Stocktoria
Esquire Financial Holdings, Inc. ESQ
Esquire Financial Holdings, Inc. (ESQ) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 0.57% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ESQ | Esquire Financial Holdings, Inc. | 3/9 | — | 20.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| HDB | HDFC BANK LTD | 5/9 | — | — | +15.2% |
| NTB | Bank of N.T. Butterfield & Son Ltd | 7/9 | — | 10.4 | +4.6% |
| PGC | PEAPACK GLADSTONE FINANCIAL CORP | 6/9 | — | 22.8 | +24.1% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
All Finance, Insurance & Real Estate companies →
About Esquire Financial Holdings, Inc.
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it provides cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it offers payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
FAQ
Is ESQ financially healthy?
Esquire Financial Holdings, Inc.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does ESQ pay a dividend, and is it safe?
Yes. Esquire Financial Holdings, Inc. pays a dividend yielding about 0.57% with a 11.5% payout ratio, rated “safe” for safety.
How profitable is ESQ?
In FY2025, Esquire Financial Holdings, Inc. had a return on equity of 17.5%.
Is ESQ overvalued or undervalued?
Esquire Financial Holdings, Inc. trades at about 22.6× trailing earnings — above its 10-year norm (10-year range 10.2×–39.2×, median 15.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ESQ?
The average Wall-Street price target for Esquire Financial Holdings, Inc. is $125.00, about 5.9% below the recent price, from 3 analysts.
Is ESQ a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Esquire Financial Holdings, Inc.: a Piotroski F-score of 3/9, a P/E of about 20.1×, a dividend yield of 0.57%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.