Esquire Financial Holdings Inc (ESQ)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 129.20 $ — 93% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
9 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 24.2% passed
- More than 10% revenue growth is expected for the coming year 53.2% passed
- Share count grows by less than 3% a year 2.4% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 53.4% passed
- Gross margin at 40% or higher and without meaningful erosion 85.0% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 480 m net cash passed
- Operating cash flow covers the profits of the last three years 9 m passed
- Return on capital at 15% or higher, or up versus two years ago 2.9% failed
- Insiders hold at least 10% or are net buyers 17.5% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 0.6% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 6.90 | 6.90 – 6.90 | 181 | 17.5% | 1 |
| 12/31/2027 | 8.60 | 8.50 – 8.70 | 263 | 24.6% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.81 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.38 | 17.30 | 37 | 16.10 | 31.80 | 12 | 11 |
| 2025: Q1 | 1.33 | 10.80 | 38 | 16.00 | 30.30 | 16 | 14 |
| 2025: Q2 | 1.38 | 10.50 | 40 | 19.20 | 29.60 | 11 | 9 |
| 2025: Q3 | 1.63 | 21.70 | 42 | 20.40 | 33.20 | 17 | 15 |
| 2025: Q4 | 1.55 | 12.10 | 44 | 20.00 | 30.40 | 17 | 12 |
| 2026: Q1 | 1.40 | 5.80 | 46 | 20.80 | 26.80 | 20 | 19 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 20 | 5 | 3 | 0.56 | 6 | 52 | 425 |
| 2017 | 26 | 7 | 4 | 0.58 | 4 | 83 | 534 |
| 2018 | 37 | 12 | 9 | 1.13 | 10 | 93 | 664 |
| 2019 | 48 | 19 | 14 | 1.82 | 16 | 798 | 798 |
| 2020 | 53 | 17 | 13 | 1.65 | 16 | 937 | 937 |
| 2021 | 66 | 23 | 18 | 2.26 | 30 | 144 | 1,179 |
| 2022 | 86 | 39 | 29 | 3.52 | 39 | 158 | 1,396 |
| 2023 | 109 | 56 | 41 | 4.91 | 42 | 199 | 1,617 |
| 2024 | 138 | 59 | 44 | 5.14 | 42 | 237 | 1,893 |
| 2025 | 165 | 69 | 51 | 5.84 | 60 | 290 | 2,366 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Esquire Financial Holdings, Inc. ist die Bankholding der Esquire Bank, National Association, die Geschäftsbankprodukte und -dienstleistungen für Anwaltskanzleien und kleine Unternehmen sowie Geschäfts- und Privatkunden in den USA anbietet.
| Employees | 151 |
|---|---|
| Headquarters | Jericho, NY |
| Address | 100 Jericho Quadrangle, 11753 Jericho, United States |
| Phone | 516 535 2002 |
| Website | esquirebank.com |
| IPO Date | 27. Jun 2017 |
| ISIN | US29667J1016 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Andrew C. Sagliocca | Vice Chairman, CEO & President | 1968 |
| Ari P. Kornhaber Esq. | Founder, Executive VP & Head of Corporate Development | 1972 |
| Michael Lacapria | Senior VP & CFO | 1978 |
| Eric S. Bader | Executive VP & COO | 1977 |
| Martin S. Korn | Executive VP, CTO & COO | 1964 |
| Ann Marie Tarantino | Senior VP, Chief Compliance Officer & Risk Officer | – |
| Gary A. Lax Esq. | Senior VP, Chief Legal Officer & Corporate Secretary | – |
| Fred Horn | Senior VP & Director of Merchant Services | – |
| Frank Lonardo | Executive VP & Chief Credit Officer | – |
| Kyall Mai | Senior VP & Chief Innovation Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.