A Business at a Glance
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Esquire Financial Holdings, Inc.
ESQ
$1.0B
Mkt Cap
$120.10
+3.52%
Esquire Financial Holdings, Inc. (ESQ) has a current P/E ratio of 21.1, compared to its historical median P/E of 13.8. The stock is currently considered Expensive based on its historical valuation range.
Esquire Financial Holdings, Inc. (ESQ) has a 5-year average return on invested capital (ROIC) of 18.9%. This indicates strong capital allocation and a potential competitive advantage.
Esquire Financial Holdings, Inc. (ESQ) has a market capitalization of $1.0B. It is classified as a small-cap stock.
Yes, Esquire Financial Holdings, Inc. (ESQ) pays a dividend with a trailing twelve-month yield of 0.56%.
Based on historical P/E analysis, Esquire Financial Holdings, Inc. (ESQ) appears expensive. The current P/E of 21.1 is 53% above its historical median of 13.8. The estimated fair value CAGR (P/E method) is 27.0%.
Esquire Financial Holdings, Inc. (ESQ) operates in the Commercial Banks, Nec industry, within the Financials sector.
ITEM 1. Business Forward-Looking Statements This Annual Report contains forward-looking statements within the meaning of the federal securities laws. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “might,” “should,” “could,” “predict,” “potential,” “believe,” “expect,” “attribute,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “goal,” “target,” “outlook,” “aim,” “would,” “annualized” and “outlook,” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 164M | 164M | 138M | 122M | 86M | 66M |
| Net Income | 51M | 51M | 44M | 41M | 29M | 18M |
| EPS | $5.87 | $5.87 | $5.14 | $4.91 | $3.47 | $2.26 |
| Free Cash Flow | 57M | 57M | 41M | 42M | 39M | 29M |
| ROIC | 94.6% | 19.3% | 20.0% | 23.0% | 18.9% | 13.3% |
| Gross Margin | 83.4% | 83.4% | 87.3% | 90.0% | 94.0% | 88.1% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Dividends/Share | $0.68 | $0.70 | $0.60 | $0.48 | $0.28 | - |
| Operating Income | 66M | 66M | 59M | 56M | 39M | 23M |
| Operating Margin | 39.9% | 39.9% | 42.9% | 45.9% | 45.2% | 34.6% |
| ROE | 17.5% | 19.3% | 20.0% | 23.0% | 18.9% | 13.3% |
| Shares Outstanding | 9M | 9M | 8M | 8M | 8M | 8M |
| Metric | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Revenue | 15M | 20M | 26M | 37M | 48M | 53M | 66M | 86M | 122M | 138M | 164M | 164M |
| Gross Margin | 91.0% | 94.5% | 94.4% | 93.0% | 90.9% | 86.0% | 88.1% | 94.0% | 90.0% | 87.3% | 83.4% | 83.4% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 6.3M | 8.2M | 10M | 13M | 15M | 17M | 22M | 26M | 32M | 38M | 42M | 42M |
| EBIT | 1.8M | 4.6M | 7.0M | 12M | 19M | 17M | 23M | 39M | 56M | 59M | 66M | 66M |
| Op. Margin | 11.9% | 22.6% | 27.1% | 32.4% | 39.5% | 32.2% | 34.6% | 45.2% | 45.9% | 42.9% | 39.9% | 39.9% |
| Net Income | 1.1M | 2.8M | 3.6M | 8.7M | 14M | 13M | 18M | 29M | 41M | 44M | 51M | 51M |
| Net Margin | 7.4% | 13.6% | 14.0% | 23.7% | 29.2% | 23.7% | 27.3% | 33.2% | 33.7% | 31.6% | 30.9% | 30.9% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||||||||
| ROIC | 5.6% | 5.4% | 5.3% | 9.9% | 13.9% | 10.6% | 13.3% | 18.9% | 23.0% | 20.0% | 19.3% | 94.6% |
| ROE | 5.6% | 5.4% | 5.3% | 9.9% | 13.9% | 10.6% | 13.3% | 18.9% | 23.0% | 20.0% | 19.3% | 17.5% |
| ROA | 53.3% | 1.3% | 0.8% | 1.5% | 1.9% | 1.5% | 1.7% | 2.2% | 2.7% | 2.5% | 2.4% | 2.1% |
| Cash Flow | ||||||||||||
| Op. Cash Flow | 1.6M | 6.3M | 4.0M | 10M | 16M | 16M | 30M | 39M | 42M | 42M | 60M | 60M |
| Free Cash Flow | 1.5M | 3.7M | 3.8M | 9.5M | 16M | 15M | 29M | 39M | 42M | 41M | 57M | 57M |
| Owner Earnings | 1.3M | 5.5M | 3.0M | 8.2M | 15M | 13M | 27M | 36M | 41M | 38M | 55M | 55M |
| CapEx | 85K | 2.7M | 190K | 569K | 647K | 750K | 1.0M | 73K | 605K | 714K | 3.2M | 3.2M |
| Maint. CapEx | 166K | 411K | 411K | 421K | 506K | 568K | 687K | 703K | 707K | 880K | 1.2M | 1.2M |
| Growth CapEx | 0 | 2.3M | 0 | 148K | 141K | 182K | 317K | 0 | 0 | 0 | 1.9M | 1.9M |
| D&A | 166K | 411K | 411K | 421K | 506K | 568K | 687K | 703K | 707K | 880K | 1.2M | 1.2M |
| CapEx/OCF | N/A | N/A | 4.8% | 6.0% | 4.0% | 4.8% | 3.3% | 0.2% | 1.4% | 1.7% | N/A | 5.3% |
