ESQUIRE FINANCIAL HOLDINGS I (ESQ) Stock Fundamental Analysis
USA - NASDAQ:ESQ - US29667J1016 - Common Stock
97.035 USD
+1.42 (+1.49%)
97.035 USD
0 (0%)
ESQ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 390 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 shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
ESQ had positive earnings in the past year.
ESQ had a positive operating cash flow in the past year.
Each year in the past 5 years ESQ has 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 2.25%. This is amongst the best in the industry. ESQ outperforms 97.69% 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 97.44% 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
Looking at the Profit Margin, with a value of 34.49%, ESQ belongs to the top of the industry, outperforming 91.28% 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) | 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
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.
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
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
WACC8.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.69% over the past year.
The Earnings Per Share has been growing by 23.04% 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 9.95% in the last year.
ESQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.14% yearly.
EPS 1Y (TTM)14.69%
EPS 3Y26.32%
EPS 5Y23.04%
EPS Q2Q%20.9%
Revenue 1Y (TTM)9.95%
Revenue growth 3Y24.48%
Revenue growth 5Y22.14%
Sales Q2Q%21.2%
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 12.64% on average per year.
ESQ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.07% yearly.
EPS Next Y9.81%
EPS Next 2Y9.66%
EPS Next 3Y12.64%
EPS Next 5YN/A
Revenue Next Year18.15%
Revenue Next 2Y14.07%
Revenue Next 3YN/A
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
ESQ is valuated rather expensively with a Price/Earnings ratio of 17.02.
Based on the Price/Earnings ratio, ESQ is valued a bit more expensive than 75.38% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.83, ESQ is valued a bit cheaper.
The Price/Forward Earnings ratio is 15.64, which indicates a correct valuation of ESQ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ESQ indicates a slightly more expensive valuation: ESQ is more expensive than 75.64% of the companies listed in the same industry.
ESQ is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.02 | ||
| Fwd PE | 15.64 |
4.2 Price Multiples
ESQ's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ESQ is more expensive than 66.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.99 | ||
| 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.
ESQ's earnings are expected to grow with 12.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.74
PEG (5Y)0.74
EPS Next 2Y9.66%
EPS Next 3Y12.64%
5. Dividend
5.1 Amount
ESQ has a yearly dividend return of 0.73%, which is pretty low.
With a Dividend Yield of 0.73, ESQ pays less dividend than the industry average, which is at 3.42. 83.59% of the companies listed in the same industry pay a better dividend than ESQ!
With a Dividend Yield of 0.73, ESQ pays less dividend than the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.73% |
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 2Y9.66%
EPS Next 3Y12.64%
97.035
+1.42 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.53%
Inst Owner Change3.83%
Ins Owners16.66%
Ins Owner Change4.45%
Market Cap828.68M
Revenue(TTM)124.82M
Net Income(TTM)46.41M
Analysts74.29
Price Target116.28 (19.83%)
Short Float %10.98%
Short Ratio12.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.73% |
Yearly Dividend0.58
Dividend Growth(5Y)N/A
DP11.41%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)-1.68%
Revenue beat(12)9
Avg Revenue beat(12)11.86%
Revenue beat(16)13
Avg Revenue beat(16)20.84%
PT rev (1m)3.64%
PT rev (3m)13.43%
EPS NQ rev (1m)-0.32%
EPS NQ rev (3m)0.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.02 | ||
| Fwd PE | 15.64 | ||
| P/S | 6.16 | ||
| P/FCF | 17.99 | ||
| P/OCF | 17.08 | ||
| P/B | 3.14 | ||
| P/tB | 3.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.7
EY5.87%
EPS(NY)6.21
Fwd EY6.4%
FCF(TTM)5.39
FCFY5.56%
OCF(TTM)5.68
OCFY5.85%
SpS15.76
BVpS30.86
TBVpS30.86
PEG (NY)1.74
PEG (5Y)0.74
Graham Number62.91
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
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-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
WACC8.75%
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 Y9.81%
EPS Next 2Y9.66%
EPS Next 3Y12.64%
EPS Next 5YN/A
Revenue 1Y (TTM)9.95%
Revenue growth 3Y24.48%
Revenue growth 5Y22.14%
Sales Q2Q%21.2%
Revenue Next Year18.15%
Revenue Next 2Y14.07%
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 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 17.02 and the Price/Book (PB) ratio is 3.14.
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 11.41%.