QualityDipStocks / Finance · Commercial Banks
Esquire Financial ESQ
Outside our quality screen, so we don’t track its dips. It’s 6% below its 52-week high.
Outside our quality screen. No fair value estimate for now: its share count is unclear.
- Fair value est.
- n/a
- Market Value
- $127.73price −3%
- Off 52-wk high
- −6%
- Risk vs market
- Lowbeta 0.50
52-week range 78% of the way from its 52-week low to its high
Price $124.33Market Value $127.73
4 bullish · 5 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
No estimate for ESQ: SEC share count doesn't match the listed shares (share class / ADR ratio unclear). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much ESQ moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 2.5× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.50
- Volatility
- 32% vs 13% SPY
- Correlation SPY
- 0.20
- Correlation QQQ
- 0.08
Valuation details
MV $127.73
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthSales compounded 20% a year from FY2022 to FY2025.
GrowthSales grew 19% to $160M over the last 12 months vs the 12 months before (SEC filings).
ProfitabilityReturn on equity of 18% over the last 12 months.
ProfitabilityNet margin of 33%, above the 22% median for the 350 Finance companies we cover.
Top bearish points 5 of 5
ValuationP/E of 28.5× vs a 13.3× median for the 364 Finance companies we cover.
ValuationPrice / book of 4.8×, above the 1.6× median for the 368 Finance companies we cover.
Cash returnsDividend yield of 0.4%, below the 2.4% median for the 300 Finance companies we cover.
Cash returnsShare count up 1.0% over 12 months, above the −1.0% median for the 318 Finance companies we cover.
QualityDoesn’t pass our quality screen: no cash-flow data.
All fundamentals
P/E 28.5 · ROE 18% · Sales +19%
Valuation
- P/E
- 28.5×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 9.40×
- Price / book
- 4.78×
- Market cap
- $1.5Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $160Mnet interest income + noninterest income
- Sales growth, 12 months
- +18.6%vs the 12 months before
- Sales growth, 3 yrs
- +20.3%/yrfrom FY2022
- Diluted EPS, 12 months
- $6.06
- EPS growth, last FY
- +14.2%
- Net income, 12 months
- $53M
- Net income growth
- +14%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 33.0%
- FCF margin
- 41.6%
- Return on equity
- 18%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $242M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $66M
- FCF growth, 12 months
- +44%
- Dividend yield
- 0.43%$6M paid
- Payout ratio
- 12%
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +1.0%diluted shares vs a year ago
- Stock-based comp
- $6M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Esquire Financial’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +66%
- Return on equity10%
- Sales growth (latest quarter vs year-ago quarter)+66%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $124.33
- 52-wk lowlowest close, 1 year$93.80−24.6%
- PriceMon Nov 2 close$124.33you are here
- Market Valueavg paid since Oct 27$127.73+2.7%
- 52-wk highhighest close, 1 year$132.92+6.9%
Momentum & 52-week range
RSI 55 · 5 days +0.4%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
ESQ is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Esquire Financial in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Commercial Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.