# Esquire Financial Holdings share price today (Esquire Financial Holdings, Inc., ESQ)

> Esquire Financial Holdings, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. ESQ · Financials · Banks - Regional · data as of 5 November 2026. Page: https://www.sectoralpha.in/us/stocks/esq

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## Key numbers

- Business trend: Growing steadily, from the last 12 quarters
- Price: $126.91 (+30.8% in a year)
- P/BV: 1.9× (lower than 100% of the last 1 year)
- Revenue (Jun 2026): $39.2 M (+21.4% on a year ago)
- Profit (Jun 2026): $13.0 M (+9.2% on a year ago)
- Net margin: 33.1% (−3.7 points on a year ago)
- ROE: 11%, FY25
- ROA: 1.61%, latest

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the Esquire Financial Holdings share price today? Esquire Financial Holdings, Inc.'s share price was $126.91 at the close on 5 November 2026. That is 10.6% above its average price over the last 200 trading days. In the last 52 weeks it traded between $97 and $131, and at that close it sat 87% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 1 year the share price moved +31% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Esquire Financial Holdings pay? Esquire Financial Holdings, Inc. paid $0.75 per share over the last four reported quarters. The most recent declaration was $0.20 for Jun 2026. At today's price of $126.91 that is a yield of 0.59%, based on dividends already paid, not a forecast. ## Which stock lists is Esquire Financial Holdings on? Esquire Financial Holdings is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Esquire Financial Holdings profitable? Esquire Financial Holdings, Inc. earned $13.0 M of net profit in the Jun 2026 quarter, +9.2% on the same quarter a year earlier. That is the 9th quarter in a row of profit growth. Full-year FY25 profit was $50.8 M. Over 4 years profit has grown 29.8% a year on average. That is 33.1% of the quarter's revenue. The same quarter a year earlier earned $11.9 M. For the full year, FY25 profit was $50.8 M (+16.4% on the year before). Why profit moved: revenue changed +21.4% on a year earlier and the margin moved −3.7 percentage points. Sales did the work while the margin got thinner. On average over the last four quarters, profit changed +13.6% and revenue +17.7%. Profit is growing slower than sales: rising costs are taking part of the growth. ## How much revenue does Esquire Financial Holdings make, and is it growing? Esquire Financial Holdings, Inc. reported $39.2 M of income in the Jun 2026 quarter, +21.4% on the same quarter a year earlier. That is the 9th quarter in a row with growth on the year before. Over 4 years it has grown 24.1% a year on average. The last full year, FY25, came in at $137 M. The last four reported quarters add to $149 M. FY25 revenue was $137 M, +14.0% on the year before. Recent pace: the last four quarters grew +17.7% on average, against 24.1% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +17.7%, against +15.3% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +13.6%, against +14.4% a year (stabilising). ## How much does Esquire Financial Holdings keep from what it earns? Esquire Financial Holdings, Inc.'s net margin was 33.1% in the Jun 2026 quarter, 3.7 percentage points lower than the same quarter a year ago. Across 5 years it has been between 31.0% and 37.6%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Esquire Financial Holdings' loans have gone bad? Esquire Financial Holdings, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Esquire Financial Holdings' loan book growing? Esquire Financial Holdings, Inc.'s revenue was $137 M in FY25, +14.0% on the year before, so the loan book is growing. The latest quarter was +21.4% on a year earlier. The net margin on that income is 33.1%, −3.7 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Esquire Financial Holdings' P/BV ratio, and how does it compare with its own history? Esquire Financial Holdings, Inc.'s P/BV is 1.9×, about the lowest it has ever been. Its usual P/BV (the middle reading) is 3.0×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 11% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +30.8%. Price and book value moved together, so the multiple stayed in its range. In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple. ## Is the Esquire Financial Holdings business getting better or worse? Esquire Financial Holdings, Inc.'s business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 16.8%. This is based on 12 quarters of 4 measures. Why it matters: steady growth with healthy returns is how a business compounds over time. ## How much does Esquire Financial Holdings earn on its equity and assets? Esquire Financial Holdings, Inc. earned a return on equity of 18% in FY25. Its lowest yearly reading on file was 13% in FY21. On its assets, every $100 earned about $1.61, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 29.8% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Esquire Financial Holdings have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Esquire Financial Holdings shareholding pattern? 12.3% of Esquire Financial Holdings, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 7.0 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Esquire Financial Holdings from balance-sheet trouble? For Esquire Financial Holdings, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Esquire Financial Holdings rank in its industry? There is no score against its industry: Esquire Financial Holdings, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Esquire Financial Holdings compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Esquire Financial Holdings in size? Esquire Financial Holdings is the 132nd largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Pathward Financial, Inc., Live Oak Bancshares, Inc. and Lakeland Financial Corporation. Just below it: Triumph Financial, Inc., Amalgamated Financial Corp. and Tompkins Financial Corporation. ### Banks - Regional companies close in size

