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Upturn AI SWOT - About
ESQ 
Esquire Financial Holdings Inc (ESQ)
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Upturn Advisory Summary
03/27/2025: ESQ (2-star) is currently NOT-A-BUY. Pass it for now.
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 42.5% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 632.86M USD | Price to earnings Ratio 14.6 | 1Y Target Price 88.67 |
Price to earnings Ratio 14.6 | 1Y Target Price 88.67 | ||
Volume (30-day avg) 61921 | Beta 0.79 | 52 Weeks Range 44.01 - 90.00 | Updated Date 03/30/2025 |
52 Weeks Range 44.01 - 90.00 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 0.93% | Basic EPS (TTM) 5.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.34% | Operating Margin (TTM) 50.78% |
Management Effectiveness
Return on Assets (TTM) 2.49% | Return on Equity (TTM) 20.04% |
Valuation
Trailing PE 14.6 | Forward PE - | Enterprise Value 472920864 | Price to Sales(TTM) 5.27 |
Enterprise Value 472920864 | Price to Sales(TTM) 5.27 | ||
Enterprise Value to Revenue 5.07 | Enterprise Value to EBITDA - | Shares Outstanding 8431450 | Shares Floating 6572330 |
Shares Outstanding 8431450 | Shares Floating 6572330 | ||
Percent Insiders 16.87 | Percent Institutions 60.37 |
Analyst Ratings
Rating 4 | Target Price 85 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Esquire Financial Holdings Inc
Company Overview
History and Background
Esquire Financial Holdings Inc. was founded in 2006. It operates as a financial services company focusing on serving the legal industry and small businesses. It has grown through organic expansion and strategic acquisitions, focusing on providing tailored banking solutions.
Core Business Areas
- Commercial Banking: Provides banking services, including loans, deposits, and treasury management, to law firms and small businesses.
- Litigation Finance: Offers financing solutions to attorneys involved in contingency fee litigation, allowing them to manage cash flow and operational expenses.
Leadership and Structure
The company is led by its CEO and a senior management team. The organizational structure includes departments focused on commercial lending, litigation finance, risk management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans tailored to the financial needs of law firms and small businesses. Market share data is not publicly available at this granular level. Competitors include regional banks and larger financial institutions.
- Litigation Financing: Funding provided to attorneys with contingency fee cases. Market share data is not publicly available at this granular level. Competitors include Burford Capital (BUR), Omni Bridgeway (OBL), and other specialized litigation funders.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with numerous regional and national players. Litigation finance is a growing niche within alternative investments.
Positioning
Esquire Financial Holdings Inc. focuses on niche markets (law firms and small businesses) with tailored financial products. Its competitive advantage lies in its specialization and industry expertise.
Total Addressable Market (TAM)
The TAM for commercial banking is vast, encompassing all businesses requiring financial services. The TAM for litigation finance is smaller but growing, estimated in the billions of dollars. Esquire Financial Holdings Inc. is positioned to capture a segment of these markets through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Specialized expertise in serving the legal industry
- Strong relationships with law firms
- Diversified revenue streams (commercial banking and litigation finance)
- Experienced management team
Weaknesses
- Relatively small size compared to larger competitors
- Concentration risk in serving a specific industry
- Potential volatility in litigation finance returns
- Dependence on macroeconomic conditions
Opportunities
- Expansion into new geographic markets
- Development of new financial products for law firms
- Growth of the litigation finance market
- Strategic acquisitions of complementary businesses
Threats
- Increased competition from larger financial institutions
- Economic downturn impacting law firm profitability
- Changes in legal regulations affecting litigation finance
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Esquire Financial Holdings Inc. faces competition from larger banks and specialized litigation finance firms. Its advantage lies in its specialized expertise and personalized service, while its disadvantage is its smaller size.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: The company's growth has been driven by increased lending activity and expansion of its litigation finance business. Specific historical growth data would be included here if it was given to me.
Future Projections: Analyst estimates for future growth would be included here if it was given to me.
Recent Initiatives: Recent initiatives include expanding its loan portfolio and investing in technology to improve operational efficiency.
Summary
Esquire Financial Holdings Inc. is a niche player focusing on the legal industry and small businesses. Its specialized expertise is a strength, but its smaller size compared to larger competitors is a weakness. Opportunities exist in expanding its product offerings and geographic reach. It should watch out for increased competition and economic downturns.
Similar Companies
- BPOP
- FCNCA
- TCBI
- LPLA
Sources and Disclaimers
Data Sources:
- Company filings
- Market reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Esquire Financial Holdings Inc
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 138 | Website https://www.esquirebank.com |
Full time employees 138 | 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 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, 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 offers cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it provides 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.
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