108.17 USD
-2.26 (-2.05%)
108.17 USD
0 (0%)
Taking everything into account, ESQ scores 4 out of 10 in our fundamental rating. ESQ was compared to 383 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 quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- ESQ had positive earnings in the past year.
- In the past year ESQ had a positive cash flow from operations.
- Of the past 5 years ESQ 4 years were profitable.
- Of the past 5 years ESQ 4 years had a positive operating cash flow.
1.2 Ratios
- ESQ has a better Return On Assets (2.25%) than 97.91% of its industry peers.
- ESQ's Return On Equity of 17.59% is amongst the best of the industry. ESQ outperforms 97.13% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 35.02%, ESQ belongs to the top of the industry, outperforming 91.38% of the companies in the same industry.
- In the last couple of years the Profit Margin of ESQ has grown nicely.
- 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.
- ESQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC8.88%
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 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.
EPS 1Y (TTM)13.95%
EPS 3Y19.11%
EPS 5Y28.94%
EPS Q2Q%13.14%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%46.54%
3.2 Future
- The Earnings Per Share is expected to grow by 8.72% on average over the next years. This is quite good.
- Based on estimates for the next years, ESQ will show a very strong growth in Revenue. The Revenue will grow by 21.28% on average per year.
EPS Next Y7.62%
EPS Next 2Y8.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.55%
Revenue Next 2Y21.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 18.40, which indicates a rather expensive current valuation of ESQ.
- ESQ's Price/Earnings ratio is a bit more expensive when compared to the industry. ESQ is more expensive than 78.33% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ESQ to the average of the S&P500 Index (27.21), we can say ESQ is valued slightly cheaper.
- ESQ is valuated rather expensively with a Price/Forward Earnings ratio of 17.09.
- Based on the Price/Forward Earnings ratio, ESQ is valued a bit more expensive than 75.98% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, ESQ is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.4 | ||
| Fwd PE | 17.09 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ESQ indicates a slightly more expensive valuation: ESQ is more expensive than 68.93% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.89 | ||
| EV/EBITDA | N/A |
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)2.41
PEG (5Y)0.64
EPS Next 2Y8.72%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ESQ has a yearly dividend return of 0.63%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.84, ESQ's dividend is way lower than its industry peers. On top of this 84.86% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
5.2 History
- ESQ has paid a dividend for less than 5 years, so there is no long track record yet.
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 2Y8.72%
EPS Next 3YN/A
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 4 / 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 4 / 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%.