102.06 USD
-0.85 (-0.83%)
102.06 USD
0 (0%)
ESQ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and the financial health of ESQ get a neutral evaluation. Nothing too spectacular is happening here. ESQ is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year ESQ was profitable.
ESQ had a positive operating cash flow in the past year.
In the past 5 years ESQ has always been profitable.
Each year in the past 5 years ESQ had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 2.25%, ESQ belongs to the best of the industry, outperforming 97.93% of the companies in the same industry.
With an excellent Return On Equity value of 17.59%, ESQ belongs to the best of the industry, outperforming 97.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.25% | ||
| ROE | 17.59% | ||
| ROIC | N/A |
ROA(3y)2.3%
ROA(5y)1.95%
ROE(3y)19.03%
ROE(5y)15.92%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ESQ has a better Profit Margin (35.02%) than 91.99% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 35.02% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.08%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ESQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ESQ has more shares outstanding
The number of shares outstanding for ESQ has been increased compared to 5 years ago.
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ESQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.69%, which is quite good.
The Earnings Per Share has been growing by 23.04% on average over the past years. This is a very strong growth
ESQ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.17%.
The Revenue has been growing by 22.14% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)14.69%
EPS 3Y26.32%
EPS 5Y23.04%
EPS Q2Q%20.9%
Revenue 1Y (TTM)16.17%
Revenue growth 3Y24.48%
Revenue growth 5Y22.14%
Sales Q2Q%21.2%
3.2 Future
The Earnings Per Share is expected to grow by 10.44% on average over the next years. This is quite good.
The Revenue is expected to grow by 20.55% on average over the next years. This is a very strong growth
EPS Next Y12.25%
EPS Next 2Y10.74%
EPS Next 3Y10.44%
EPS Next 5YN/A
Revenue Next Year18.3%
Revenue Next 2Y22.23%
Revenue Next 3Y20.55%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.91, the valuation of ESQ can be described as rather expensive.
ESQ's Price/Earnings ratio is a bit more expensive when compared to the industry. ESQ is more expensive than 77.78% of the companies in the same industry.
When comparing the Price/Earnings ratio of ESQ to the average of the S&P500 Index (26.31), we can say ESQ is valued slightly cheaper.
ESQ is valuated correctly with a Price/Forward Earnings ratio of 16.13.
Based on the Price/Forward Earnings ratio, ESQ is valued a bit more expensive than 75.97% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. ESQ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.91 | ||
| Fwd PE | 16.13 |
4.2 Price Multiples
66.41% of the companies in the same industry are cheaper than ESQ, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.46
PEG (5Y)0.78
EPS Next 2Y10.74%
EPS Next 3Y10.44%
5. Dividend
5.1 Amount
With a yearly dividend of 0.68%, ESQ is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.23, ESQ's dividend is way lower than its industry peers. On top of this 84.24% of the companies listed in the same industry pay a better dividend than ESQ!
Compared to an average S&P500 Dividend Yield of 2.34, ESQ's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
5.2 History
ESQ has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
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 2Y10.74%
EPS Next 3Y10.44%
102.06
-0.85 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.53%
Inst Owner Change4.23%
Ins Owners16.66%
Ins Owner Change4.48%
Market Cap874.65M
Revenue(TTM)140.22M
Net Income(TTM)49.11M
Analysts74.29
Price Target117.81 (15.43%)
Short Float %10.1%
Short Ratio10.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
Yearly Dividend0.58
Dividend Growth(5Y)N/A
DP11.29%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)-1.73%
Revenue beat(12)9
Avg Revenue beat(12)8.21%
Revenue beat(16)13
Avg Revenue beat(16)18.22%
PT rev (1m)1.32%
PT rev (3m)5%
EPS NQ rev (1m)2.59%
EPS NQ rev (3m)4.79%
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.59%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)9.77%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)2.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.91 | ||
| Fwd PE | 16.13 | ||
| P/S | 6.24 | ||
| P/FCF | 16.88 | ||
| P/OCF | 15.98 | ||
| P/B | 3.13 | ||
| P/tB | 3.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.7
EY5.58%
EPS(NY)6.33
Fwd EY6.2%
FCF(TTM)6.05
FCFY5.93%
OCF(TTM)6.39
OCFY6.26%
SpS16.36
BVpS32.58
TBVpS32.58
PEG (NY)1.46
PEG (5Y)0.78
Graham Number64.64
Profitability
| Industry Rank | Sector 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)2.3%
ROA(5y)1.95%
ROE(3y)19.03%
ROE(5y)15.92%
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 3Y8.08%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector 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-Score5
WACC8.66%
ROIC/WACCN/A
Cap/Depr(3y)58.9%
Cap/Depr(5y)90.64%
Cap/Sales(3y)0.4%
Cap/Sales(5y)0.83%
Profit Quality(3y)110.92%
Profit Quality(5y)122.51%
High Growth Momentum
Growth
EPS 1Y (TTM)14.69%
EPS 3Y26.32%
EPS 5Y23.04%
EPS Q2Q%20.9%
EPS Next Y12.25%
EPS Next 2Y10.74%
EPS Next 3Y10.44%
EPS Next 5YN/A
Revenue 1Y (TTM)16.17%
Revenue growth 3Y24.48%
Revenue growth 5Y22.14%
Sales Q2Q%21.2%
Revenue Next Year18.3%
Revenue Next 2Y22.23%
Revenue Next 3Y20.55%
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 1Y52.57%
FCF growth 3Y12.58%
FCF growth 5Y21.52%
OCF growth 1Y59.48%
OCF growth 3Y11.96%
OCF growth 5Y20.95%
ESQUIRE FINANCIAL HOLDINGS I / ESQ FAQ
What is the ChartMill fundamental rating of ESQUIRE FINANCIAL HOLDINGS I (ESQ) stock?
ChartMill assigns a fundamental rating of 5 / 10 to ESQ.
What is the valuation status for ESQ stock?
ChartMill assigns a valuation rating of 2 / 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.
Can you provide the PE and PB ratios for ESQ stock?
The Price/Earnings (PE) ratio for ESQUIRE FINANCIAL HOLDINGS I (ESQ) is 17.91 and the Price/Book (PB) ratio is 3.13.
Is the dividend of ESQUIRE FINANCIAL HOLDINGS I sustainable?
The dividend rating of ESQUIRE FINANCIAL HOLDINGS I (ESQ) is 2 / 10 and the dividend payout ratio is 11.29%.