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ESQUIRE FINANCIAL HOLDINGS I

ESQNASDAQ
πŸ† #2433 by market capUS Equity
$810.66β–² $67.85 (+8.37%)
Simulated price
πŸ””
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24hβ–² 8.4%
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🏦Market Cap
$1.06B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+19.0%
Healthy
πŸ“ŠGross Margin
86.1%
High
πŸ’΅FCF Margin
33.5%
Strong
βš–οΈP/S Ratio
5.9x
Fair
Otter Score
72
Fair
No chart data available for ESQ.

Trading Snapshot

Day Range
$804.74 – $815.67
52-Week Range
$92.10 – $134.82
Volume
$3.73B
Avg Volume
$4.29B
Shares Outstanding
8.6M
Next Earnings
Nov 28, 2026

Fundamentals Snapshot

Annual Revenue
$164M
Last Q Revenue
$48M
P/E Ratio
19.4
P/S Ratio
5.9x
EPS (TTM)
$6.38
Dividend Yield
0.63%
Dilution (1yr)
+2.4%

Why Investors Own ESQ

  • βœ“High-growth profile β€” revenue up +15.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ESQ logo

ESQUIRE FINANCIAL HOLDINGS I

ESQ
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$164Mβ–² +19.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
85.0%β–Ό βˆ’2.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$69Mβ–² +15.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$57Mβ–² +45.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.7Mβ–² +2.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$233Mβ–² +$107M YoY
StockOtter Β· stockotter.space

About ESQUIRE FINANCIAL HOLDINGS I

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$1,014.99
β–² +25.2% Upside
High Target$1,184.57
Low Target$854.51
Based on 28 analysts

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