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
$785M
18.01
$5.39
0.57
$0.68
0.72%
Price and volume
Market cap
$785M
Beta
0.57
52-week high
$106.11
52-week low
$68.90
Average daily volume
66K
Dividend rate
$0.68
Financial strength
Dividend payout ratio (TTM)
11.41%
Profitability
Net profit margin (TTM)
36.59%
Operating margin (TTM)
49.61%
Effective tax rate (TTM)
25.13%
Revenue per employee (TTM)
$920,000
Management effectiveness
Return on assets (TTM)
2.46%
Return on equity (TTM)
19.30%
Valuation
Price to earnings (TTM)
18.01
Price to revenue (TTM)
6.063
Price to book
2.96
Price to tangible book (TTM)
2.96
Price to free cash flow (TTM)
17.701
Free cash flow yield (TTM)
5.65%
Free cash flow per share (TTM)
5.482
Dividend yield (TTM)
0.70%
Forward dividend yield
0.72%
Growth
Revenue change (TTM)
12.91%
Earnings per share change (TTM)
12.45%
3-year revenue growth (CAGR)
25.32%
3-year earnings per share growth (CAGR)
27.63%
3-year dividend per share growth (CAGR)
93.30%
Bulls say / Bears say
Net income for the quarter ended March 31, 2025 grew 13% to $11.4 million ($1.33 per diluted share), driven by a 20.8% increase in net interest income from higher average earning assets (PR Newswire).
Esquire’s common equity Tier 1 ratio of 15.24% and tangible common equity to tangible asset ratio of 12.83% significantly exceed FDIC well-capitalized standards (Esquire IR).
Recognized as a “Best-Performing U.S. Small Community Bank of 2024” by S&P Global Market Intelligence, underscoring its industry-leading returns and risk profile (Esquire IR).
Net interest margin narrowed by 10 basis points to 5.96% in Q1 2025, reflecting pressure from elevated non-earning cash balances and lower short-term market rates (PR Newswire).
Payment processing fees declined 7.5% year-over-year to $4.9 million in Q1 2025, as anticipated ISO and merchant turnover weighed on noninterest income (PR Newswire).
Noninterest expense increased 15% to $16.7 million in Q1 2025 due to higher compensation and technology investments, raising the efficiency ratio to 49.6% and tempering net income growth (PR Newswire).
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
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 $785M as of September 14, 2025.
What is the P/E ratio for Esquire Financial stock?
The price to earnings (P/E) ratio for Esquire Financial (ESQ) stock is 18.01 as of September 14, 2025.
Does Esquire Financial stock pay dividends?
Yes, the Esquire Financial (ESQ) stock pays dividends to shareholders. As of September 14, 2025, the dividend rate is $0.675 and the yield is 0.72%. Esquire Financial has a payout ratio of 11.41% 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 0.57. 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.