Price
No data yet.
Social Signal Score
Analyst Ratings
4 analystsRevenue
$47.68M+828.97%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Andrew C. Sagliocca
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 151
- Beta
- 0.35
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- -0.22
Financials
Revenue
$47.68M+829.0%Net Income
$12.98M+1653.8%EBITDA
$18.50M+1375.0%Free Cash Flow
$13.96MEPS (diluted)
$1.49+964.3%Shares Outstanding (diluted)
8.71M+72.9%Operating Expenses
$12.61MCash & Debt
$541.62MReturn of Capital
$1.82MRevenue by Segment (annual)
$2.89MDividend per Share
$0.20Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $164.50M | $50.85M | $6.30 |
| 2024 | $138.27M | $43.66M | $5.58 |
| 2023 | $121.64M | $41.01M | $5.31 |
| 2022 | $85.92M | $28.52M | $3.73 |
| 2021 | $65.56M | $17.93M | $2.40 |
| 2020 | $53.28M | $12.62M | $1.70 |
| 2019 | $48.47M | $14.14M | $1.91 |
| 2018 | $36.81M | $8.73M | $1.18 |
| 2017 | $25.91M | $3.64M | $0.59 |
| 2016 | $20.29M | $2.82M | $0.55 |
| 2015 | $15.39M | $1.17M | $0.23 |
| 2014 | $11.71M | $40.8K | $0.01 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from ESQ's reported EPS growth of 78.0% a year over 11 years. Historical EPS growth of 78% reflects a recovery from a low base and won't persist. Capped at 30% as a starting point.
- EPS in 5 years
- $21.68
- Implied price
- $346.86
- Return from $115.70
- 24.6% a year
To earn 15.0% a year on these assumptions you'd need to buy at $172.45 — today's price is already 32.9% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 14 | 16 | 18 | 20 |
|---|---|---|---|---|---|
| 20.0% | 8.5% | 11.9% | 15.0% | 17.7% | 20.2% |
| 25.0% | 13.1% | 16.6% | 19.8% | 22.6% | 25.2% |
| 30.0% | 17.6% | 21.3% | 24.6% | 27.5% | 30.2% |
| 35.0% | 22.1% | 25.9% | 29.3% | 32.4% | 35.3% |
| 40.0% | 26.6% | 30.6% | 34.1% | 37.3% | 40.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100+0.00%Social Signal Score
Mentions (3)
- Newsprnewswire.com·1d ago·Neutral
Esquire Financial Holdings, Inc. Announces Third Quarter 2026 Earnings Release and Conference Call on October 27, 2026 JERICHO, N.Y., Oct. 8, 2026 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), (collectively "Esquire") today announced that the Company will release earnings for the quarter ended September 30, 2026 on Tuesday, October 27, 2026 at 8:30 a.m.
View source ↗ - Newszacks.com·35d ago·Positive
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.
View source ↗ - Newsprnewswire.com·45d ago·Neutral
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.
View source ↗
Earnings
Thu, Oct 22(in 12 days)
Consensus estimate $1.89 per share
Typical surprise +0.7% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$1.60 vs $1.56beat
- Thu, Apr 23$1.58 vs $1.52beat
- Thu, Jan 22$1.55 vs $1.56miss
- Thu, Oct 23$1.47 vs $1.46beat
- Thu, Jul 24$1.38 vs $1.38beat
- Thu, Apr 24$1.33 vs $1.30beat
Estimates and results for ESQ via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by ESQ officers and directors.
- Bought
- —
- Sold
- $5.1m
0 trades
17 trades
- Sagliocca Andrew Csold
- Mitzman Robertsold
- Powers Richard Tsold
- Zises Seligsold
- Zises Seligsold
- Zises Seligsold
- Zises Seligsold
- Zises Seligsold
83 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in ESQ.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.