Esquire Financial Holdings Inc. Common Stock (ESQ)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a bank that earns consistently, lends prudently, and sells at a sensible price. Esquire Financial Holdings is a $1.5 billion market-cap bank holding company serving legal and small-business clients, a niche that can create loyal relationships. Filed results show net income of $12.2 million in fiscal Q1 2026 (quarter ended March 31, 2026), $13.0 million in fiscal Q2 2026 (quarter ended June 30, 2026), and $14.1 million in fiscal Q3 2025 (quarter ended September 30, 2025). For fiscal years ended December 31, net income was $41.0 million in 2023, $43.7 million in 2024, and $50.8 million in 2025; diluted EPS was $4.91, $5.14, and $5.87. That is steady progress. FairStock calls it a STALWART, with profit growth of 32.1% a year over five years, and its calculated ROE is 18.26%, a respectable sign of profitability. But a bank's true safety lies in capital and credit, and the data do not give me CET1, net interest margin, reserves, charge-off figures, or a combined ratio. At the 2026-10-13 close of $120.18, FairStock shows a P/E of 19.83, P/B of 3.17, PEG of 1.36, and dividend yield of 0.67%. Piotroski is 5/9 and the FairStock Score is 58/100—decent, not outstanding. Paying more than three times book for a regional bank demands either superior returns or a margin of safety. Esquire has a good record, but the price already recognizes much of it. I would want more bank-specific data before calling it a bargain.

In plain English: Esquire Financial Holdings is a small bank holding company that serves lawyers and small businesses with checking, savings, loans and other banking services. The business looks solid: profits have risen steadily, and it earns a good return on shareholders' money. The stock, however, looks fairly full-priced rather than cheap compared with the company's accounting value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer