profit from every $100 of sales.
$0$100
Esquire Financial Holdings
$131.84-1.19% today
+35.8% in 1 year
1-year low $95.281-year high $133.43
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $31.54 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Esquire Financial Holdings sold, what it kept, and what it did with the cash.
Sales went from $84.3 million in 2022 to $147 million in 2025, with $50.8 million of profit last year.
SalesProfit
Esquire Financial Holdings handed back 11% of the cash it generated last year.
$6M
Free cash flow 2025$54M
Bought back its own shares$0
Paid as dividends$6M
Esquire Financial Holdings vs. similar companies
Esquire Financial Holdings grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Esquire Financial Holdings | 31.5× · Expensive | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Esquire Financial Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 84 | 114 | 125 | 147 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 29 | 41 | 44 | 51 | |
| 3.47 | 4.91 | 5.14 | 5.87 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.8% | 36.1% | 35.0% | 34.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,396 | 1,617 | 1,893 | 2,366 |
| Cash | 164 | 165 | 126 | 236 |
| Total debt | – | – | – | – |
| Total liabilities | 1,237 | 1,418 | 1,655 | 2,076 |
| 158 | 199 | 237 | 290 | |
| 8 | 8 | 8 | 9 | |
| – | – | – | – | |
| 18.0% | 20.7% | 18.4% | 17.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 39 | 42 | 42 | 60 | |
| 1 | 3 | 3 | 6 | |
| 38 | 39 | 39 | 54 | |
| Dividends paid | 2 | 4 | 5 | 6 |
| 0 | 0 | 0 | 0 | |
| 2 | 3 | 4 | 5 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 31.5×
- 19.8×
- 1.65
- 3.0×
- 10.9×
- 3.2%
- 0.7%
Profitability
- 34.7%
- 16.9%
- 17.4%
- 18.2%
- 2.1%
Growth
- +20.3%
- +19.2%
- –
- +3.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 13%of 749
Top 20%of 603
Bottom 18%of 881
Top 26%of 884
Bottom 44%of 933
What analysts expect
- Average price target
- $125.00
- Range
- $125.00 – $125.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 1.58 | 1.52 | +3.9% |
| Jan 22, 2026 | 1.55 | 1.56 | −0.6% |
| Oct 23, 2025 | 1.47 | 1.47 | +0.0% |
| Jul 24, 2025 | 1.38 | 1.38 | +0.0% |
| Apr 24, 2025 | 1.33 | 1.31 | +1.5% |
| Mar 17, 2025 | 1.38 | – | – |
| Oct 24, 2024 | 1.34 | 1.31 | +2.3% |
| Jul 25, 2024 | 1.25 | 1.19 | +5.0% |
0.7%of the share price, paid each year
On $1,000 invested$7a year at today's yield, before tax
–per share
Raised3 yearsin a row, in our data
Paid per share, each year
$0.28 in 2022 → $0.70 in 2025
How safe it looks
11.5% of its profit
Room to growStretchedMore than it earns: 10.8%
News
Esquire Financial Holdings, Inc. Q3 2026 Earnings Call SummaryYahoo Finance · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
64Pass
Benjamin Graham
40No pass
Philip Fisher
79Pass
Peter Lynch
72Pass
Joel Greenblatt
27No pass
Charlie Munger
69Pass
Terry Smith
72Pass
Questions about Esquire Financial Holdings
Is Esquire Financial Holdings a good stock to buy?
A strong, very profitable business, but the price is high. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Esquire Financial Holdings AI analysis
What does Esquire Financial Holdings do?
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. It is in Banks - Regional.
Does Esquire Financial Holdings pay a dividend?
Yes. At today's price the dividend is 0.7% a year, about 12% of its yearly profit. In 2025 it paid out $5.86 million in dividends.
Is Esquire Financial Holdings stock halal?
No. Esquire Financial Holdings does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Esquire Financial Holdings stock done over the past year?
Up 35.8% over the past twelve months, to $131.84. It traded between $95.28 and $133.43, close to its high.
Who are Esquire Financial Holdings's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Esquire Financial Holdings's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.