ESQUIRE FINANCIAL HOLDINGS I (ESQ) Fundamental Analysis & Valuation

NASDAQ:ESQ • US29667J1016

Current stock price

109.39 USD
+0.44 (+0.4%)
At close:
109.39 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

  • ESQ had positive earnings in the past year.
  • ESQ had a positive operating cash flow in the past year.
  • In the past 5 years ESQ has always been profitable.
  • ESQ had a positive operating cash flow in each 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's Return On Assets of 2.15% is amongst the best of the industry. ESQ outperforms 97.37% of its industry peers.
  • With an excellent Return On Equity value of 17.55%, ESQ belongs to the best of the industry, outperforming 96.58% 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's Profit Margin of 34.68% is amongst the best of the industry. ESQ outperforms 89.74% 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
  • 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.
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
WACC8.99%
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

8

3. ESQ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.95% 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
  • Looking at the last year, ESQ shows a quite strong growth in Revenue. The Revenue has grown by 17.41% in the last year.
  • The Revenue has been growing by 22.99% on average over the past years. This is a very strong growth!
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

  • ESQ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.21% yearly.
  • The Revenue is expected to grow by 23.46% on average over the next years. This is a very strong growth
EPS Next Y9.59%
EPS Next 2Y9.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year45.23%
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

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1

4. ESQ Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.60 indicates a rather expensive valuation of ESQ.
  • ESQ's Price/Earnings ratio is rather expensive when compared to the industry. ESQ is more expensive than 83.16% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ESQ to the average of the S&P500 Index (26.21), we can say ESQ is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 16.98, which indicates a correct valuation of ESQ.
  • Based on the Price/Forward Earnings ratio, ESQ is valued a bit more expensive than the industry average as 76.84% of the companies are valued more cheaply.
  • ESQ is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.6
Fwd PE 16.98
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 the industry average as 67.37% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.94
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 an expensive valuation of the company.
PEG (NY)1.94
PEG (5Y)0.64
EPS Next 2Y9.21%
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

  • With a yearly dividend of 0.75%, ESQ is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, ESQ's dividend is way lower than its industry peers. On top of this 83.68% 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 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 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

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ESQ Fundamentals: All Metrics, Ratios and Statistics

ESQUIRE FINANCIAL HOLDINGS I

NASDAQ:ESQ (4/6/2026, 4:30:01 PM)

After market: 109.39 0 (0%)

109.39

+0.44 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners70.01%
Inst Owner Change0%
Ins Owners17.2%
Ins Owner Change3.56%
Market Cap903.56M
Revenue(TTM)146.56M
Net Income(TTM)50.82M
Analysts80
Price Target124.44 (13.76%)
Short Float %9.03%
Short Ratio6.45
Dividend
Industry RankSector Rank
Dividend Yield 0.75%
Yearly Dividend0.58
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)1.24%
PT rev (3m)4.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)0%
EPS NY rev (3m)1.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)17.66%
Revenue NY rev (1m)5.05%
Revenue NY rev (3m)23.77%
Valuation
Industry RankSector Rank
PE 18.6
Fwd PE 16.98
P/S 6.17
P/FCF 15.94
P/OCF 15.1
P/B 3.12
P/tB 3.12
EV/EBITDA N/A
EPS(TTM)5.88
EY5.38%
EPS(NY)6.44
Fwd EY5.89%
FCF(TTM)6.86
FCFY6.27%
OCF(TTM)7.24
OCFY6.62%
SpS17.74
BVpS35.06
TBVpS35.06
PEG (NY)1.94
PEG (5Y)0.64
Graham Number68.11
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
WACC8.99%
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)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 Year45.23%
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 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 1 / 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 9.59% in the next year.