Esquire Financial/$ESQ
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Esquire Financial
Esquire Financial Holdings Inc is a financial holding company operating as a full service commercial bank. It serves the financial needs of the litigation industry and small businesses nationally, as well as commercial and retail customers in the New York metropolitan area. The bank offers tailored financial and payment processing solutions to the litigation community and their clients as well as dynamic and flexible payment processing solutions to small business owners. It operates in one operating segment, that of community banking.
- Ticker
- $ESQ
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 151
- Headquarters
- Jericho, United States
- Website
- www.esquirebank.com
ESQ Metrics
BasicAdvanced
$1.4B
19.22
$6.06
0.35
$0.78
0.69%
Price and volume
Market cap
$1.4B
Beta
0.35
52-week high
$134.82
52-week low
$92.10
Average daily volume
192K
Dividend rate
$0.78
Financial strength
Dividend payout ratio (TTM)
12.11%
Profitability
Net profit margin (TTM)
35.31%
Operating margin (TTM)
49.33%
Effective tax rate (TTM)
24.83%
Revenue per employee (TTM)
$990,000
Management effectiveness
Return on assets (TTM)
2.31%
Return on equity (TTM)
18.26%
Valuation
Price to earnings (TTM)
19.222
Price to revenue (TTM)
6.386
Price to book
3.07
Price to tangible book (TTM)
3.07
Price to free cash flow (TTM)
14.825
Free cash flow yield (TTM)
6.75%
Free cash flow per share (TTM)
7.854
Dividend yield (TTM)
0.67%
Forward dividend yield
0.69%
Growth
Revenue change (TTM)
17.71%
Earnings per share change (TTM)
12.43%
3-year revenue growth (CAGR)
14.44%
3-year earnings per share growth (CAGR)
9.55%
10-year earnings per share growth (CAGR)
30.63%
3-year dividend per share growth (CAGR)
21.81%
Bulls say / Bears say
Average loans rose 28.3% year on year in Q2, while litigation-related lending grew 41%. Total loans also increased by $87.2 million over the quarter despite substantial repayments, showing continued demand for Esquire’s specialist lending. (PR Newswire)
Deposits grew 22.3% year on year, and the bank’s cost of funds remained low at 1.03%. Growth in litigation-related escrow accounts and other relationship deposits gives Esquire funding to support further lending. (PR Newswire)
The completed Signature Bancorporation merger expands Esquire’s reach into the Chicago and Midwest markets and brings the combined group to about $4.8 billion in assets. That gives its litigation-focused banking model a larger platform for growth. (StockTitan)
Litigation-related loans were about $1.29 billion of Esquire’s $1.90 billion loan book at Q2, leaving the bank heavily exposed to one specialist lending market. A slowdown or longer repayment cycle in that market could weigh on growth and credit performance. (Esquire Financial Holdings 10-Q)
A $4.4 million multifamily loan was placed on non-accrual after a $1.6 million charge-off. It involved the same sponsor as an earlier troubled loan, showing that commercial property losses can arise even while overall problem-loan levels remain low. (PR Newswire)
The Signature merger brings integration and synergy-delivery risk; Esquire’s filing warns that integration could take longer or cost more than expected. Management also indicated that pro forma net interest margin could fall to 5.4–5.5%, below Q2’s 5.96%. (ADVFN, Simply Wall St)
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2026.
ESQ Financial Performance
Revenues and expenses
ESQ Earnings Performance
Company profitability
Upcoming events
No upcoming events
ESQ News
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Funds containing ESQ
AllEURGBPUSD
Fund name | Fund size | $ESQ weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
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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