Esquire Financial Holdings, Inc. (ESQ) fair value analysis

Fundamentals (4 quarters) how computed

Market cap

$1.44B

P/E (trailing)

20x

Revenue (TTM)

$180M

Net margin

29.3%

EPS (TTM)

$6.02

Gross margin

82.3%

Revenue growth (3-yr avg)

18.9%

Shares outstanding

12.1M

Derived indicators how computed

Quality grade

B →

Margin trend

Expanding

52-week position

The upper-middle quarter of its range

Technicals how computed

RSI (14-day)

43 · neutral

50-day average

$119.85

200-day average

$113.50

Moving-average state

50-day above 200-day (golden cross state); price between the averages

Dividends how computed

Paid, last 12 months

$0.78 per share (4 payments)

Yield on last price

0.65%

Consecutive years of increases

3

Last ex-dividend date

2026-08-14

Last payment date

2026-09-01

Earnings how computed

Next earnings report

2026-10-27 (pre-market)

Last 8 quarters vs consensus

4 beat, 2 missed

Quarter by quarter

2026-06 ▲ beat (+3.2%)
2026-03 ▼ miss (-7.9%)
2025-12 ▲ beat (+1.3%)
2025-09 ▬ met (0.0%)
2025-06 ▬ met (0.0%)
2025-03 ▲ beat (+1.5%)
2024-12 ▼ miss (-0.7%)
2024-09 ▲ beat (+2.3%)

Analyst consensus how computed

This is not TickrTrends' verdict.

Analyst ratings

2 buy · 1 hold · 0 sell (3 analysts)

Consensus lean

Buy-leaning

Consensus price target

$135

Target vs last price

+13.6%

Recent ESQ news

TickrTrends' derived news-sentiment signal for ESQ is currently leaning positive, computed from recent coverage.

• Esquire Financial Holdings, Inc. (ESQ) Reports Next Week: Wall Street Expects Earnings Growth (zacks.com, 2026-10-20)
  TickrTrends take: Esquire Financial Holdings operates in the Financial Services sector where earnings growth trajectories significantly influence valuation multiples. With TickrTrends currently assessing ESQ as overvalued, the upcoming earnings report will be critical for determining whether the company's growth justifies its present valuation or whether current pricing already reflects optimistic expectations. Valuation-focused investors should monitor whether actual earnings growth meets, exceeds, or falls short of Wall Street consensus, as this discrepancy could either support or challenge the overvalued assessment.
• What iShares Russell 2000 Index Fund (IWM) Bought: WesBanco Leads on Sept. 30 (gurufocus.com, 2026-10-02)
  TickrTrends take: ESQ operates in the Financial Services sector where valuation multiples have been subject to significant market rotation, particularly as index funds like IWM adjust their holdings in response to changing market conditions. TickrTrends' current assessment that ESQ is overvalued suggests investors should monitor whether the company's fundamentals justify its current price relative to peers in the sector, especially as passive fund inflows and rebalancing activities influence valuations across financial services stocks. A valuation-focused reader should track whether ESQ maintains its premium valuation or faces compression as market conditions and fund positioning evolve.

What people are saying

Follow the ESQ conversation: Stocktwits · Reddit · X

TickrTrends weekly updates

• 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-05 — # ESQ Weekly Indicator Summary TickrTrends' derived indicators for ESQ show a shift in trend momentum this week. The 50/200-day trend state has moved from an uptrend to a mixed state, suggesting a loss of consistent directional strength in the Financial Services sector position. The current valuation verdict remains overvalued.
• 2026-09-28 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is ESQ stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), ESQ is trading at a 10–25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.

What is ESQ's TickrTrends verdict?

ESQ's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.

How does ESQ compare to other Financial Services stocks?

ESQ ranks #128 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.

Is ESQ overbought or oversold?

ESQ's 14-day RSI is in neutral territory - neither overbought nor oversold.

Does ESQ pay a dividend?

Yes. ESQ paid $0.78 per share over the last twelve months (4 payments), a 0.65% yield on TickrTrends' last price, and has raised the annual total for 3 consecutive years. The last ex-dividend date was 2026-08-14.

When does ESQ report earnings next?

ESQ's next earnings report is scheduled for 2026-10-27 (pre-market), per the published earnings calendar.

Does ESQ usually beat earnings estimates?

Over its last 8 reported quarters ESQ beat the consensus estimate 4 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.

What do analysts say about ESQ?

Of 3 analysts covering ESQ, 2 rate it a buy, 1 a hold and 0 a sell - buy-leaning, with a consensus price target of $135 (+13.6% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.

More in Financial Services

• FBNC — First Bancorp
• FCBC — First Community Bankshares, Inc.
• FCFS — FirstCash Holdings, Inc.
• FCNCA — First Citizens BancShares, Inc.
• FDS — FactSet Research Systems Inc.
• FFBC — First Financial Bancorp.
• FFIN — First Financial Bankshares, Inc.

All Financial Services fair-value coverage →

Head-to-head comparisons

ESQ vs AFL · ESQ vs CATY · ESQ vs CCNE · ESQ vs CHCO · ESQ vs FMBH