1. [Pathward Financial, Inc.](https://www.sectoralpha.in/us/stocks/cash) $1.6 billion
2. [Live Oak Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/lob) $1.6 billion
3. [Lakeland Financial Corporation](https://www.sectoralpha.in/us/stocks/lkfn) $1.5 billion
4. Esquire Financial Holdings, Inc. $1.5 billion
5. [Triumph Financial, Inc.](https://www.sectoralpha.in/us/stocks/tfin) $1.5 billion
6. [Amalgamated Financial Corp.](https://www.sectoralpha.in/us/stocks/amal) $1.5 billion
7. [Tompkins Financial Corporation](https://www.sectoralpha.in/us/stocks/tmp) $1.4 billion

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Immunocore Holdings plc](https://www.sectoralpha.in/us/stocks/imcr) $1.5 billion · Biotechnology
2. [EverCommerce Inc.](https://www.sectoralpha.in/us/stocks/evcm) $1.5 billion · Software - Application
3. Esquire Financial Holdings, Inc. $1.5 billion
4. [Lightspeed Commerce Inc.](https://www.sectoralpha.in/us/stocks/lspd) $1.5 billion · Software - Application
5. [Arcos Dorados Holdings Inc.](https://www.sectoralpha.in/us/stocks/arco) $1.5 billion · Restaurants

## What else do people ask about Esquire Financial Holdings? ### What were Esquire Financial Holdings's latest quarterly results? Esquire Financial Holdings, Inc. reported total income of $39.2 M and net profit of $13.0 M for the Jun 2026 quarter. Income rose 21.4% and profit rose 9.2% compared with a year earlier. Earnings per share were $1.49 (as of 5 November 2026). ### What is Esquire Financial Holdings's market cap? Esquire Financial Holdings, Inc.'s market capitalisation is $1.5 B at a stock price of $126.91. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 5 November 2026). ### How is Esquire Financial Holdings performing? Esquire Financial Holdings, Inc.'s latest readings are below. In its latest quarter, income rose 21.4% and profit rose 9.2% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running. This describes what the data did, not a rating (as of 5 November 2026). ### Will Esquire Financial Holdings's stock price go up? This page does not forecast Esquire Financial Holdings, Inc.'s stock price. What it shows instead: the stock price is $126.91. Its P/BV of 1.9× is higher than 0% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 5 November 2026). ### Where is Esquire Financial Holdings in its business cycle? Esquire Financial Holdings, Inc.'s FY25 net margin was 37.1%, against a 5-year range of 31.0% to 37.6%: the middle of its own range, neither a peak nor a low. The latest quarter was 33.1%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 5 November 2026). ### What could break the Esquire Financial Holdings story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 5 November 2026). ### Is Esquire Financial Holdings a stock worth studying right now? What the numbers show: Esquire Financial Holdings, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 5 November 2026). This is research, not advice. We’re not SEBI-registered.