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High Profitability with a Net Interest Margin of 22.75%
The Bank has a high Capital Adequacy Ratio of 14.91% signifying high buffers against its risk based assets
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 29.34%
The company has declared Positive results for the last 14 consecutive quarters
With ROA of 1.82%, it has a fair valuation with a 3.05 Price to Book Value
Total Returns (Price + Dividend) 
Esquire Financial Holdings, Inc. for the last several years.
Risk Adjusted Returns v/s 
News
Is Esquire Financial Holdings, Inc. overvalued or undervalued?
As of 17 October 2025, the valuation grade for Esquire Financial Holdings, Inc. 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 relatively high compared to its peers. For instance, Nicolet Bankshares, Inc. has a P/E of 15.08, while Hope Bancorp, Inc. boasts a much higher P/E of 25.82, suggesting that Esquire is priced at a premium in its sector. The company's recent performance has been impressive, with a year-to-date return of 25.64%, significantly outperforming the S&P 500's 13.30%. However, given the current valuation metrics, Esquire Financial Holdings appears overvalued in comparison to its peers and the broader market....
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Esquire Financial Holdings, Inc. Experiences Revision in Its Stock Evaluation Metrics
Esquire Financial Holdings, Inc. has recently adjusted its valuation, showcasing a P/E ratio of 17 and a price-to-book value of 3.05. The company features a strong dividend yield of 51.03% and notable returns on capital employed and equity, reflecting its competitive position within the banking sector.
Read MoreIs Esquire Financial Holdings, Inc. overvalued or undervalued?
As of 17 October 2025, the valuation grade for Esquire Financial Holdings, Inc. has moved from fair to expensive, indicating a shift towards overvaluation. The company appears overvalued based on its current metrics, with a P/E ratio of 17, a Price to Book Value of 3.05, and an EV to EBITDA of 9.79. In comparison to peers, Nicolet Bankshares, Inc. has a P/E ratio of 15.08, while Hope Bancorp, Inc. stands at 25.82, highlighting that Esquire's valuation is relatively high within its industry. Despite the high valuation, Esquire has demonstrated strong performance with a year-to-date return of 25.64%, significantly outperforming the S&P 500's return of 13.30% over the same period. However, the overall valuation metrics suggest that the stock may not be a compelling investment at its current price of 99.88....
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Shareholding Snapshot : Mar 2025
Shareholding Compare (%holding) 
Domestic Funds
Held in 42 Schemes (22.19%)
Held by 45 Foreign Institutions (12.5%)






