ESQUIRE FINANCIAL HOLDINGS I (ESQ) Fundamental Analysis & Valuation

NASDAQ:ESQ • US29667J1016

Current stock price

107.01 USD
+1.89 (+1.8%)
At close:
107.01 USD
0 (0%)
After Hours:

This ESQ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. ESQ Profitability Analysis

1.1 Basic Checks

  • In the past year ESQ was profitable.
  • In the past year ESQ had a positive cash flow from operations.
  • Each year in the past 5 years ESQ has been profitable.
  • In the past 5 years ESQ always reported a positive cash flow from operatings.
ESQ Yearly Net Income VS EBIT VS OCF VS FCFESQ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • With an excellent Return On Assets value of 2.15%, ESQ belongs to the best of the industry, outperforming 97.61% of the companies in the same industry.
  • With an excellent Return On Equity value of 17.55%, ESQ belongs to the best of the industry, outperforming 97.07% of the companies in the same industry.
Industry RankSector Rank
ROA 2.15%
ROE 17.55%
ROIC N/A
ROA(3y)2.33%
ROA(5y)2.11%
ROE(3y)18.87%
ROE(5y)17.42%
ROIC(3y)N/A
ROIC(5y)N/A
ESQ Yearly ROA, ROE, ROICESQ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • ESQ has a Profit Margin of 34.68%. This is amongst the best in the industry. ESQ outperforms 89.89% of its industry peers.
  • ESQ's Profit Margin has improved in the last couple of years.
  • ESQ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.82%
PM growth 5Y7.43%
GM growth 3YN/A
GM growth 5YN/A
ESQ Yearly Profit, Operating, Gross MarginsESQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. ESQ Health Analysis

2.1 Basic Checks

  • ESQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ESQ has been increased compared to 1 year ago.
  • Compared to 5 years ago, ESQ has more shares outstanding
  • ESQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ESQ Yearly Shares OutstandingESQ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
ESQ Yearly Total Debt VS Total AssetsESQ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • ESQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.06%
ESQ Yearly LT Debt VS Equity VS FCFESQ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ESQ Yearly Current Assets VS Current LiabilitesESQ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. ESQ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.88% over the past year.
  • The Earnings Per Share has been growing by 28.94% on average over the past years. This is a very strong growth
  • The Revenue has grown by 17.41% in the past year. This is quite good.
  • ESQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.99% yearly.
EPS 1Y (TTM)15.88%
EPS 3Y19.11%
EPS 5Y28.94%
EPS Q2Q%18.8%
Revenue 1Y (TTM)17.41%
Revenue growth 3Y20.25%
Revenue growth 5Y22.99%
Sales Q2Q%23.16%

3.2 Future

  • Based on estimates for the next years, ESQ will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.33% on average per year.
  • The Revenue is expected to grow by 45.67% on average over the next years. This is a very strong growth
EPS Next Y11.31%
EPS Next 2Y13.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year52.56%
Revenue Next 2Y45.67%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ESQ Yearly Revenue VS EstimatesESQ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
ESQ Yearly EPS VS EstimatesESQ Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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2

4. ESQ Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.46, ESQ is valued on the expensive side.
  • 79.79% of the companies in the same industry are cheaper than ESQ, based on the Price/Earnings ratio.
  • ESQ's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.64.
  • The Price/Forward Earnings ratio is 14.17, which indicates a correct valuation of ESQ.
  • ESQ's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ESQ is more expensive than 75.27% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. ESQ is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.46
Fwd PE 14.17
ESQ Price Earnings VS Forward Price EarningsESQ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ESQ is valued a bit more expensive than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.59
EV/EBITDA N/A
ESQ Per share dataESQ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as ESQ's earnings are expected to grow with 13.33% in the coming years.
PEG (NY)1.54
PEG (5Y)0.6
EPS Next 2Y13.33%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. ESQ Dividend Analysis

5.1 Amount

  • ESQ has a yearly dividend return of 0.76%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.57, ESQ's dividend is way lower than its industry peers. On top of this 84.04% of the companies listed in the same industry pay a better dividend than ESQ!
  • Compared to an average S&P500 Dividend Yield of 1.82, ESQ's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.76%

5.2 History

  • ESQ has been paying a dividend for over 5 years, so it has already some track record.
  • ESQ has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
ESQ Yearly Dividends per shareESQ Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • ESQ pays out 11.53% of its income as dividend. This is a sustainable payout ratio.
DP11.53%
EPS Next 2Y13.33%
EPS Next 3YN/A
ESQ Yearly Income VS Free CF VS DividendESQ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
ESQ Dividend Payout.ESQ Dividend Payout, showing the Payout Ratio.ESQ Dividend Payout.PayoutRetained Earnings

More info and screens

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ESQ Fundamentals: All Metrics, Ratios and Statistics

