Is Esquire Financial Stock a Good Investment?
Esquire Financial Investment Advice | ESQ |
- Examine Esquire Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Esquire Financial's leadership team and their track record. Good management can help Esquire Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Esquire Financial's business and its evolving consumer preferences.
- Compare Esquire Financial's performance and market position to its competitors. Analyze how Esquire Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Esquire Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Esquire Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Esquire Financial Holdings stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Esquire Financial Holdings is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Esquire Financial Stock
Researching Esquire Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 16.0% of the company shares are held by company insiders. The book value of Esquire Financial was currently reported as 31.35. The company recorded earning per share (EPS) of 5.27. Esquire Financial last dividend was issued on the 15th of May 2025.
To determine if Esquire Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Esquire Financial's research are outlined below:
| About 68.0% of the company shares are held by institutions such as insurance companies | |
| On 2nd of June 2025 Esquire Financial paid $ 0.175 per share dividend to its current shareholders | |
| Latest headline from gurufocus.com: ANA B2 Awards Recognizes Esquire Bank for Third Consecutive Year ESQ Stock News |
Esquire Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Esquire Financial Holdings. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Esquire Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 23rd of April 2024 Upcoming Quarterly Report | View | |
| 23rd of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Esquire Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Esquire Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2022-10-25 | 2022-09-30 | 0.85 | 0.94 | 0.09 | 10 | ||
2023-01-25 | 2022-12-31 | 0.99 | 1.1 | 0.11 | 11 | ||
2020-07-24 | 2020-06-30 | 0.44 | 0.33 | -0.11 | 25 | ||
2020-04-24 | 2020-03-31 | 0.48 | 0.33 | -0.15 | 31 | ||
2022-01-25 | 2021-12-31 | 0.65 | 0.83 | 0.18 | 27 | ||
2023-04-25 | 2023-03-31 | 0.94 | 1.47 | 0.53 | 56 |
Esquire Financial Target Price Consensus
Esquire target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Esquire Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 3 | Buy |
Most Esquire analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Esquire stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Esquire Financial, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationEsquire Financial Target Price Projection
Esquire Financial's current and average target prices are 92.00 and 95.00, respectively. The current price of Esquire Financial is the price at which Esquire Financial Holdings is currently trading. On the other hand, Esquire Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Esquire Financial Market Quote on 26th of June 2025
Target Price
Analyst Consensus On Esquire Financial Target Price
Esquire Financial Analyst Ratings
Esquire Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Esquire Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Esquire Financial's financials, market performance, and future outlook by experienced professionals. Esquire Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know Esquire Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Esquire Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Esquire Financial Holdings backward and forwards among themselves. Esquire Financial's institutional investor refers to the entity that pools money to purchase Esquire Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Bank Of America Corp | 2025-03-31 | 167.3 K | Alliancebernstein L.p. | 2025-03-31 | 109.6 K | Gator Capital Management, Llc | 2025-03-31 | 93.1 K | Royal Bank Of Canada | 2025-03-31 | 81.1 K | Grandeur Peak Global Advisors, Llc | 2025-03-31 | 80 K | Northern Trust Corp | 2025-03-31 | 63.6 K | Royce & Associates, Lp | 2025-03-31 | 61.6 K | First Manhattan Co. Llc | 2025-03-31 | 56.9 K | Maltese Capital Management Llc | 2025-03-31 | 55 K | Mawer Investment Management Ltd | 2025-03-31 | 779.9 K | Blackrock Inc | 2025-03-31 | 537.6 K |
Esquire Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 769.49 M.Market Cap |
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Esquire Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.02 | |
| Return On Capital Employed | 0.24 | 0.25 | |
| Return On Assets | 0.02 | 0.02 | |
| Return On Equity | 0.18 | 0.19 |
Determining Esquire Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Esquire Financial is a good buy. For example, gross profit margin measures Esquire Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Esquire Financial's profitability and make more informed investment decisions.
