Esquire Financial Holdings stock
ESQNASDAQEsquire Financial Holdings, Inc., Financial ServicesISIN US29667J1016
81Score 81 out of 100, Strong
Price and trend
83 / 100
Price history
+32% in one yearThe chart shows daily closes over 9 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 14% above it.
Since July 2024 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 66).
The price is 1.3% below its 52-week high. Largest decline in 9 years: 57% (June 2018 to May 2020).
Chart figures for advanced users
- SMA 50$122.16
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$115.35
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)66
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$95.28
- The lowest closing price of the last twelve months.
- Resistance$133.43
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Esquire Financial Holdings, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $1.6B, is number 266 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $146.56M (up 17.4% year on year) and earnings of $50.85M (up 16.5%).
- MEQIRI Score 81 out of 100 (Strong): rank 67 of 976 in Financial Services, median 68.
Show more
- The P/E is 26.1 (Banks (Regional) median 12.2, own median of recent years 13.6).
- Our model puts fair value at $131.07, with the price 1% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 30% a year since 2020.Growth 100
- Growing faster than its industryRevenue up 23% a year since 2020, Banks (Regional) median 7.5%.Growth 100
- High return on equityReturn on equity 17.9% over the last 12 months.Profitability 76
Weaknesses
- Richly valuedP/E 26.1, Banks (Regional) median 12.2, own median 13.6.Valuation 55
- DilutionShare count up 18% since 2020.Capital allocation 48
Its standout strengths are growth and fundamentals, while capital allocation holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 80 to 81.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $93.62 and expensive above $218.45 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $200.49 (excess return model) and $61.65 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $114.36, at 7.8% it would be $156.13.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 30.8% on the twelve months before. Revenue has grown strongly since 2014, at around 26% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 47%, net 35%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 77 days
- Last reported
- 27 Oct 2026EPS reported $2.12 (expected $1.89)above expectations
Analyst estimates
- Earnings per share
- $7.51+6.2%
- Revenue
- $216.62M+2.1%
- Earnings per share
- $9.04+6.1%
- Revenue
- $309.35M+4.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +4.0%Esquire Financial expects to exceed its original earnings guidance from the Signature merger announcement (March 12, 2026), with net interest margin for 2027 now seen around 570 to 575 basis points versus the originally expected high 540s to low 550s basis points.
“The reason I keep giving guidance around 570-575 basis points is we have already had one rate move, and that has played into where our NIM is winding up now at about 568 basis points adjusted.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 4 insiders sold, $5.65M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Coelho AnthonySale
29 Oct 2026, Board
- Shares
- 11,600
- Price
- $127.00
- Value
- $1.47M
- Kornhaber Ari PSale
28 Oct 2026, EVP and Head of Corp Dev
- Shares
- 20,000
- Price
- $128.15
- Value
- $2.56M
- Sagliocca Andrew CSale
18 Sept 2026, Vice Chairman, President & CEO
- Shares
- 10,000
- Price
- $122.73
- Value
- $1.23M
Show 1 more
- Mitzman RobertSale
30 Jul 2026, Board
- Shares
- 3,000
- Price
- $129.60
- Value
- $388,792
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Esquire Financial Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 81
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- TriCo BancsharesTCBK $1.66B65
- ConnectOne BancorpCNOB $1.65B66
- National Bank HoldingsNBHC $1.64B46
- Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.CNDF.PA $1.63B63
- Live Oak BancsharesLOB $1.59B61
- Pathward FinancialCASH $1.56B76
- Lakeland FinancialLKFN $1.53B71
- Amalgamated FinancialAMAL $1.49B80
ETFs that hold Esquire Financial Holdings
Held by 10 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.03% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.03% | 0.30% | €4.22B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.03% | 0.30% | €185.82M |
Show 5 more
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.47B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.01% | 0.45% | €1.53B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.00% | 0.17% | €8.6B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 31 Mar 2021)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.