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Esquire Financial Holdings, Inc. ESQ

Nasdaq · stock · Commercial Banks, NEC · website · IPO 2017-06-27

Esquire Financial Holdings, Inc. statistics & valuation

Market cap$1.0B
P / E20.1×
P / B3.5×
P / FCF18.1×
Dividend yield0.57%
Return on equity17.5%
Graham number -50%$66.45

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($66.45); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
5.40% 4.40% 9.40% 12.70% 10.00% 12.50% 18.10% 20.70% 18.40% 17.50% 2016201720182019202020212022202320242025
Shares outstanding
5.0M 7.3M 7.7M 7.8M 7.8M 8.1M 8.2M 8.3M 8.5M 8.7M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.70% 1.30% 1.80% 1.30% 1.50% 2.00% 2.50% 2.30% 2.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.55 $0.58 $1.13 $1.82 $1.65 $2.26 $3.47 $4.91 $5.14 $5.87 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Esquire Financial Holdings, Inc. trades at about 22.6× earnings — above its 10-year norm (10-year range 10.2×–39.2×, median 15.3×).

10.2× 39.2×

Shaded band = 10-year range (10.2×–39.2×); dot = today's 22.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets2.1%2.3%2.5%2.0%1.5%1.3%1.8%1.3%0.7%0.7%
Return on equity17.5%18.4%20.7%18.1%12.5%10.0%12.7%9.4%4.4%5.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.