Evaluate Esquire Financial's management efficiency
Esquire Financial has Return on Asset of 0.0249 % which means that on every $100 spent on assets, it made $0.0249 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1966 %, implying that it generated $0.1966 on every 100 dollars invested. Esquire Financial's management efficiency ratios could be used to measure how well Esquire Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of 06/26/2025, Return On Tangible Assets is likely to grow to 0.02. Also, Return On Capital Employed is likely to grow to 0.25. At this time, Esquire Financial's Total Current Liabilities is relatively stable compared to the past year. As of 06/26/2025, Change To Liabilities is likely to grow to about 3.2 M, while Liabilities And Stockholders Equity is likely to drop slightly above 1 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 30.33 | 31.84 | |
| Tangible Book Value Per Share | 30.33 | 31.84 | |
| Enterprise Value Over EBITDA | 7.91 | 10.90 | |
| Price Book Value Ratio | 2.62 | 1.38 | |
| Enterprise Value Multiple | 7.91 | 10.90 | |
| Price Fair Value | 2.62 | 1.38 | |
| Enterprise Value | 77.5 M | 66.5 M |
Leadership at Esquire Financial emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Basic technical analysis of Esquire Stock
As of the 26th of June, Esquire Financial shows the Coefficient Of Variation of 484.79, mean deviation of 1.31, and Downside Deviation of 1.72. Esquire Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Esquire Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Esquire Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Esquire Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Esquire Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Esquire Financial's Outstanding Corporate Bonds
Esquire Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Esquire Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Esquire bonds can be classified according to their maturity, which is the date when Esquire Financial Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View |
Understand Esquire Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Esquire Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.3402 | |||
| Market Risk Adjusted Performance | 0.6536 | |||
| Mean Deviation | 1.31 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.72 | |||
| Coefficient Of Variation | 484.79 | |||
| Standard Deviation | 1.79 | |||
| Variance | 3.2 | |||
| Information Ratio | 0.179 | |||
| Jensen Alpha | 0.3376 | |||
| Total Risk Alpha | 0.3171 | |||
| Sortino Ratio | 0.1864 | |||
| Treynor Ratio | 0.6436 | |||
| Maximum Drawdown | 8.28 | |||
| Value At Risk | (2.65) | |||
| Potential Upside | 4.41 | |||
| Downside Variance | 2.96 | |||
| Semi Variance | 1.6 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.4457 | |||
| Kurtosis | 0.7517 |
| Risk Adjusted Performance | 0.3402 | |||
| Market Risk Adjusted Performance | 0.6536 | |||
| Mean Deviation | 1.31 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.72 | |||
| Coefficient Of Variation | 484.79 | |||
| Standard Deviation | 1.79 | |||
| Variance | 3.2 | |||
| Information Ratio | 0.179 | |||
| Jensen Alpha | 0.3376 | |||
| Total Risk Alpha | 0.3171 | |||
| Sortino Ratio | 0.1864 | |||
| Treynor Ratio | 0.6436 | |||
| Maximum Drawdown | 8.28 | |||
| Value At Risk | (2.65) | |||
| Potential Upside | 4.41 | |||
| Downside Variance | 2.96 | |||
| Semi Variance | 1.6 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.4457 | |||
| Kurtosis | 0.7517 |
Consider Esquire Financial's intraday indicators
Esquire Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Esquire Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 4946.5 | |||
| Daily Balance Of Power | 0.3813 | |||
| Rate Of Daily Change | 1.01 | |||
| Day Median Price | 91.92 | |||
| Day Typical Price | 91.95 | |||
| Price Action Indicator | 0.61 | |||
| Period Momentum Indicator | 1.06 |
Esquire Financial Corporate Filings
F4 | 23rd of June 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 13th of June 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 9th of June 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 12th of May 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
Esquire Stock media impact
There is far too much social signal, news, headlines, and media speculation about Esquire Financial that are available to investors today. This information is accessible both publicly - through Esquire Financial's media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of Esquire-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of Esquire Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Esquire Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Esquire Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Esquire Financial alpha.
Esquire Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Esquire Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Esquire Financial Corporate Management
| Fred Horn | Senior Services | Profile | |
| Ann Tarantino | Chief VP | Profile | |
| Kyall Mai | Senior Officer | Profile | |
| Ari Esq | Executive Development | Profile |
Additional Tools for Esquire Stock Analysis
When running Esquire Financial's price analysis, check to measure Esquire Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Esquire Financial is operating at the current time. Most of Esquire Financial's value examination focuses on studying past and present price action to predict the probability of Esquire Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Esquire Financial's price. Additionally, you may evaluate how the addition of Esquire Financial to your portfolios can decrease your overall portfolio volatility.