Esquire Financial (ESQ) Stock Price, News & Analysis

Company Overview

Esquire Financial Holdings, Inc. (NASDAQ: ESQ) is a bank holding company headquartered in Jericho, New York. Through its wholly owned subsidiary, Esquire Bank, the company offers a range of deposit and lending products tailored to consumers, small businesses and commercial clients. Since its founding in 2005 (originally as Fidelity Delaware Trust Company), Esquire Financial has focused on community banking principles, combining personalized service with technology-driven solutions.

The company’s core lending activities include residential mortgage loans—encompassing purchase money, rate-and-term refinancing, jumbo and government‐insured programs—as well as home equity lines of credit. On the commercial side, Esquire Bank provides financing for owner-occupied real estate, commercial construction projects and equipment acquisition. The institution also participates in the U.S. Small Business Administration (SBA) lending programs, supporting entrepreneurial ventures across a variety of industries.

Esquire Financial’s deposit offerings feature interest-bearing checking and savings accounts, money market accounts and certificates of deposit, supported by online and mobile banking platforms. While the bank’s branch network primarily serves the greater New York metropolitan area—including Long Island, Manhattan and parts of suburban Westchester—the company’s SBA lending footprint extends on a national basis. This balanced approach allows Esquire to maintain strong community ties while accessing broader markets for specialized credit products.

Leadership at Esquire Financial is spearheaded by President and Chief Executive Officer Michael J. Webber, supported by a senior management team with deep expertise in mortgage banking, commercial finance and regulatory compliance. The board of directors brings decades of experience in financial services, guiding the company’s strategic growth initiatives and commitment to delivering high-quality, client-focused banking solutions.

Key Stats

• Today's Range: $98.91 to $100.56
• 50-Day Range: $82.92 to $99.52
• 52-Week Range: $46.10 to $101.35
• Volume: 232,814 shs
• Average Volume: 60,679 shs
• Market Capitalization: $845.75 million
• P/E Ratio: 18.90
• Dividend Yield: 0.70%
• Price Target: $92.50
• Consensus Rating: Hold

Esquire Financial Stock Analysis - MarketRank™

Esquire Financial scored higher than 50% of companies evaluated by MarketBeat, and ranked 606th out of 906 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Esquire Financial has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Esquire Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.06%

Earnings Growth

Earnings for Esquire Financial are expected to grow by 9.06% in the coming year, from $5.52 to $6.02 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Esquire Financial is 18.90, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Esquire Financial is 18.90, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.01.

Price to Book Value per Share Ratio

Esquire Financial has a P/B Ratio of 3.51. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

7.35% 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 6.6.

Change versus previous month

Short interest in Esquire Financial has recently decreased by 9.00%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Esquire Financial has a dividend yield of 0.71%, 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 13.23%. 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 11.63% next year. This indicates that Esquire Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

7.35% 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 6.6.

Change versus previous month

Short interest in Esquire Financial has recently decreased by 9.00%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.70

News Sentiment

Esquire Financial has a news sentiment score of 0.70. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Esquire Financial this week, compared to 6 articles on an average week.

Search Interest

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

Company Ownership

• Score: 2.5 / 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 $1,921,810.00 in company stock.

Percentage Held by Insiders

18.00% 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.

ESQ Stock Analysis - Frequently Asked Questions

How have ESQ shares performed this year?

Esquire Financial's stock was trading at $79.50 at the beginning of the year. Since then, ESQ shares have increased by 25.8% and is now trading at $99.98.

How were Esquire Financial's earnings last quarter?

Esquire Financial Holdings, Inc. (NASDAQ:ESQ) released its earnings results on Thursday, April, 24th. The company reported $1.33 earnings per share for the quarter, topping the consensus estimate of $1.30 by $0.03. The firm earned $33.76 million during the quarter, compared to analysts' expectations of $30.71 million. Esquire Financial had a net margin of 31.37% and a trailing twelve-month return on equity of 19.20%.

When did Esquire Financial IPO?

Esquire Financial (ESQ) raised $39 million in an initial public offering on Tuesday, June 27th 2017. The company issued 2,600,000 shares at a price of $14.00-$16.00 per share. Sandler O’Neill & Partners served as the underwriter for the IPO.

How do I buy shares of Esquire Financial?

Shares of ESQ stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Esquire Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Esquire Financial investors own include Waste Connections (WCN), The RMR Group (RMR), American Water Works (AWK), DiamondRock Hospitality (DRH), AU Optronics (AUOTY), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 6/2 Dividend: 5/15/2025
• Ex-Dividend for 6/2 Dividend: 5/15/2025
• Dividend Payable: 6/02/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ESQ
• Previous Symbol: NYSE:ESQ
• CIK: 1531031
• Web: www.esquirebank.com
• Phone: (516) 535-2002
• Fax: 516-535-5825
• Employees: 110
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $92.50
• High Stock Price Target: $94.00
• Low Stock Price Target: $91.00
• Potential Upside/Downside: -7.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.29
• Trailing P/E Ratio: 18.81
• Forward P/E Ratio: 18.03
• P/E Growth: N/A
• Net Income: $43.66 million
• Net Margins: 31.37%
• Pretax Margin: 42.59%
• Return on Equity: 19.20%
• Return on Assets: 2.45%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $138.27 million
• Price / Sales: 6.09
• Cash Flow: $5.65 per share
• Price / Cash Flow: 17.61
• Book Value: $28.49 per share
• Price / Book: 3.49

Miscellaneous

• Outstanding Shares: 8,460,000
• Free Float: 6,939,000
• Market Cap: $841.94 million
• Optionable: Not Optionable
• Beta: 0.52