ESQ Fundamental Analysis - ESQUIRE FINANCIAL HOLDINGS I

Fundamental Rating

Taking everything into account, ESQ scores 5 out of 10 in our fundamental rating. ESQ was compared to 395 industry peers in the Banks industry. ESQ has only an average score on both its financial health and profitability. ESQ is valued quite expensive, but it does show an excellent growth.

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1. Profitability

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.

In the past 5 years ESQ always reported a positive cash flow from operatings.

1.2 Ratios

ESQ's Return On Assets of 2.25% is amongst the best of the industry. ESQ outperforms 96.95% of its industry peers.

Looking at the Return On Equity, with a value of 17.61%, ESQ belongs to the top of the industry, outperforming 96.95% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.25%
ROE	17.61%
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

With an excellent Profit Margin value of 34.49%, ESQ belongs to the best of the industry, outperforming 90.84% of the companies in the same industry.

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)	34.49%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 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.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC8.87%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ESQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.92%, which is quite good.

Measured over the past years, ESQ shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.04% on average per year.

ESQ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.97%.

The Revenue has been growing by 22.14% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)12.92%

EPS 3Y26.32%

EPS 5Y23.04%

EPS Q2Q%10.4%

Revenue 1Y (TTM)14.97%

Revenue growth 3Y24.48%

Revenue growth 5Y22.14%

Sales Q2Q%20.28%

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 9.78% on average per year.

ESQ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.24% yearly.

EPS Next Y9.42%

EPS Next 2Y9.78%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.6%

Revenue Next 2Y21.24%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.10, the valuation of ESQ can be described as rather expensive.

Compared to the rest of the industry, the Price/Earnings ratio of ESQ indicates a slightly more expensive valuation: ESQ is more expensive than 76.59% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.08, ESQ is valued a bit cheaper.

Based on the Price/Forward Earnings ratio of 15.77, the valuation of ESQ can be described as correct.

ESQ's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ESQ is more expensive than 75.32% 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 22.72.

		Industry Rank	Sector Rank
PE	18.1
Fwd PE	15.77

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ESQ is valued a bit more expensive than 66.67% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	18.19
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)1.92

PEG (5Y)0.79

EPS Next 2Y9.78%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.70%, ESQ is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.20, ESQ's dividend is way lower than its industry peers. On top of this 84.22% of the companies listed in the same industry pay a better dividend than ESQ!

With a Dividend Yield of 0.70, ESQ pays less dividend than the S&P500 average, which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	0.7%

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

11.41% of the earnings are spent on dividend by ESQ. This is a low number and sustainable payout ratio.

DP11.41%

EPS Next 2Y9.78%

EPS Next 3YN/A

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ESQUIRE FINANCIAL HOLDINGS I

NASDAQ:ESQ (8/29/2025, 8:18:50 PM)

After market: 98.1 0 (0%)

98.1

-2.2 (-2.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners70.31%

Inst Owner Change5.95%

Ins Owners16.51%

Ins Owner Change5.96%

Market Cap837.77M

Analysts74.29

Price Target112.2 (14.37%)

Short Float %9.32%

Short Ratio5.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.7%

Yearly Dividend0.58

Dividend Growth(5Y)N/A

DP11.41%

Div Incr Years2

Div Non Decr Years2

Ex-Date08-15 2025-08-15 (0.175)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.38%

Min EPS beat(2)-1.09%

Max EPS beat(2)0.32%

EPS beat(4)2

Avg EPS beat(4)-0.25%

Min EPS beat(4)-1.52%

Max EPS beat(4)1.28%

EPS beat(8)5

Avg EPS beat(8)0.85%

EPS beat(12)9

Avg EPS beat(12)7.11%

EPS beat(16)13

Avg EPS beat(16)7.6%

Revenue beat(2)2

Avg Revenue beat(2)2.48%

Min Revenue beat(2)2.48%

Max Revenue beat(2)2.49%

Revenue beat(4)2

Avg Revenue beat(4)-2.41%

Min Revenue beat(4)-7.76%

Max Revenue beat(4)2.49%

Revenue beat(8)5

Avg Revenue beat(8)-1.51%

Revenue beat(12)9

Avg Revenue beat(12)11.98%

Revenue beat(16)13

Avg Revenue beat(16)20.92%

PT rev (1m)9.45%

PT rev (3m)15.79%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.51%

EPS NY rev (1m)0.59%

EPS NY rev (3m)0.59%

Revenue NQ rev (1m)3.15%

Revenue NQ rev (3m)4.06%

Revenue NY rev (1m)0.84%

Revenue NY rev (3m)0.84%

Valuation

		Industry Rank	Sector Rank
PE	18.1
Fwd PE	15.77
P/S	6.23
P/FCF	18.19
P/OCF	17.27
P/B	3.18
P/tB	3.18
EV/EBITDA	N/A

EPS(TTM)5.42

EY5.52%

EPS(NY)6.22

Fwd EY6.34%

FCF(TTM)5.39

FCFY5.5%

OCF(TTM)5.68

OCFY5.79%

SpS15.76

BVpS30.86

TBVpS30.86

PEG (NY)1.92

PEG (5Y)0.79

Profitability

		Industry Rank	Sector Rank
ROA	2.25%
ROE	17.61%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.49%
GM	N/A
FCFM	34.23%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	237.23%
Cap/Sales	1.82%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	99.25%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.87%

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)12.92%

EPS 3Y26.32%

EPS 5Y23.04%

EPS Q2Q%10.4%

EPS Next Y9.42%

EPS Next 2Y9.78%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)14.97%

Revenue growth 3Y24.48%

Revenue growth 5Y22.14%

Sales Q2Q%20.28%

Revenue Next Year15.6%

Revenue Next 2Y21.24%

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 1Y30.6%

FCF growth 3Y12.58%

FCF growth 5Y21.52%

OCF growth 1Y36.85%

OCF growth 3Y11.96%

OCF growth 5Y20.95%

ESQUIRE FINANCIAL HOLDINGS I (ESQ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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