Obermatt

Esquire Financial Holdings

NAQ:ESQ · US29667J1016
BanksSmall

360

98
Profit price7
Cash yield43
Price/Sales25
EV / Gross Profit28
Price/Book1
Returns on capital96
Profit margins
Cash Conversion58
Accruals1
Owner Earnings Margin78
Sales growth97
Profit Growth40
Owner Earnings Growth45
Reinvestment18
Price momentum30
Debt load74
Debt serviceability11
Liquidity74
Analyst ratings74
Opinion Changes50
Price Target Upside85
Market mood81
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Esquire Financial Holdings generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2015
ISINUS29667J1016
Last UpdateApr 2, 2026

Description

Esquire Financial Holdings, Inc. (Esquire Financial) is a financial holding company. The company’s wholly owned subsidiary, Esquire Bank, National Association (the ‘bank’), is a full-service commercial bank, with branch offices in Jericho, New York…

Analysis

Beloved champion

Esquire Financial Holdings, Inc. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is fair. The owner-earnings multiple stands at 18.2×; owner earnings: the cash an owner could take out each year.

Growth is solid and accelerating; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
66
2023202420252026

All-time high

100

Feb 2024

All-time low

66

Jun 2026

Average rank

84

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
25
1
9
14
Price/Earnings
39
9
74
57
Price/Book
1
3
5
12
Dividend Yield
43
10
26
26
Value (overall)
18
1
12
10

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →