Esquire Financial (ESQ) Stock Price, News & Analysis

Company Overview

Esquire Financial Holdings, Inc. is the bank holding company for Esquire Bank, a community bank focused on serving the legal industry and small businesses. The bank offers commercial banking services, including business deposit accounts and lending, as well as payment-processing solutions.

Esquire Bank provides financing to law firms and businesses connected to the legal sector, including litigation-related lending. It also serves small businesses with banking and working-capital solutions. Its specialized focus distinguishes it from banks serving a broader range of commercial customers.

Founded in 2006, Esquire Bank is headquartered in Jericho, New York, and serves clients across the United States. Andrew C. Sagliocca has served as the company’s president and chief executive officer.

Key Stats

• Today's Range: $130.55 to $132.53
• 50-Day Range: $115.70 to $133.43
• 52-Week Range: $94.00 to $134.82
• Volume: 26,870 shs
• Average Volume: 127,035 shs
• Market Capitalization: $1.60 billion
• P/E Ratio: 21.91
• Dividend Yield: 0.61%
• Price Target: $122.50
• Consensus Rating: Strong Buy

Esquire Financial Stock Analysis - MarketRank™

Esquire Financial scored higher than 71% of companies evaluated by MarketBeat, and ranked 449th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Strong Buy

Consensus Rating

Esquire Financial has received a consensus rating of Strong Buy. The company's average rating score is 3.50, and is based on 3 strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Downside Risk

Esquire Financial has a consensus price target of $122.50, representing about 6.7% downside from its current price of $131.35.

Amount of Analyst Coverage

Esquire Financial has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 20.43%

Earnings Growth

Earnings for Esquire Financial are expected to grow by 20.43% in the coming year, from $7.49 to $9.02 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Esquire Financial is 21.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.34.

Price to Earnings Ratio vs. Sector

The P/E ratio of Esquire Financial is 21.86, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.45.

Price to Book Value per Share Ratio

Esquire Financial has a P/B Ratio of 2.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

12.07% of the float of Esquire Financial has been sold short.

Short Interest Ratio / Days to Cover

Esquire Financial has a short interest ratio ("days to cover") of 7.96.

Change versus previous month

Short interest in Esquire Financial has recently decreased by 2.37%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Esquire Financial has a dividend yield of 0.60%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Esquire Financial has only been increasing its dividend for 4 years.

Dividend Coverage

The dividend payout ratio of Esquire Financial is 13.31%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Esquire Financial will have a dividend payout ratio of 8.87% next year. This indicates that Esquire Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 0.97

News Sentiment

Esquire Financial has a news sentiment score of 0.97. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Esquire Financial this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for ESQ on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.9 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Esquire Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $5,263,500.00 in company stock.

Percentage Held by Insiders

13.90% of the stock of Esquire Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

54.66% of the stock of Esquire Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 9/1 Dividend: 8/14/2026
• Ex-Dividend for 9/1 Dividend: 8/14/2026
• Dividend Payable: 9/01/2026
• Last Earnings: 10/27/2026
• Today: 11/13/2026
• Record date for 12/1 Dividend: 11/13/2026
• Ex-Dividend for 12/1 Dividend: 11/13/2026
• Dividend Payable: 12/01/2026
• Fiscal Year End: 12/31/2026
• Next Earnings (Estimated): 1/28/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:ESQ
• Previous Symbol: NYSE:ESQ
• CIK: 1531031
• Web: www.esquirebank.com
• Phone: (516) 535-2002
• Fax: 516-535-5825
• Employees: 151
• Year Founded: 2006

Price Target and Rating

• Average Price Target for Esquire Financial: $122.50
• High Price Target: $125.00
• Low Price Target: $120.00
• Potential Upside/Downside: -6.4%
• Consensus Rating: Strong Buy
• Rating Score (0-4): 3.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.01
• Trailing P/E Ratio: 21.79
• Forward P/E Ratio: 14.52
• P/E Growth: N/A
• Net Income: $50.82 million
• Net Margins: 26.92%
• Pretax Margin: 36.58%
• Return on Equity: 15.32%
• Return on Assets: 2.14%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.96
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $164.50 million
• Price / Sales: 9.68
• Cash Flow: $6.19 per share
• Price / Cash Flow: 21.16
• Book Value: $64.66 per share
• Price / Book: 2.03

Miscellaneous

• Outstanding Shares: 12,160,000
• Free Float: 10,474,000
• Market Cap: $1.59 billion
• Optionable: Not Optionable
• Beta: 0.36