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Esquire Financial Holdings, Inc.
ESQ
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.1B
$120.34
▼ -2.66%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$90.57 - $134.82
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 21.3% 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).
- Significant premium - growth priced in
Growth
Stable outlook
Expansion of settlement and structured settlement loan originations as litigation volumes increase
Value
Significant premium - growth priced in
Momentum
Strong
+10.0% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
0.62% 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: Jul 23, 2026
APR 23, 2026
Reported EPS of $1.58 vs $1.52 consensus (+4.0% surprise). Revenue of $40.5M vs $39.5M expected (+2.3%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+4.0%
Next: Jul 23, 2026
Revenue trend · last 8Q
—
—
—
+15%
+17%
+18%
+19%
+35%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$30.6M
$31.9M
$33.1M
$33.8M
$35.8M
$42.4M
$44.4M
$45.5M
Margins · last 8Q
Gross
88.9%
Operating
37.6%
Profit
26.8%
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