ESQ
Neutral signalScored 2026-09-24 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Esquire Financial Holdings, Inc.
- Nom
- Esquire Financial Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $1.5B
- Employés
- 151
- PDG
- Andrew C. Sagliocca
- Site web
- https://www.esquirebank.com
- Marché
- —
Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and financial services across the United States. Its clientele includes the legal sector, small businesses, and both corporate and individual clients. The company's deposit offerings encompass checking, savings, money market, and time deposits, alongside certificates of deposit. Its lending portfolio is extensive, providing commercial loans tailored for operational liquidity, such as short-term funding for inventory, accounts receivable, or supplies, in addition to financing for approved merchant clientele. It also extends commercial lines of credit. Consumer loan options are available for various needs, including post-settlement and structured settlement financing for plaintiffs and claimants, as well as personal loans to individuals for purposes like consolidating debt, covering medical costs, managing living expenses, or settling outstanding bills. Furthermore, it originates real estate loans for multifamily, single-family residential, commercial properties, and construction projects. Merchant services are another component of its offerings. Established in 2006, Esquire Financial Holdings, Inc. maintains its primary corporate office in Jericho, New York. As of early 2022 (specifically January 25), its physical presence included a full-service branch situated in Jericho, New York, and an administrative hub located in Boca Raton, Florida.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 10 000 titres (~1 227 300,00 $ US)
- Insiders
- Sagliocca Andrew C
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,616,092
Avg sell (VWAP, 90d window) $124.31 vs last close $117.82 (-5.2%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-18
- Liquidity
- Liquid $25,525,685/day · 20d vol
- Last synced
-
2026-09-29 21:10:25
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-18 | Sagliocca Andrew C | Sell · S | 10,000 | $122.73 | $1,227,300 | Form 4 |
| 2026-07-30 | Mitzman Robert | Sell · S | 3,000 | $129.60 | $388,792 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-24 Drivers: fundamentals. Moteurs : fondamentaux.
ESQ presents exceptionally strong financial health with near-perfect liquidity (score 95) and solid fundamentals (score 75), making it a high-quality balance sheet candidate.
The first sentence of the analysis written for ESQ on 2026-09-24 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. Weekly bias is flat
- Financial indicators Supports a bullish reading. Current ratio 488.25 · operating margin 42%
Suggested stop 107.33, nearest stored support minus 0.5 ATR(8.9% under the last close). Reward/risk to the next stored resistance is 0.09. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 85.0% | 86.9% | 89.6% | 94.0% | 88.1% | |
| Ebit Margin | 41.7% | 42.9% | 45.9% | 45.2% | 34.6% | |
| Ebitda Margin | 43.3% | 45.3% | 48.0% | 48.1% | 38.0% | |
| Operating Profit Margin | 41.7% | 42.9% | 45.9% | 45.2% | 34.6% | |
| Pretax Profit Margin | 39.9% | 42.9% | 45.9% | 45.2% | 34.6% | |
| Continuous Operations Profit Margin | 30.9% | 31.6% | 33.7% | 33.2% | 27.3% | |