ESQUIRE FINANCIAL HOLDINGS I

NASDAQ:ESQ (5/1/2026, 8:24:07 PM)

After market: 107.01 0 (0%)

107.01

+1.89 (+1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners72.56%
Inst Owner Change0.26%
Ins Owners15.5%
Ins Owner Change3.56%
Market Cap883.90M
Revenue(TTM)146.56M
Net Income(TTM)50.82M
Analysts80
Price Target127.5 (19.15%)
Short Float %10.4%
Short Ratio6.67
Dividend
Industry RankSector Rank
Dividend Yield 0.76%
Yearly Dividend0.69
Dividend Growth(5Y)N/A
DP11.53%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.88%
Min EPS beat(2)0.3%
Max EPS beat(2)9.46%
EPS beat(4)3
Avg EPS beat(4)2.25%
Min EPS beat(4)-1.09%
Max EPS beat(4)9.46%
EPS beat(8)6
Avg EPS beat(8)1.75%
EPS beat(12)9
Avg EPS beat(12)6.3%
EPS beat(16)13
Avg EPS beat(16)6.52%
Revenue beat(2)1
Avg Revenue beat(2)-0.11%
Min Revenue beat(2)-2.94%
Max Revenue beat(2)2.72%
Revenue beat(4)3
Avg Revenue beat(4)1.19%
Min Revenue beat(4)-2.94%
Max Revenue beat(4)2.72%
Revenue beat(8)4
Avg Revenue beat(8)-1.2%
Revenue beat(12)8
Avg Revenue beat(12)4.4%
Revenue beat(16)12
Avg Revenue beat(16)15.71%
PT rev (1m)2.35%
PT rev (3m)5.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.22%
EPS NY rev (1m)1.57%
EPS NY rev (3m)3.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.59%
Revenue NY rev (1m)5.05%
Revenue NY rev (3m)18.94%
Valuation
Industry RankSector Rank
PE 17.46
Fwd PE 14.17
P/S 6.03
P/FCF 15.59
P/OCF 14.77
P/B 3.05
P/tB 3.05
EV/EBITDA N/A
EPS(TTM)6.13
EY5.73%
EPS(NY)7.55
Fwd EY7.06%
FCF(TTM)6.86
FCFY6.41%
OCF(TTM)7.24
OCFY6.77%
SpS17.74
BVpS35.06
TBVpS35.06
PEG (NY)1.54
PEG (5Y)0.6
Graham Number69.5391 (-35.02%)
Profitability
Industry RankSector Rank
ROA 2.15%
ROE 17.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.68%
GM N/A
FCFM 38.67%
ROA(3y)2.33%
ROA(5y)2.11%
ROE(3y)18.87%
ROE(5y)17.42%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.82%
PM growth 5Y7.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 259.52%
Cap/Sales 2.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC9.06%
ROIC/WACCN/A
Cap/Depr(3y)142.08%
Cap/Depr(5y)116.23%
Cap/Sales(3y)1.09%
Cap/Sales(5y)0.98%
Profit Quality(3y)102.83%
Profit Quality(5y)121.3%
High Growth Momentum
Growth
EPS 1Y (TTM)15.88%
EPS 3Y19.11%
EPS 5Y28.94%
EPS Q2Q%18.8%
EPS Next Y11.31%
EPS Next 2Y13.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.41%
Revenue growth 3Y20.25%
Revenue growth 5Y22.99%
Sales Q2Q%23.16%
Revenue Next Year52.56%
Revenue Next 2Y45.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y36.58%
FCF growth 3Y13.53%
FCF growth 5Y30.74%
OCF growth 1Y41.76%
OCF growth 3Y15.54%
OCF growth 5Y30.87%

ESQUIRE FINANCIAL HOLDINGS I / ESQ Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ESQUIRE FINANCIAL HOLDINGS I (ESQ) stock?

ChartMill assigns a fundamental rating of 5 / 10 to ESQ.


Can you provide the valuation status for ESQUIRE FINANCIAL HOLDINGS I?

ChartMill assigns a valuation rating of 2 / 10 to ESQUIRE FINANCIAL HOLDINGS I (ESQ). This can be considered as Overvalued.


What is the profitability of ESQ stock?

ESQUIRE FINANCIAL HOLDINGS I (ESQ) has a profitability rating of 5 / 10.


What is the financial health of ESQUIRE FINANCIAL HOLDINGS I (ESQ) stock?

The financial health rating of ESQUIRE FINANCIAL HOLDINGS I (ESQ) is 4 / 10.


What is the expected EPS growth for ESQUIRE FINANCIAL HOLDINGS I (ESQ) stock?

The Earnings per Share (EPS) of ESQUIRE FINANCIAL HOLDINGS I (ESQ) is expected to grow by 11.31% in the next year.