Esquire Financial Holdings Inc (ESQ) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Esquire Financial Holdings Inc stock (ESQ) is currently trading at $106.85. Esquire Financial Holdings Inc PE ratio is 17.94. Esquire Financial Holdings Inc PS ratio (Price-to-Sales) is 6.65. Analyst consensus price target for ESQ is $122.50. WallStSmart rates ESQ as Hold.
- ESQ PE ratio analysis and historical PE chart
- ESQ PS ratio (Price-to-Sales) history and trend
- ESQ intrinsic value — DCF, Graham Number, EPV models
- ESQ stock price prediction 2025 2026 2027 2028 2029 2030
- ESQ fair value vs current price
- ESQ insider transactions and insider buying
- Is ESQ undervalued or overvalued?
- Esquire Financial Holdings Inc financial analysis — revenue, earnings, cash flow
- ESQ Piotroski F-Score and Altman Z-Score
- ESQ analyst price target and Smart Rating
Esquire Financial Holdings Inc
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ESQ Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Esquire Financial Holdings Inc (ESQ)
ESQ trades at a significant discount to its Graham intrinsic value of $167.93, offering a 35% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Esquire Financial Holdings Inc (ESQ) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, profit margin, institutional own.. Fundamentals are solid but monitor weak areas for improvement.
Esquire Financial Holdings Inc (ESQ) Key Strengths (4)
Keeps $49 of every $100 in revenue after operating costs
Keeps $37 of every $100 in revenue as net profit
72.09% of shares held by major funds and institutions
Solid profitability: $19 profit per $100 equity
Esquire Financial Holdings Inc (ESQ) Areas to Watch (5)
Premium valuation at 6.7x annual revenue
Premium pricing at 3.1x book value
Small-cap company with higher risk but more growth potential
Solid revenue growth at 16.40% per year
Solid earnings growth at 13.60%
Supporting Valuation Data
Esquire Financial Holdings Inc (ESQ) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.3/10) while 5 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Profitability is solid with Return on Equity at 19.30%, Operating Margin at 48.50%, Profit Margin at 37.10%.
The Bear Case
The primary concerns are Price/Sales, Price/Book, Market Cap. Some valuation metrics including Price/Sales (6.65), Price/Book (3.14) suggest expensive pricing. Growth concerns include Revenue Growth at 16.40%, EPS Growth at 13.60%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 19.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 16.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Price/Sales, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ESQ Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ESQ's Price-to-Sales ratio of 6.65x trades at a 26% premium to its historical average of 5.26x (83th percentile). The current valuation is 24% below its historical high of 8.71x set in Jun 2018, and 163% above its historical low of 2.53x in Sep 2020. Over the past 12 months, the PS ratio has expanded from ~4.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Esquire Financial Holdings Inc (ESQ) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Esquire Financial Holdings Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 137M with 16% growth year-over-year. Profit margins are strong at 37.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1930.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 37.1% and operating margin of 48.5% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 66.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Esquire Financial Holdings Inc.
Bottom Line
Esquire Financial Holdings Inc offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Esquire Financial Holdings Inc(ESQ)
NASDAQ
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.