| Net Profit Margin | 30.9% | 31.6% | 33.7% | 33.2% | 27.3% | |
| Bottom Line Profit Margin | 30.9% | 31.6% | 33.7% | 33.2% | 27.3% | |
| Current Ratio | 488.251 | 0.230 | 0.211 | 0.226 | 0.292 | |
| Quick Ratio | 488.251 | 0.230 | 0.211 | 0.226 | 0.292 | |
| Solvency Ratio | 0.026 | 0.028 | 0.031 | 0.025 | 0.019 | |
| Cash Ratio | 238.752 | 0.077 | 0.117 | 0.133 | 0.144 | |
| Price To Earnings Ratio | 16.202 | 14.247 | 9.409 | 11.598 | 13.125 | |
| Price To Earnings Growth Ratio | 1.256 | 2.802 | 0.222 | 0.209 | 0.319 | |
| Forward Price To Earnings Growth Ratio | 1.256 | 2.802 | 0.222 | 0.209 | 0.319 | |
| Price To Earnings Diluted Ratio | 17.359 | 15.467 | 10.175 | 12.467 | 13.938 | |
| Price To Earnings Diluted Growth Ratio | 1.206 | 3.302 | 0.245 | 0.233 | 0.377 | |
| Price To Book Ratio | 3.070 | 2.621 | 1.941 | 2.089 | 1.637 | |
| Price To Sales Ratio | 5.404 | 4.495 | 3.169 | 3.846 | 3.589 | |
| Price To Free Cash Flow Ratio | 15.685 | 15.911 | 9.785 | 8.797 | 8.672 | |
| Price To Operating Cash Flow Ratio | 14.856 | 14.724 | 9.092 | 8.517 | 7.823 | |
| Debt To Assets Ratio | 0.001 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Debt To Equity Ratio | 0.009 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Debt To Capital Ratio | 0.009 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 8.169 | 7.982 | 8.143 | 8.824 | 8.201 | |
| Working Capital Turnover Ratio | -0.420 | -0.116 | -0.118 | -0.102 | -0.097 | |
| Operating Cash Flow Ratio | 60.567 | 0.026 | 0.030 | 0.031 | 0.029 | |
| Operating Cash Flow Sales Ratio | 0.364 | 0.305 | 0.349 | 0.452 | 0.459 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.947 | 0.925 | 0.929 | 0.968 | 0.902 | |
| Debt Service Coverage Ratio | 2.987 | 3.492 | 5.366 | 18.863 | 24.348 | |
| Interest Coverage Ratio | 3.820 | 4.409 | 6.886 | 23.559 | 27.425 | |
| Short Term Operating Cash Flow Coverage Ratio | 60.567 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 22.658 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Capital Expenditure Coverage Ratio | 18.931 | 13.405 | 14.115 | 31.389 | 10.217 | |
| Dividend Paid And Capex Coverage Ratio | 6.633 | 5.280 | 6.307 | 11.461 | 10.217 | |
| Dividend Payout Ratio | 0.115 | 0.111 | 0.091 | 0.075 | 0.000 | |
| Enterprise Value Multiple | 9.200 | 7.915 | 3.771 | 4.022 | 3.454 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 85.0% | ▼-1.9% | ▼-3.7% |
| Ebit Margin | 41.6% | ▼-1.2% | ▼-0.4% |
| Ebitda Margin | 43.3% | ▼-1.9% | ▼-1.2% |
| Operating Profit Margin | 41.6% | ▼-1.2% | ▼-0.4% |
| Pretax Profit Margin | 39.9% | ▼-3.0% | ▼-1.8% |
| Continuous Operations Profit Margin | 30.9% | ▼-0.7% | ▼-0.4% |
| Net Profit Margin | 30.9% | ▼-0.7% | ▼-0.4% |
| Bottom Line Profit Margin | 30.9% | ▼-0.7% | ▼-0.4% |
| Current Ratio | 488.251 | ▲488.021 | ▲390.409 |
| Quick Ratio | 488.251 | ▲488.021 | ▲390.409 |
| Solvency Ratio | 0.026 | ▼-0.003 | ▼-0.000 |
| Cash Ratio | 238.752 | ▲238.675 | ▲190.907 |
| Price To Earnings Ratio | 16.202 | ▲1.954 | ▲3.285 |
| Price To Earnings Growth Ratio | 1.256 | ▼-1.546 | ▲0.294 |
| Forward Price To Earnings Growth Ratio | 1.256 | ▼-1.546 | ▲0.294 |
| Price To Earnings Diluted Ratio | 17.359 | ▲1.892 | ▲3.478 |
| Price To Earnings Diluted Growth Ratio | 1.206 | ▼-2.096 | ▲0.133 |
| Price To Book Ratio | 3.070 | ▲0.448 | ▲0.798 |
| Price To Sales Ratio | 5.404 | ▲0.909 | ▲1.304 |
| Price To Free Cash Flow Ratio | 15.685 | ▼-0.226 | ▲3.915 |