| Capital Allocation | ||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.1M | 3.7M | 4.8M | 5.9M | 5.9M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.7% | 1.0% | 1.0% | N/A | 0.6% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 567K | 0 | 0 | 286K | 0 | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | N/A | N/A | N/A | 0.4% | N/A | N/A | 0.1% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 138K | 388K | 554K | 1.5M | 1.1M | 1.5M | 2.0M | 2.4M | 1.1M | 3.4M | 4.0M | 4.0M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||||||||
| Net Debt | 39M | -128M | -172M | -176M | -208M | -183M | -298M | -273M | -286M | -368M | -482M | -236M |
| Cash & Equiv. | -39M | 43M | 43M | 31M | 62M | 65M | 149M | 164M | 165M | 126M | 236M | 236M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2K |
| Debt/Equity | 0.01 | 0.14 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.7 |
| Equity | 1.8M | 52M | 83M | 93M | 111M | 126M | 144M | 158M | 199M | 237M | 290M | 290M |
| Total Assets | 2.1M | 425M | 534M | 664M | 798M | 937M | 1.2B | 1.4B | 1.6B | 1.9B | 2.4B | 2.4B |
| Total Liabilities | 292K | 373M | 450M | 571M | 687M | 811M | 1.0B | 1.2B | 1.4B | 1.7B | 2.1B | 2.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | -5.8M | -2.0M | 6.8M | 21M | 34M | 51M | 78M | 114M | 153M | 198M | 198M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||||||
| EPS | 0.25 | 0.55 | 0.58 | 1.13 | 1.82 | 1.65 | 2.26 | 3.47 | 4.91 | 5.14 | 5.87 | 5.87 |
| Owner EPS | 0.28 | 1.10 | 0.48 | 1.06 | 1.89 | 1.76 | 3.46 | 4.34 | 4.86 | 4.46 | 6.31 | 6.31 |
| Book Value | 0.40 | 10.40 | 13.36 | 12.03 | 14.29 | 16.49 | 18.12 | 19.18 | 23.77 | 27.91 | 33.45 | 33.45 |
| Cash Flow/Share | 0.35 | 1.26 | 0.64 | 1.31 | 2.10 | 2.04 | 3.79 | 4.72 | 5.08 | 4.97 | 6.91 | 6.01 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.28 | 0.48 | 0.60 | 0.70 | 0.68 |
| Shares Out. | 4.5M | 5.0M | 6.2M | 7.7M | 7.8M | 7.6M | 7.9M | 8.2M | 8.4M | 8.5M | 8.7M | 8.7M |
| Valuation | ||||||||||||
| P/E Ratio | N/A | N/A | 32.6 | 18.4 | 14.1 | 11.2 | 13.4 | 11.7 | 10.2 | 15.2 | N/A | 20.5 |
| P/FCF | N/A | N/A | 31.1 | 16.8 | 12.8 | 9.5 | 8.3 | 8.6 | 10.0 | 16.0 | N/A | 18.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12.2 |
| Price/Book | N/A | N/A | 1.4 | 1.7 | 1.8 | 1.1 | 1.7 | 2.1 | 2.1 | 2.8 | N/A | 3.6 |
| Price/Sales | N/A | N/A | 3.9 | 5.0 | 3.8 | 2.5 | 3.1 | 3.5 | 3.2 | 3.8 | N/A | 6.3 |
| FCF Yield | N/A | N/A | 3.2% | 6.0% | 7.8% | 10.5% | 12.1% | 11.6% | 10.0% | 6.2% | N/A | 5.5% |
| Market Cap | 0 | 0 | 119M | 160M | 200M | 141M | 241M | 334M | 419M | 664M | 0 | 1.0B |
| Avg. Price | 0.00 | 0.00 | 15.67 | 23.23 | 22.72 | 17.30 | 25.08 | 35.77 | 43.34 | 55.59 | 0.00 | 120.10 |
| Year-End Price | 0.00 | 0.00 | 18.90 | 20.74 | 25.75 | 18.47 | 30.35 | 40.65 | 50.20 | 78.18 | 0.00 | 120.10 |
Esquire Financial Holdings, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
Esquire Financial Holdings, Inc. trades at 21.1x trailing earnings, compared to its 15-year median P/E of 13.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 19.8x vs a median of 11.4x. The company's 5-year average ROIC is 18.9% with a gross margin of 88.6%. Total shareholder yield (dividends) is 0.6%. At current prices, the estimated annualized return to fair value is +24.8%.
Esquire Financial Holdings, Inc. (ESQ) reported annual revenue of $164 million in its most recent fiscal year, based on SEC EDGAR filings.
Esquire Financial Holdings, Inc. (ESQ) has a net profit margin of 30.9%. This is a strong margin indicating high profitability.
Esquire Financial Holdings, Inc. (ESQ) generated $57 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Esquire Financial Holdings, Inc. (ESQ) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
Esquire Financial Holdings, Inc. (ESQ) reported earnings per share (EPS) of $5.87 in its most recent fiscal year.
Esquire Financial Holdings, Inc. (ESQ) has a return on equity (ROE) of 19.3%. This indicates the company generates strong returns for shareholders.
Esquire Financial Holdings, Inc. (ESQ) has a 5-year average gross margin of 88.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 11 years of financial data for Esquire Financial Holdings, Inc. (ESQ), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Esquire Financial Holdings, Inc. (ESQ) has a book value per share of $33.45, based on its most recent annual SEC filing.