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ESQ 
Esquire Financial Holdings Inc (ESQ)
Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/31/2024: ESQ (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 46.34% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/31/2024 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 661.54M USD | Price to earnings Ratio 16.06 | 1Y Target Price 80 |
Price to earnings Ratio 16.06 | 1Y Target Price 80 | ||
Volume (30-day avg) 49158 | Beta 0.71 | 52 Weeks Range 44.10 - 81.68 | Updated Date 01/1/2025 |
52 Weeks Range 44.10 - 81.68 | Updated Date 01/1/2025 | ||
Dividends yield (FY) 0.75% | Basic EPS (TTM) 4.95 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.96% | Operating Margin (TTM) 50.33% |
Management Effectiveness
Return on Assets (TTM) 2.56% | Return on Equity (TTM) 19.99% |
Valuation
Trailing PE 16.06 | Forward PE - | Enterprise Value 474494848 | Price to Sales(TTM) 5.69 |
Enterprise Value 474494848 | Price to Sales(TTM) 5.69 | ||
Enterprise Value to Revenue 5.48 | Enterprise Value to EBITDA - | Shares Outstanding 8321310 | Shares Floating 6470207 |
Shares Outstanding 8321310 | Shares Floating 6470207 | ||
Percent Insiders 16.24 | Percent Institutions 58.45 |
AI Summary
Company Profile:
Esquire Financial Holdings Inc. is a bank holding company based in Jericho, New York. The company operates through its subsidiary, Esquire Bank, which provides commercial banking services to small businesses, professionals, and individuals. Esquire Bank offers a range of banking products and services, including commercial loans, SBA loans, commercial real estate financing, and deposit products.
The company was founded in 2006 and went public in 2017. Esquire Financial Holdings Inc. has a strong presence in the New York metropolitan area and serves a diverse customer base across various industries.
The leadership team of Esquire Financial Holdings Inc. is headed by Andrew Sagliocca, who serves as the Chairman, President, and CEO. The company's corporate structure includes executive officers responsible for various functions such as finance, operations, risk management, and compliance.
Top Products and Market Share:
Esquire Financial Holdings Inc.'s top products include commercial loans, SBA loans, and deposit products. These offerings cater to the needs of small businesses and professionals seeking financing solutions and banking services.
In terms of market share, Esquire Financial Holdings Inc. competes with other regional and national banks in the commercial banking sector. The company's market share is influenced by its customer base, lending practices, and competitive positioning within the industry.
Financial Performance:
In recent years, Esquire Financial Holdings Inc. has demonstrated steady financial performance, with consistent revenue growth and solid profit margins. The company has reported positive net income and earnings per share (EPS), reflecting its operational efficiency and effective risk management practices.
Year-over-year financial performance comparisons show Esquire Financial Holdings Inc.'s ability to maintain profitability and generate sustainable growth. The company's cash flow statements and balance sheet health indicate a strong financial position and liquidity.
Dividends and Shareholder Returns:
Esquire Financial Holdings Inc. has a history of paying dividends to its shareholders, with dividend yields and payout ratios reflecting the company's commitment to returning value to investors. Shareholder returns have been competitive, with total returns reflecting stock price appreciation and dividend income over different time periods.
Growth Trajectory:
Historical growth analysis of Esquire Financial Holdings Inc. shows the company's expansion and business development over the past decade. Future growth projections are based on industry trends, market demand, and the company's strategic initiatives aimed at increasing market share and profitability.
Market Dynamics:
Esquire Financial Holdings Inc. operates in the banking industry, which is subject to regulatory changes, technological advancements, and competitive pressures. The company's adaptability to market dynamics and its ability to capitalize on emerging trends are key factors in its long-term success.
Competitors:
Key competitors of Esquire Financial Holdings Inc. in the banking sector include regional and national banks such as Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC). Market share percentages and comparisons with competitors influence Esquire Financial Holdings Inc.'s competitive positioning and growth prospects.
Potential Challenges and Opportunities:
Key challenges facing Esquire Financial Holdings Inc. include regulatory compliance, cybersecurity threats, and economic uncertainties impacting the banking sector. Potential opportunities for the company include expanding into new markets, introducing innovative products, and forging strategic partnerships to drive growth.
Recent Acquisitions (last 3 years):
Esquire Financial Holdings Inc. has not made any acquisitions in the last 3 years.
AI-Based Fundamental Rating:
Esquire Financial Holdings Inc.'s stock fundamentals receive a rating of 7 out of 10 based on an AI-based evaluation. This rating takes into account the company's strong financial performance, competitive positioning, and growth prospects in the banking industry.
Sources and Disclaimers:
Website sources used for this analysis include Esquire Financial Holdings Inc.'s official website, financial news publications, and stock market data platforms.
This overview is for informational purposes only and should not be construed as investment advice. Investors should conduct their own research and consult with financial advisors before making investment decisions.
About NVIDIA Corporation
Exchange NASDAQ | Headquaters Jericho, NY, United States | ||
IPO Launch date 2017-06-27 | Vice Chairman, CEO & President Mr. Andrew C. Sagliocca | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 140 | Website https://www.esquirebank.com |
Full time employees 140 | Website https://www.esquirebank.com | ||
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. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides 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, or 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. In addition, it offers cash management, cash sweep, online and mobile banking, individual retirement accounts, and working capital lines of credit. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
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