Esquire Financial/$ESQ
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About Esquire Financial
Esquire Financial Holdings Inc is a financial holding company. Through its subsidiary, the company operates as a full-service commercial bank dedicated to serving the financial needs of the legal industry and small businesses nationally, as well as commercial and retail customers in the New York metropolitan area. The Bank offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners. Banking products offered for businesses and consumers include checking, savings, money market, and time deposits; a wide range of commercial and consumer loans, as well as customary banking services. In addition, it operates a payment processing platform through third-party independent sales organizations.
Ticker
$ESQ
Sector
Primary listing
Employees
138
Headquarters
Website
ESQ Metrics
BasicAdvanced
$833M
18.07
$5.68
0.53
$0.68
0.68%
Price and volume
Market cap
$833M
Beta
0.53
52-week high
$107.25
52-week low
$68.90
Average daily volume
69K
Dividend rate
$0.68
Financial strength
Profitability
Net profit margin (TTM)
37.27%
Operating margin (TTM)
49.21%
Effective tax rate (TTM)
23.14%
Revenue per employee (TTM)
$950,000
Management effectiveness
Return on assets (TTM)
2.48%
Return on equity (TTM)
19.19%
Valuation
Price to earnings (TTM)
18.073
Price to revenue (TTM)
6.229
Price to book
2.98
Price to tangible book (TTM)
2.98
Dividend yield (TTM)
0.66%
Forward dividend yield
0.68%
Growth
Revenue change (TTM)
13.37%
Earnings per share change (TTM)
14.70%
3-year revenue growth (CAGR)
21.57%
3-year earnings per share growth (CAGR)
21.04%
3-year dividend per share growth (CAGR)
55.36%
Bulls say / Bears say
Net income jumped 13% year-over-year to $11.9 million in Q2 2025, or $1.38 per diluted share, as revenue increased 17% to $35.8 million, reflecting strong demand for the company’s banking and payment processing services.
The company’s industry-leading net interest margin expanded 7 basis points sequentially to 6.03% in Q2 2025, thanks to significant growth in low-cost core deposits deployed into higher-yielding loans for commercial law firms.
Esquire was named to KBW’s Bank Honor Roll for the second year in a row, one of just 16 U.S. banks recognized for top-tier compounded EPS growth and sustained performance over the past decade.
Net interest margin fell 16 basis points year-over-year in Q2 2025 to 6.03%, driven by a $65 million increase in low-yielding cash balances due to lower short-term rates, raising concerns over possible future margin pressure.
Provision for credit losses rose by $2.5 million in Q2 2025, and the bank booked a $3.3 million commercial loan charge-off, while the allowance for credit losses to total loans slipped to 1.30%, signaling potential deterioration in asset quality.
Noninterest expense grew by 13.5% for the six months ended June 30, 2025, fueled by higher employee compensation, data processing, and professional services, which could pressure efficiency and impact future profitability.
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Esquire Financial stock?
Esquire Financial (ESQ) has a market cap of $833M as of October 25, 2025.
What is the P/E ratio for Esquire Financial stock?
The price to earnings (P/E) ratio for Esquire Financial (ESQ) stock is 18.07 as of October 25, 2025.
Does Esquire Financial stock pay dividends?
Yes, the Esquire Financial (ESQ) stock pays dividends to shareholders. As of October 25, 2025, the dividend rate is $0.675 and the yield is 0.68%. Esquire Financial has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Esquire Financial dividend payment date?
The next Esquire Financial (ESQ) dividend payment date is unconfirmed.
What is the beta indicator for Esquire Financial?
Esquire Financial (ESQ) has a beta rating of 0.53. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.