| Price To Operating Cash Flow Ratio | 14.856 | ▲0.132 | ▲3.854 |
| Debt To Assets Ratio | 0.001 | ▲0.001 | ▲0.001 |
| Debt To Equity Ratio | 0.009 | ▲0.009 | ▲0.007 |
| Debt To Capital Ratio | 0.009 | ▲0.009 | ▲0.007 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 8.169 | ▲0.187 | ▼-0.095 |
| Working Capital Turnover Ratio | -0.420 | ▼-0.304 | ▼-0.250 |
| Operating Cash Flow Ratio | 60.567 | ▲60.541 | ▲48.430 |
| Operating Cash Flow Sales Ratio | 0.364 | ▲0.059 | ▼-0.022 |
| Free Cash Flow Operating Cash Flow Ratio | 0.947 | ▲0.022 | ▲0.013 |
| Debt Service Coverage Ratio | 2.986 | ▼-0.505 | ▼-8.025 |
| Interest Coverage Ratio | 3.820 | ▼-0.589 | ▼-9.400 |
| Short Term Operating Cash Flow Coverage Ratio | 60.567 | ▲60.567 | ▲48.453 |
| Operating Cash Flow Coverage Ratio | 22.658 | ▲22.658 | ▲18.127 |
| Capital Expenditure Coverage Ratio | 18.931 | ▲5.526 | ▲1.319 |
| Dividend Paid And Capex Coverage Ratio | 6.633 | ▲1.353 | ▼-1.347 |
| Dividend Payout Ratio | 0.115 | ▲0.004 | ▲0.037 |
| Enterprise Value Multiple | 9.200 | ▲1.285 | ▲3.528 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $889.0M | $621.5M | $385.5M | $330.4M | $235.3M | |
| Enterprise value | $655.8M | $495.2M | $220.3M | $166.3M | $86.1M | |
| EV / Sales | 3.99x | 3.58x | 1.81x | 1.94x | 1.31x | |
| EV / Op. cash flow | 10.96x | 11.73x | 5.20x | 4.29x | 2.86x | |
| EV / Free cash flow | 11.57x | 12.68x | 5.59x | 4.43x | 3.17x | |
| EV / EBITDA | 9.20x | 7.92x | 3.77x | 4.02x | 3.45x | |
| Net debt / EBITDA | -3.27x | -2.02x | -2.83x | -3.97x | -5.98x | |
| Current ratio | 488.25x | 0.23x | 0.21x | 0.23x | 0.29x | |
| Income quality | 1.18x | 0.97x | 1.03x | 1.36x | 1.68x | |
| Graham number | $66 | $62 | $55 | $42 | $32 | |
| Graham net-net | -$182 | -$164 | -$146 | -$126 | -$98 | |
| Tax burden | 77.5% | 73.6% | 73.4% | 73.5% | 78.9% | |
| Interest burden | 95.8% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $481.4M | -$1.26B | -$1.11B | -$958.3M | -$733.3M | |
| Invested capital | $485.8M | -$1.26B | -$1.11B | -$955.6M | -$730.0M | |
| Return on assets | 2.1% | 2.3% | 2.5% | 2.0% | 1.5% | |
| Operating ROA | 3.2% | 3.4% | 3.7% | 3.0% | 2.1% | |
| Return on tangible assets | 2.1% | 2.3% | 2.5% | 2.0% | 1.5% | |
| Return on equity | 17.6% | 18.4% | 20.7% | 18.0% | 12.5% | |
| Return on invested capital | 10.9% | 17.4% | 19.6% | 18.0% | 12.5% | |
| Return on capital employed | 2.9% | 23.7% | 26.7% | 24.5% | 15.8% | |
| Earnings yield | 5.7% | 7.0% | 10.6% | 8.6% | 7.6% | |
| Free cash flow yield | 6.4% | 6.3% | 10.2% | 11.4% | 11.5% | |
| Capex / Op. cash flow | 5.3% | 7.5% | 7.1% | 3.2% | 9.8% | |
| Capex / Depreciation | 85.8% | 95.8% | 118.4% | 48.5% | 131.7% | |
| Capex / Sales | 1.9% | 2.3% | 2.5% | 1.4% | 4.5% | |
| SG&A / Sales | 27.8% | 30.6% | 28.9% | 32.3% | 35.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 3.0% | 2.8% | 2.6% | 2.8% | 3.0% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.2% | 0.0% | 0.0% | |
| Days sales outstanding | 28d | 27d | 27d | 25d | 23d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 28d | 27d | 27d | 25d | 23d | |
| Cash conversion cycle | 28d | 27d | 27d | 25d | 23d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-04 Esquire Financial (ESQ) Upgraded to Buy: Here''s What You Should Know Esquire Financial (ESQ) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company''s earnings prospects. This might drive the stock higher in the near term.
- 2026-09-04 Corient Private Wealth LP Purchases Shares of 15,838 Esquire Financial Holdings, Inc. $ESQ Corient Private Wealth LP acquired a new position in shares of Esquire Financial Holdings, Inc. (NASDAQ: ESQ) in the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The fund acquired 15,838 shares of the company''s stock, valued at approximately $1,886,000. Corient Private Wealth LP owned 0.13% of
- 2026-09-02 Esquire Bank Named a Top Deposit Franchise by S&P Global Market Intelligence for Third Consecutive Year JERICHO, N.Y., Sept. 2, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) ("Esquire"), the parent company for Esquire Bank, National Association ("Esquire Bank" or the "Bank") (collectively "Esquire"), today announced the Bank''s inclusion in S&P Global Market Intelligence''s annual U.S. Community Bank Deposit Rankings for the third consecutive year.
- 2026-08-25 Esquire Financial Holdings Ranks #3 Among Top-Performing U.S. Banks in Bank Director''s 2026 RankingBanking JERICHO, N.Y., Aug. 25, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) ("Esquire"), the parent company for Esquire Bank, National Association, today announced that it ranked third among the top-performing publicly traded U.S. banks in Bank Director''s 2026 RankingBanking.
- 2026-08-25 Bank of America Corp DE Purchases 70,646 Shares of Esquire Financial Holdings, Inc. $ESQ Bank of America Corp DE raised its position in shares of Esquire Financial Holdings, Inc. (NASDAQ: ESQ) by 418.4% during the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 87,530 shares of the company''s stock after purchasing an additional 70,646 shares during the
- 2026-08-03 Esquire Financial Holdings, Inc. (ESQ) is a Great Momentum Stock: Should You Buy? Does Esquire Financial Holdings, Inc. (ESQ) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-08-03 Esquire Financial Holdings, Inc. Completes Acquisition of Signature Bancorporation, Inc. on August 1, 2026 JERICHO, N.Y., Aug. 3, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) ("Esquire"), the parent company of Esquire Bank, National Association, (collectively "Esquire") announced today the completion of the previously announced acquisition of Signature Bancorporation, Inc., the parent company of Signature Bank (collectively "Signature"), effective August 1, 2026.
- 2026-07-30 Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders JERICHO, N.Y., July 30, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), today announced its regular quarterly dividend of $0.20 per share of common stock, payable on September 1, 2026, to each stockholder of record on August 14, 2026.
- 2026-07-27 Esquire Financial: Earnings Accelerate Ahead Of Deal Completion Esquire Financial Holdings earns a "Buy" rating following a faster pace of earnings growth in 2Q2026 and the impending completion of a value-accretive acquisition. ESQ''s litigation-linked loan book surged 41% YoY, driving Q2 EPS up 16% and exceeding consensus by 3%. The pending Signature Bancorporation acquisition diversifies ESQ''s portfolio and unlocks significant Chicago market potential.
- 2026-07-23 Esquire Financial Holdings, Inc. (ESQ) Q2 2026 Earnings Call Transcript Esquire Financial Holdings, Inc. (ESQ) Q2 2026 Earnings Call Transcript