Stocks · Financial Services · Banks - Regional
Esquire Financial Holdings, Inc. ESQ
$118.02 -1.58% Close, Oct 5, 2026 · NASDAQ · Market cap $1.04B
High quality
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 19.5× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 143 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $179.9M, up 20.0% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth79Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 22%
- EPS growth (TTM, YoY)Bottom 40%
- FCF growth (TTM, YoY)Top 36%
- Revenue growth, 3-year CAGRTop 21%
- Revenue growth accelerationTop 50%
Quality98Exceptional
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 7%
- Gross marginTop 8%
- Operating marginTop 14%
- Cash conversion (OCF / net income)Top 41%
- Accruals (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Top 8%
- Interest coverTop 24%
Value34Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 42%
- Free-cash-flow yieldBottom 39%
- EBITDA / enterprise valueTop 30%
- Sales / enterprise valueBottom 30%
- P/E vs own 5-year history (lower is better)Bottom 7%
Momentum53Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 37%
- 6-month returnTop 41%
- 1-year return vs S&P 500Top 34%
- Distance from 52-week highBottom 44%
- Trend checklist (0–4)Top 48%
Revisions46Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 35%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 17%
- Upside to consensus price targetBottom 15%
Stability67Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 23%
- Maximum drawdown, 3 yearsTop 27%
- Beta vs S&P 500 (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Top 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 20.1% | 20.0% | ↓ |
| EPS growth (YoY) | 12.5% | 11.8% | ↓ |
| Gross margin | 84.6% | 86.1% | ↑ |
| Operating margin | 41.3% | 40.6% | ↓ |
| FCF margin | 29.0% | 33.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 20.0% | 20.1% | ↓ | Top 22% |
| EPS growth (TTM, YoY) | 11.8% | 12.5% | ↓ | Bottom 40% |
| Gross margin | 86.1% | 84.6% | ↑ | Top 8% |
| Operating margin | 40.6% | 41.3% | ↓ | Top 14% |
| Net margin | 29.3% | 31.0% | ↓ | — |
| Free-cash-flow margin | 33.5% | 29.0% | ↑ | — |
| Return on invested capital | 16.6% | — | Top 7% | |
| Revenue growth, 3-year CAGR | 24.2% | — | Top 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.28×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 3.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -120.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 3.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.62%
- Net buyback yield (TTM)
- -0.05%
- Shareholder yield
- 0.57%
- Share count change, 1 year
- +1.1%
- Share count change, 3-year CAGR
- +1.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +1.6%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $120.50
- Target vs current price
- +2.1%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 75%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +2.6% | -4.1% | +9.0% | -3.7% | — |
| Apr 23, 2026 | +3.9% | +4.3% | -4.1% | +2.6% | +12.2% |
| Jan 22, 2026 | -0.6% | +0.7% | -4.2% | -2.7% | +5.7% |
| Oct 23, 2025 | +0.7% | +0.9% | -6.0% | -4.5% | +3.5% |
| Jul 24, 2025 | +0.0% | +1.0% | -7.4% | -6.7% | -5.2% |
| Apr 24, 2025 | +2.3% | +2.3% | -0.2% | +6.7% | +21.4% |
| Jan 23, 2025 | -0.7% | -3.2% | -4.2% | -8.0% | -9.5% |
| Oct 24, 2024 | +2.3% | +4.6% | +6.8% | +16.2% | +41.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.60 | $1.56 | +2.6% | $42.1M |
| Apr 23, 2026 | $1.58 | $1.52 | +3.9% | $40.5M |
