
The primary concerns for ESQ are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ESQ profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
ESQ is growing revenue faster at 16.4% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 60/100), backed by strong 28.7% margins. ESQ offers better value entry with a 35.1% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Esquire Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Esquire Financial Holdings, Inc. is the banking holding company for Esquire Bank, the National Association that provides commercial banking products and services to the legal industry and small businesses, and commercial and retail customers in the United States. The company is headquartered in Jericho, New York.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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