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Esquire Financial Holdings, Inc. ESQ

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126.91 USD -0.45 (-0.35%)

At closeNov 5, 2026, 4:00 PM EST

126.91 0.00 0.00%

After hours · Nov 5, 4:00 PM ET

125.38 Day range 130.00
95.28 52-week range 132.92
YTD
+24.34%
1 year
+31.11%

Financial health

Altman Z-Score

-0.41 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B-2 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 2
  • P/B 2

Valuation

P/E 16.2×
FY 2016: 27.7×FY 2017: 33.5×FY 2018: 18.4×FY 2019: 13.6×FY 2020: 11.3×FY 2021: 13.1×FY 2022: 11.6×FY 2023: 9.4×FY 2024: 14.2×FY 2025: 16.2×
FY 2016 5y median 13.1× FY 2025
P/S 5.4×
FY 2016: 3.7×FY 2017: 4.7×FY 2018: 4.4×FY 2019: 4.0×FY 2020: 2.7×FY 2021: 3.6×FY 2022: 3.8×FY 2023: 3.2×FY 2024: 4.5×FY 2025: 5.4×
FY 2016 5y median 3.8× FY 2025
P/B 3.1×
FY 2016: 1.5×FY 2017: 1.5×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 1.1×FY 2021: 1.6×FY 2022: 2.1×FY 2023: 1.9×FY 2024: 2.6×FY 2025: 3.1×
FY 2016 5y median 2.1× FY 2025
P/FCF 15.7×
FY 2016: 20.8×FY 2017: 32.5×FY 2018: 18.1×FY 2019: 13.5×FY 2020: 11.4×FY 2021: 8.7×FY 2022: 8.8×FY 2023: 9.8×FY 2024: 15.9×FY 2025: 15.7×
FY 2016 5y median 9.8× FY 2025
EV/EBITDA 9.1×
FY 2016: 7.0×FY 2017: 10.8×FY 2018: 10.2×FY 2019: 6.4×FY 2020: 4.1×FY 2021: 3.5×FY 2022: 4.0×FY 2023: 3.8×FY 2024: 7.9×FY 2025: 9.1×
FY 2016 5y median 4.0× FY 2025
EV/Sales 4.0×
FY 2016: 1.6×FY 2017: 3.1×FY 2018: 3.5×FY 2019: 2.7×FY 2020: 1.4×FY 2021: 1.3×FY 2022: 1.9×FY 2023: 1.8×FY 2024: 3.6×FY 2025: 4.0×
FY 2016 5y median 1.9× FY 2025
FCF Yield 6.4%
FY 2016: 4.8%FY 2017: 3.1%FY 2018: 5.5%FY 2019: 7.4%FY 2020: 8.8%FY 2021: 11.5%FY 2022: 11.4%FY 2023: 10.2%FY 2024: 6.3%FY 2025: 6.4%
FY 2016 5y median 10.2% FY 2025

Profitability

Gross Margin 85.0%
FY 2016: 94.5%FY 2017: 94.4%FY 2018: 93.0%FY 2019: 90.9%FY 2020: 86.0%FY 2021: 88.1%FY 2022: 94.0%FY 2023: 89.6%FY 2024: 86.9%FY 2025: 85.0%
FY 2016 5y median 88.1% FY 2025
Operating Margin 41.7%
FY 2016: 22.6%FY 2017: 27.1%FY 2018: 32.4%FY 2019: 39.5%FY 2020: 32.2%FY 2021: 34.6%FY 2022: 45.2%FY 2023: 45.9%FY 2024: 42.9%FY 2025: 41.7%
FY 2016 5y median 42.9% FY 2025
Net Margin 30.9%
FY 2016: 13.9%FY 2017: 14.1%FY 2018: 23.7%FY 2019: 29.2%FY 2020: 23.7%FY 2021: 27.3%FY 2022: 33.2%FY 2023: 33.7%FY 2024: 31.6%FY 2025: 30.9%
FY 2016 5y median 31.6% FY 2025
ROE 17.6%
FY 2016: 5.4%FY 2017: 4.4%FY 2018: 9.4%FY 2019: 12.7%FY 2020: 10.0%FY 2021: 12.5%FY 2022: 18.0%FY 2023: 20.7%FY 2024: 18.4%FY 2025: 17.6%
FY 2016 5y median 18.0% FY 2025
ROIC 10.9%
FY 2016: 5.4%FY 2017: 4.4%FY 2018: 9.4%FY 2019: 12.7%FY 2020: 10.0%FY 2021: 12.5%FY 2022: 18.0%FY 2023: 19.6%FY 2024: 17.4%FY 2025: 10.9%
FY 2016 5y median 17.4% FY 2025
ROA 2.1%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 1.3%FY 2019: 1.8%FY 2020: 1.3%FY 2021: 1.5%FY 2022: 2.0%FY 2023: 2.5%FY 2024: 2.3%FY 2025: 2.1%
FY 2016 5y median 2.1% FY 2025

Growth (YoY)

Revenue 19.0%
FY 2016: 31.8%FY 2017: 27.7%FY 2018: 42.1%FY 2019: 31.7%FY 2020: 9.9%FY 2021: 23.0%FY 2022: 31.1%FY 2023: 41.6%FY 2024: 13.7%FY 2025: 19.0%
FY 2016 FY 2025
Operating Income 15.6%
FY 2016: 149.9%FY 2017: 53.3%FY 2018: 69.5%FY 2019: 60.5%FY 2020: -10.3%FY 2021: 32.3%FY 2022: 70.9%FY 2023: 44.0%FY 2024: 6.1%FY 2025: 15.6%
FY 2016 FY 2025
EPS (diluted) 14.4%
FY 2016: 150.0%FY 2017: 5.5%FY 2018: 94.8%FY 2019: 61.1%FY 2020: -9.3%FY 2021: 37.0%FY 2022: 53.5%FY 2023: 41.5%FY 2024: 4.7%FY 2025: 14.4%
FY 2016 FY 2025
Free Cash Flow 45.1%
FY 2016: 146.2%FY 2017: 3.7%FY 2018: 133.8%FY 2019: 60.8%FY 2020: -12.6%FY 2021: 117.9%FY 2022: 38.4%FY 2023: 4.9%FY 2024: -0.8%FY 2025: 45.1%
FY 2016 FY 2025

Financial Health

Current Ratio 488×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 488×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 488×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 488×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -3.2×
FY 2016: -9.0×FY 2017: -5.7×FY 2018: -2.4×FY 2019: -3.0×FY 2020: -3.5×FY 2021: -6.0×FY 2022: -4.0×FY 2023: -2.8×FY 2024: -2.0×FY 2025: -3.2×
FY 2016 5y median -3.2× FY 2025
Interest Coverage 3.8×
FY 2016: 9.0×FY 2017: 13.1×FY 2018: 9.8×FY 2019: 7.5×FY 2020: 14.4×FY 2021: 27.4×FY 2022: 23.6×FY 2023: 6.9×FY 2024: 4.4×FY 2025: 3.8×
FY 2016 5y median 6.9× FY 2025

Dividends

Dividend Yield 0.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.7%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025
Payout Ratio 11.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 7.5%FY 2023: 9.1%FY 2024: 11.1%FY 2025: 11.5%
FY 2016 5y median 9.1% FY 2025

Annual · latest fiscal year ends 2025-12-31