# Esquire Financial Holdings Inc. (ESQ) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $118.96, market value $1.4 billion.

## Valuation
- **P/E (trailing): 19.6×** (5-yr avg 13.6×, 3-yr avg 14.2×). Esquire Financial Holdings Inc. trades at 19.6× 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 13.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.97**. A PEG of 0.97 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 3.1×**. The shares trade at 3.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 4.6%** (5-yr avg 9.3%). Free cash flow equals 4.6% of the market value, below its five-year average of 9.3%, so the shares are pricier on cash than usual.
- **Earnings yield: 5.1%**. The inverse of the P/E: 5.1% 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: 0.67%** ($0.75 per share, trailing). Esquire Financial Holdings Inc. yields 0.67%, 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.

## Price and momentum
- **Total return (1 yr): 23.5%** (YTD 17.0%, 3-mo 10.1%). The shares are up 23.5% over twelve months including dividends.
- **From 52-week high: -11.8%** (29.2% above the low). Trading 12% 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): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.62** (volatility 33%). Beta of 0.62 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.