Is Esquire Financial Holdings, Inc. overvalued or undervalued?

As of 10 October 2025, the valuation grade for Esquire Financial Holdings, Inc. has moved from fair to expensive, indicating that the stock is overvalued. The company exhibits a P/E ratio of 17, a Price to Book Value of 3.05, and an EV to EBITDA of 9.79, which are all relatively high compared to its peers. For instance, Nicolet Bankshares, Inc. has a P/E of 15.08, while Hope Bancorp, Inc. stands at a P/E of 25.82, suggesting that Esquire is positioned at a premium within its industry.
In terms of performance, Esquire has outperformed the S&P 500 over various periods, including a 61.88% return over the past year compared to the S&P 500's 13.36%. This strong performance may reflect investor sentiment, but the current valuation metrics suggest that the stock is not a compelling buy at these levels.