ESQUIRE FINANCIAL HOLDINGS I (ESQ) Fundamental Analysis & Valuation

NASDAQ:ESQ • US29667J1016

Current stock price

109.99 USD
+3.98 (+3.76%)
At close:
109.99 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.
  • ESQ had a positive operating cash flow in 4 of the past 5 years.
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

  • ESQ has a Return On Assets of 2.25%. This is amongst the best in the industry. ESQ outperforms 97.90% of its industry peers.
  • The Return On Equity of ESQ (17.59%) is better than 96.33% of its industry peers.
Industry RankSector Rank
ROA 2.25%
ROE 17.59%
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's Profit Margin of 35.02% is amongst the best of the industry. ESQ outperforms 90.29% of its industry peers.
  • ESQ's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for ESQ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 35.02%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • ESQ has more shares outstanding than it did 1 year ago.
  • ESQ has more shares outstanding than it did 5 years ago.
  • 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

  • There is no outstanding debt for ESQ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.92%
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 2M 4M 6M 8M 10M

More info and screens

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

8

3. ESQ Growth Analysis

3.1 Past

  • ESQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.95%, which is quite good.
  • ESQ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.94% yearly.
  • ESQ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.41%.
  • Measured over the past years, ESQ shows a very strong growth in Revenue. The Revenue has been growing by 22.99% on average per year.
EPS 1Y (TTM)13.95%
EPS 3Y19.11%
EPS 5Y28.94%
EPS Q2Q%13.14%
Revenue 1Y (TTM)17.41%
Revenue growth 3Y20.25%
Revenue growth 5Y22.99%
Sales Q2Q%23.78%

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 9.21% on average per year.
  • ESQ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.46% yearly.
EPS Next Y9.59%
EPS Next 2Y9.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year38.26%
Revenue Next 2Y23.46%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
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

More info and screens

Find the best growth stocksShow best growing peers

1

4. ESQ Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.71, the valuation of ESQ can be described as rather expensive.
  • 82.68% of the companies in the same industry are cheaper than ESQ, based on the Price/Earnings ratio.
  • ESQ is valuated rather cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 17.07, the valuation of ESQ can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, ESQ is valued a bit more expensive than 77.17% of the companies in the same industry.
  • ESQ's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 18.71
Fwd PE 17.07
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

  • ESQ's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ESQ is more expensive than 71.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.15
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ESQ does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.95
PEG (5Y)0.65
EPS Next 2Y9.21%
EPS Next 3YN/A

More info and screens

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

2

5. ESQ Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.75%, ESQ is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.75, ESQ pays less dividend than the industry average, which is at 2.87. 84.78% of the companies listed in the same industry pay a better dividend than ESQ!
  • With a Dividend Yield of 0.75, ESQ pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.75%

5.2 History

  • ESQ has been paying a dividend for over 5 years, so it has already some track record.
  • ESQ has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
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

  • 11.29% of the earnings are spent on dividend by ESQ. This is a low number and sustainable payout ratio.
DP11.29%
EPS Next 2Y9.21%
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 (3/13/2026, 8:23:14 PM)

After market: 109.99 0 (0%)

109.99

+3.98 (+3.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners70.01%
Inst Owner Change0.34%
Ins Owners17.2%
Ins Owner Change3.73%
Market Cap940.41M
Revenue(TTM)146.56M
Net Income(TTM)49.11M
Analysts74.29
Price Target122.91 (11.75%)
Short Float %8.85%
Short Ratio7.94
Dividend
Industry RankSector Rank
Dividend Yield 0.75%
Yearly Dividend0.58
Dividend Growth(5Y)N/A
DP11.29%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.19%
Min EPS beat(2)-1.09%
Max EPS beat(2)9.46%
EPS beat(4)2
Avg EPS beat(4)1.79%
Min EPS beat(4)-1.52%
Max EPS beat(4)9.46%
EPS beat(8)5
Avg EPS beat(8)1.66%
EPS beat(12)9
Avg EPS beat(12)7.15%
EPS beat(16)13
Avg EPS beat(16)8.16%
Revenue beat(2)2
Avg Revenue beat(2)2.6%
Min Revenue beat(2)2.48%
Max Revenue beat(2)2.72%
Revenue beat(4)3
Avg Revenue beat(4)-0.02%
Min Revenue beat(4)-7.76%
Max Revenue beat(4)2.72%
Revenue beat(8)5
Avg Revenue beat(8)-0.73%
Revenue beat(12)9
Avg Revenue beat(12)8.88%
Revenue beat(16)13
Avg Revenue beat(16)18.73%
PT rev (1m)0%
PT rev (3m)4.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)17.82%
Valuation
Industry RankSector Rank
PE 18.71
Fwd PE 17.07
P/S 6.71
P/FCF 18.15
P/OCF 17.18
P/B 3.37
P/tB 3.37
EV/EBITDA N/A
EPS(TTM)5.88
EY5.35%
EPS(NY)6.44
Fwd EY5.86%
FCF(TTM)6.06
FCFY5.51%
OCF(TTM)6.4
OCFY5.82%
SpS16.4
BVpS32.66
TBVpS32.66
PEG (NY)1.95
PEG (5Y)0.65
Graham Number65.73
Profitability
Industry RankSector Rank
ROA 2.25%
ROE 17.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.02%
GM N/A
FCFM 36.96%
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-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 262.42%
Cap/Sales 2.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 105.54%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.92%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.95%
EPS 3Y19.11%
EPS 5Y28.94%
EPS Q2Q%13.14%
EPS Next Y9.59%
EPS Next 2Y9.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.41%
Revenue growth 3Y20.25%
Revenue growth 5Y22.99%
Sales Q2Q%23.78%
Revenue Next Year38.26%
Revenue Next 2Y23.46%
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 1Y12.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y16.33%
OCF growth 3YN/A
OCF growth 5YN/A

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 1 / 10 to ESQUIRE FINANCIAL HOLDINGS I (ESQ). This can be considered as Overvalued.


Can you provide the profitability details for ESQUIRE FINANCIAL HOLDINGS I?

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


How financially healthy is ESQUIRE FINANCIAL HOLDINGS I?

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


Can you provide the dividend sustainability for ESQ stock?

The dividend rating of ESQUIRE FINANCIAL HOLDINGS I (ESQ) is 2 / 10 and the dividend payout ratio is 11.29%.