Esquire Financial (ESQ) Stock Price, News & Analysis

Company Overview

Esquire Financial Holdings, Inc. is the bank holding company for Esquire Bank, a commercial bank headquartered in Jericho, New York. Founded in 2006, Esquire Bank focuses on serving the financial needs of law firms, attorneys and other professionals, as well as small and medium-sized businesses and individual customers.

The bank offers commercial and consumer banking products, including business and personal deposit accounts, commercial real estate and business loans, lines of credit, legal-industry financing, residential mortgage loans and treasury management services. Its offerings are designed to support operating needs such as payments, cash management, liquidity and financing.

Esquire Bank primarily serves customers in the New York metropolitan area and selected markets in Florida through its branch network and digital banking services. Andrew C. Kaplan serves as the company’s President and Chief Executive Officer.

Key Stats

• Today's Range: $116.91 to $119.87
• 50-Day Range: $111.56 to $132.92
• 52-Week Range: $92.10 to $134.82
• Volume: 115,285 shs
• Average Volume: 189,936 shs
• Market Capitalization: $1.43 billion
• P/E Ratio: 19.45
• Dividend Yield: 0.68%
• Price Target: $120.33
• Consensus Rating: Buy

Esquire Financial Stock Analysis - MarketRank™

Esquire Financial scored higher than 54% of companies evaluated by MarketBeat, and ranked 610th out of 846 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: 2.0 / 5
• Analyst Rating: Buy

Consensus Rating

Esquire Financial has received a consensus rating of Buy. The company's average rating score is 3.25, and is based on 2 strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Esquire Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 19.58%

Earnings Growth

Earnings for Esquire Financial are expected to grow by 19.58% in the coming year, from $7.10 to $8.49 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Esquire Financial is 19.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.88.

Price to Earnings Ratio vs. Sector

The P/E ratio of Esquire Financial is 19.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.46.

Price to Book Value per Share Ratio

Esquire Financial has a P/B Ratio of 3.49. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

12.02% 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 5.23.

Change versus previous month

Short interest in Esquire Financial has recently increased by 23.17%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Esquire Financial has a dividend yield of 0.67%, 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 13.20%. 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 9.42% next year. This indicates that Esquire Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.56

News Sentiment

Esquire Financial has a news sentiment score of 0.56. 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 4 news articles for Esquire Financial this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for ESQ on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 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 $1,616,100.00 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

• Last Earnings: 7/23/2026
• Record date for 9/1 Dividend: 8/14/2026
• Ex-Dividend for 9/1 Dividend: 8/14/2026
• Dividend Payable: 9/01/2026
• Today: 10/15/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

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: $120.33
• High Price Target: $125.00
• Low Price Target: $116.00
• Potential Upside/Downside: +2.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.06
• Trailing P/E Ratio: 19.45
• Forward P/E Ratio: 16.60
• P/E Growth: N/A
• Net Income: $50.82 million
• Net Margins: 29.30%
• Pretax Margin: 38.98%
• Return on Equity: 18.22%
• Return on Assets: 2.27%

Debt

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

Sales & Book Value

• Annual Sales: $164.50 million
• Price / Sales: 8.67
• Cash Flow: $6.13 per share
• Price / Cash Flow: 19.22
• Book Value: $33.81 per share
• Price / Book: 3.49

Miscellaneous

• Outstanding Shares: 12,100,000
• Free Float: 10,422,000
• Market Cap: $1.43 billion
• Optionable: Not Optionable
• Beta: 0.40