| Jan 22, 2026 | $1.55 | $1.56 | -0.6% | $39.4M |
| Oct 23, 2025 | $1.47 | $1.46 | +0.7% | $37.6M |
| Jul 24, 2025 | $1.38 | $1.38 | +0.0% | $35.8M |
| Apr 24, 2025 | $1.33 | $1.30 | +2.3% | $33.8M |
| Jan 23, 2025 | $1.37 | $1.38 | -0.7% | $33.1M |
| Oct 24, 2024 | $1.34 | $1.31 | +2.3% | $31.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 19.5× | 14.3× | 95th | Bottom 42% |
| P/E (forward) | 17.0× | — | — | — |
| EV / EBITDA | 10.3× | — | — | Top 30% |
| EV / Sales | 4.41× | — | — | Bottom 30% |
| Free-cash-flow yield | 5.81% | — | — | Bottom 39% |
| Earnings yield | 5.13% | — | — | Bottom 42% |
P/E over the past five years
Range 9.4× – 21.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +17.4%
- Earnings per share growth (TTM)
- +11.8%
- Change in P/E multiple
- +23.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 143
- 50-day average slope (20 days)
- +0.0%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -3.1%
- Distance from 200-day average
- +4.5%
- RSI (14)
- 45.8
- Relative volume
- 0.77×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 33.1%
- Volatility vs own 5-year history
- 67th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.66
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -11.2%
- Maximum drawdown, 3 years
- -20.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 4, 2022 | Mar 23, 2023 | -25.1% | 94 days | 59 days (Jun 16, 2023) |
| Jan 31, 2025 | Mar 10, 2025 | -20.8% | 25 days | 43 days (May 9, 2025) |
| Nov 15, 2021 | Dec 13, 2021 | -20.4% | 19 days | 90 days (Apr 22, 2022) |
| Jan 29, 2024 | Apr 17, 2024 | -17.7% | 55 days | 60 days (Jul 15, 2024) |
| Jun 2, 2022 | Jun 24, 2022 | -16.4% | 15 days | 34 days (Aug 12, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.04B
- P/E (TTM)
- 19.5
- EPS, diluted (TTM)
- $6.06
- Revenue (TTM)
- $179.9M
- Dividend yield
- 0.66%
- 52-week range
- $92.10 – $134.82
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $65.6M | $85.9M | $121.6M | $138.3M | $164.5M |
| Gross profit | $57.8M | $80.8M | $109.0M | $120.1M | $139.8M |
| Operating income | $22.7M | $38.8M | $55.9M | $59.3M | $68.5M |
| Net income | $17.9M | $28.5M | $41.0M | $43.7M | $50.9M |
| EPS (diluted) | $2.26 | $3.47 | $4.91 | $5.14 | $5.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $35.2M | $37.0M | $37.7M | $40.1M | $42.4M | $44.4M | $45.5M | $47.7M |
| Net income | $11.4M | $11.8M | $11.4M | $11.9M | $14.1M | $13.5M | $12.2M | $13.0M |
| EPS (diluted) | $1.34 | $1.37 | $1.33 | $1.38 | $1.62 | $1.55 | $1.40 | $1.49 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $30.1M | $38.8M | $42.4M | $42.2M | $59.8M |
| Capital expenditure | -$2.9M | -$1.2M | -$3.0M | -$3.1M | -$3.2M |
| Free cash flow | $27.1M | $37.6M | $39.4M | $39.1M | $56.7M |
| Dividends paid | $0 | -$2.1M | -$3.7M | -$4.8M | -$5.9M |
| Net share buybacks | $27,000 | $0 | -$286,000 | $505,000 | $887,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $541.6M
- Total assets
- $2.51B
- Total liabilities
- $2.20B
- Total debt
- $0
- Net debt
- -$242.2M
- Shareholders’ equity
- $313.9M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.20 | Sep 1, 2026 |
| May 15, 2026 | $0.20 | Jun 1, 2026 |
| Feb 13, 2026 | $0.20 | Mar 2, 2026 |
| Nov 14, 2025 | $0.18 | Dec 1, 2025 |
| Aug 15, 2025 | $0.18 | Sep 2, 2025 |
| May 15, 2025 | $0.18 | Jun 2, 2025 |
| Feb 14, 2025 | $0.18 | Mar 3, 2025 |
| Nov 15, 2024 | $0.15 | Dec 2, 2024 |
Short interest
- Shares sold short
- 1,017,061
- Days to cover
- 5.73
- Change vs previous report
- +19.2%
FINRA short interest, settlement date Sep 15, 2026.