ESQUIRE FINANCIAL HOLDINGS I (ESQ)

US29667J1016 - Common Stock

47.9  +0.5 (+1.05%)

Fundamental Rating

5

Overall ESQ gets a fundamental rating of 5 out of 10. We evaluated ESQ against 411 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 not priced too expensively while it is growing strongly. Keep and eye on this one!



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5

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.
In the past 5 years ESQ has always been profitable.
ESQ had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

ESQ has a Return On Assets of 2.54%. This is amongst the best in the industry. ESQ outperforms 97.57% of its industry peers.
ESQ's Return On Equity of 20.66% is amongst the best of the industry. ESQ outperforms 97.08% of its industry peers.
Industry RankSector Rank
ROA 2.54%
ROE 20.66%
ROIC N/A
ROA(3y)2.03%
ROA(5y)1.84%
ROE(3y)17.05%
ROE(5y)14.78%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 36.12%, ESQ belongs to the top of the industry, outperforming 90.51% of the companies in the same industry.
In the last couple of years the Profit Margin of ESQ has grown nicely.
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) 36.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.24%
PM growth 5Y8.06%
GM growth 3YN/A
GM growth 5YN/A

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4

2. Health

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.

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
WACC9.29%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 41.38% over the past year.
ESQ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.53% yearly.
ESQ shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.73%.
Measured over the past years, ESQ shows a very strong growth in Revenue. The Revenue has been growing by 26.10% on average per year.
EPS 1Y (TTM)41.38%
EPS 3Y43.93%
EPS 5Y31.53%
EPS growth Q2Q7.27%
Revenue 1Y (TTM)34.73%
Revenue growth 3Y29.65%
Revenue growth 5Y26.1%
Revenue growth Q2Q15.19%

3.2 Future

Based on estimates for the next years, ESQ will show a small growth in Earnings Per Share. The EPS will grow by 6.35% on average per year.
Based on estimates for the next years, ESQ will show a quite strong growth in Revenue. The Revenue will grow by 16.63% on average per year.
EPS Next Y0.84%
EPS Next 2Y6.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.91%
Revenue Next 2Y16.63%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4

4. Valuation

4.1 Price/Earnings Ratio

ESQ is valuated reasonably with a Price/Earnings ratio of 9.74.
The rest of the industry has a similar Price/Earnings ratio as ESQ.
ESQ is valuated cheaply when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.66, the valuation of ESQ can be described as very reasonable.
65.69% of the companies in the same industry are more expensive than ESQ, based on the Price/Forward Earnings ratio.
ESQ is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.63, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.74
Fwd PE 9.66

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ESQ is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.49
EV/EBITDA N/A

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)11.65
PEG (5Y)0.31
EPS Next 2Y6.35%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

ESQ has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.86, ESQ's dividend is way lower than its industry peers. On top of this 82.24% of the companies listed in the same industry pay a better dividend than ESQ!
With a Dividend Yield of 1.28, ESQ pays less dividend than the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 1.28%

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 Years1
Div Non Decr Years1

5.3 Sustainability

9.07% of the earnings are spent on dividend by ESQ. This is a low number and sustainable payout ratio.
DP9.07%
EPS Next 2Y6.35%
EPS Next 3YN/A

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ESQUIRE FINANCIAL HOLDINGS I

NASDAQ:ESQ (4/26/2024, 8:37:46 AM)

47.9

+0.5 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap396.61M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 9.74
Fwd PE 9.66
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)11.65
PEG (5Y)0.31
Profitability
Industry RankSector Rank
ROA 2.54%
ROE 20.66%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 36.12%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)41.38%
EPS 3Y43.93%
EPS 5Y
EPS growth Q2Q
EPS Next Y0.84%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)34.73%
Revenue growth 3Y29.65%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y