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1. Company Snapshot

1.a. Company Description

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, including 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 merchant 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.As of January 25, 2022, the company operated a full-service branch in Jericho, New York; and an administrative office in Boca Raton, Florida.Esquire Financial Holdings, Inc.


was founded in 2006 and is headquartered in Jericho, New York.

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1.b. Last Insights on ESQ

Esquire Financial Holdings' recent performance was negatively impacted by a Q4 earnings miss, with EPS at $1.37, missing the estimate of $1.40. Despite strong commercial loan and deposit growth, driving record earnings for 2024, the company's inability to meet earnings expectations weighed on its performance. Additionally, the decline in earnings from the same period last year, down to $1.18, further contributed to the negative sentiment.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Esquire Financial Holdings, Inc. $ESQ Shares Bought by Geode Capital Management LLC

Dec -01

Source: defenseworld.net

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Envestnet Asset Management Inc. Makes New Investment in Esquire Financial Holdings, Inc. $ESQ

Nov -17

Source: defenseworld.net

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ESQUIRE FINANCIAL HOLDINGS, INC. DECLARES REGULAR QUARTERLY DIVIDEND FOR COMMON STOCKHOLDERS

Oct -30

Source: prnewswire.com

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Here's What Key Metrics Tell Us About Esquire Financial (ESQ) Q3 Earnings

Oct -23

Source: zacks.com

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Esquire Financial Holdings, Inc. (ESQ) Beats Q3 Earnings and Revenue Estimates

Oct -23

Source: zacks.com

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ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS THIRD QUARTER 2025 RESULTS

Oct -23

Source: prnewswire.com

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Esquire Bank Recognized as a 2025 Top Deposit Franchise by S&P Global Market Intelligence

Sep -16

Source: prnewswire.com

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ESQUIRE FINANCIAL HOLDINGS, INC. EXPANDS NATIONAL FOOTPRINT WITH NEW LOS ANGELES BANKING LOCATION

Aug -12

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (1.00%)

6. Segments

Community Banking

Expected Growth: 1.0%

Community Banking from Esquire Financial Holdings, Inc. growth driven by strategic expansion into underserved markets, increased adoption of digital banking platforms, and a focus on customer-centric services, resulting in a 1.0 growth rate.

7. Detailed Products

Banking Services

Esquire Financial Holdings, Inc. offers a range of banking services, including deposit accounts, loans, and cash management solutions to individuals, businesses, and institutions.

Wealth Management

Esquire Financial Holdings, Inc. provides wealth management services, including investment advice, portfolio management, and retirement planning to individuals and families.

Mortgage Lending

Esquire Financial Holdings, Inc. offers mortgage lending services, including residential and commercial mortgage loans, to individuals and businesses.

Treasury Management

Esquire Financial Holdings, Inc. provides treasury management services, including cash management, foreign exchange, and trade finance solutions to corporations and institutions.

Capital Markets

Esquire Financial Holdings, Inc. offers capital markets services, including investment banking, equity and debt capital markets, and research to corporations and institutions.

8. Esquire Financial Holdings, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Esquire Financial Holdings, Inc. operates in a niche market with limited substitutes, reducing the threat of substitutes.

Bargaining Power Of Customers

Esquire Financial Holdings, Inc. has a diverse customer base, reducing the bargaining power of individual customers.

Bargaining Power Of Suppliers

Esquire Financial Holdings, Inc. relies on a few key suppliers, giving them some bargaining power, but the company's size and diversification mitigate this risk.

Threat Of New Entrants

The financial services industry is highly competitive, and new entrants can easily disrupt the market, posing a significant threat to Esquire Financial Holdings, Inc.

Intensity Of Rivalry

The financial services industry is highly competitive, with many established players, leading to a high intensity of rivalry for Esquire Financial Holdings, Inc.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 0.39%
Debt Cost 7.83%
Equity Weight 99.61%
Equity Cost 7.83%
WACC 7.83%
Leverage 0.39%

11. Quality Control: Esquire Financial Holdings, Inc. passed 8 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Esquire Financial

A-Score: 6.3/10

Value: 4.1

Growth: 8.8

Quality: 7.4

Yield: 1.0

Momentum: 9.5

Volatility: 7.3

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Quality: 7.8

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A-Score: 5.1/10

Value: 5.4

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Quality: 8.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

103.76$

Current Price

103.76$

Potential

0.00%

Expected Cash-Flows