---
title: "Esquire Financial Holdings, Inc. (ESQ.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/ESQ.US.md"
symbol: "ESQ.US"
name: "Esquire Financial Holdings, Inc."
industry: "Regional Banks"
datetime: "2026-05-20T10:27:09.950Z"
locales:
  - [en](https://longbridge.com/en/quote/ESQ.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/ESQ.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/ESQ.US.md)
---

# Esquire Financial Holdings, Inc. (ESQ.US)

## Company Overview

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 provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers 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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.esquirebank.com](https://www.esquirebank.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:15.000Z

**Overall: B (0.38)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 45 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 14.70% |  |
| Net Profit YoY | 14.71% |  |
| P/B Ratio | 3.11 |  |
| Dividend Ratio | 0.69% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 937525616.95 |  |
| Revenue | 142385000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 18.71% | A |
| Profit Margin | 36.26% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 14.70% | B |
| Net Profit YoY | 14.71% | C |
| Total Assets YoY | 23.88% | A |
| Net Assets YoY | 20.16% | A |
| Cash Flow Margin | 123.08% | B |
| OCF YoY | 14.70% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Esquire Financial Holdings, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "14.70%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "14.71%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "3.11",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.69%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "937525616.95",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "142385000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "18.71%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "36.26%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "14.70%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "14.71%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "23.88%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "20.16%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "123.08%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "14.70%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 18.16 | 241/329 | 18.16 | 17.48 | 16.54 |
| PB | 3.11 | 295/329 | 3.20 | 3.06 | 2.93 |
| PS (TTM) | 6.58 | 283/329 | 6.68 | 6.41 | 6.06 |
| Dividend Yield | 0.69% | 243/329 | 0.70% | 0.68% | 0.65% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-23T04:00:00.000Z

Total Analysts: **3**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 1 | 33% |
| Overweight | 1 | 33% |
| Hold | 1 | 33% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 108.55 |
| Highest Target | 130.00 |
| Lowest Target | 120.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/ESQ.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/ESQ.US/norm.md)
- [Related News](https://longbridge.com/en/quote/ESQ.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/ESQ.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**