# Esquire Financial Holdings Inc. (ESQ) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $123.61, market value $1.5 billion.

## Valuation
- **P/E (trailing): 20.5×** (5-yr avg 13.6×, 3-yr avg 14.2×). Esquire Financial Holdings Inc. trades at 20.5× trailing earnings, well above its own five-year average of 13.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.96**. A PEG of 0.96 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 4.4%** (5-yr avg 9.3%). Free cash flow equals 4.4% of the market value, below its five-year average of 9.3%, so the shares are pricier on cash than usual.
- **Earnings yield: 4.9%**. The inverse of the P/E: 4.9% of the price is earned each year.

## Profitability
- **Return on equity: 17.5%**. 17.5% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 14.2%** (3-yr 19.2%/yr, 5-yr 28.9%/yr). Earnings per share rose 14.2%.
- **Free-cash-flow growth (3 yr): 13.5%/yr**. Free cash flow has compounded at 13.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 0.65%** ($0.78 per share, trailing). Esquire Financial Holdings Inc. yields 0.65%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 12%** (10% of free cash flow). 12% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Esquire Financial Holdings Inc.; the consensus is buy, with an average price target of $142.67 (+15% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 33.3%** (YTD 22.3%, 3-mo -3.7%). The shares are up 33.3% over twelve months including dividends.
- **From 52-week high: -8.3%** (33.0% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.55** (volatility 32%). Beta of 0.55 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ESQ · Page: https://foliofundamentals.com/stocks/esq

Not investment advice.