Esquire Financial Holdings, Inc.
ESQ
NASDAQ·Financial Services·Banks - Regional·Mkt cap $963.8M
$111.56
▼ -0.14%
P/E
18.17
Mkt Cap
$963.8M
52-Wk Range
$92.10–$134.82
52-Week Range
$92.10 - $134.82
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 15.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Specialized expertise in legal industry and settlement loan markets with deep underwriting knowledge
- Niche market focus reduces competition from larger regional and national banks
- Strong relationships with law firms and legal professionals built over 18+ years
- Unique consumer lending products (post-settlement and structured settlement loans) with limited direct competition
- Efficient branch model with strategic locations in New York and Florida serving key markets
Bear Case
2 risks
- Low volatility (beta 0.4).
- Premium valuation to Commercial Banking peers
Growth
Moderate growth ahead
Expansion of settlement and structured settlement loan originations as litigation volumes increase
Value
Premium valuation to Commercial Banking peers
Momentum
Stable
+1.5% over 3m
Quality
Excellent
Strong fundamentals
Dividend
Modest
0.69% yield
Smart-money signal
Who's buying ESQ right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $1.60 vs $1.56 consensus (+2.6% surprise). Revenue of $42.1M vs $41.6M expected (+1.3%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+2.6%
Revenue trend · last 8Q
—
—
+15%
+17%
+18%
+19%
+35%
+19%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$31.9M
$33.1M
$33.8M
$35.8M
$42.4M
$44.4M
$45.5M
$47.7M
Margins · last 8Q
Gross
82.3%
Operating
38.0%
Profit
27.2%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Raymond James · $125.00 · Mar 13, 2026
vs Industry
How ESQ stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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