Esquire Financial Holdings, Inc. (ESQ) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Financial Corp. (Indiana)

Banco Latinoamericano de Comercio Exterior SA

Amerant Bancorp, Inc.

Esquire Financial Holdings, Inc.

Nicolet Bankshares, Inc.

QCR Holdings, Inc.

The First Bancshares, Inc. (Mississippi)

Hope Bancorp, Inc.

Farmers National Banc Corp.

Old Second Bancorp, Inc.

American National Bankshares, Inc. (Virginia)

Why is Esquire Financial Holdings, Inc. ?

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

OPERATING CASH FLOW(Y) Highest at USD 48.51 MM
NII(Q) Highest at USD 29.25 MM
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 1.82%, it has a fair valuation with a 3.05 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 33.90%, its profits have risen by 15.7% ; the PEG ratio of the company is 1.1

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Esquire Financial Holdings, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Esquire Financial Holdings, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Esquire Financial Holdings, Inc.

33.56%

4.10

29.83%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

26.95%

EBIT Growth (5y)

23.78%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

11.66%

Pledged Shares

Institutional Holding

71.51%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.05

EV to EBIT

10.06

EV to EBITDA

9.79

EV to Capital Employed

7.80

EV to Sales

4.95

PEG Ratio

1.11

Dividend Yield

51.03%

ROCE (Latest)

77.55%

ROE (Latest)

17.95%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 48.51 MM

NII(Q)

Highest at USD 29.25 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 33.54 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 12.72%

CASH AND EQV(HY)

Highest at USD 336.01 MM

NET PROFIT(Q)

Highest at USD 11.89 MM

EPS(Q)

Highest at USD 1.38

-3What is not working for the Company

INTEREST(9M)

At USD 12.08 MM has Grown at 31.78%

OPERATING PROFIT MARGIN(Q)

Lowest at 45.46 %

Here's what is working for Esquire Financial Holdings, Inc.

NII

Highest at USD 29.25 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 48.51 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 33.54 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Profit

Highest at USD 11.89 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.38

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 336.01 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend Payout Ratio

Highest at 12.72%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Esquire Financial Holdings, Inc.

Interest

At USD 12.08 MM has Grown at 31.78%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Profit Margin

Lowest at 45.46 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales