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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Banco Latinoamericano de Comercio Exterior SA

Esquire Financial Holdings, Inc.

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Farmers National Banc Corp.

Hope Bancorp, Inc.

The First Bancshares, Inc. (Mississippi)

American National Bankshares, Inc. (Virginia)

Why is Esquire Financial Holdings, Inc. ?

High Profitability with a Net Interest Margin of 22.09%

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 31.23%

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

The company has declared positive results for the last 14 consecutive quarters
NII(Q) Highest at USD 33.28 MM
OPERATING CASH FLOW(Y) Highest at USD 43.05 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 11.29%

High Institutional Holdings at 72.49%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating performance in long term as well as near term

Along with generating 46.49% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Esquire Financial Holdings, Inc.

49.88%

4.08

30.90%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

27.85%

EBIT Growth (5y)

22.80%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

11.93%

Pledged Shares

Institutional Holding

72.49%

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

3.31

EV to EBIT

11.76

EV to EBITDA

10.94

EV to Capital Employed

14.21

EV to Sales

5.15

PEG Ratio

2.10

Dividend Yield

62.13%

ROCE (Latest)

120.77%

ROE (Latest)

16.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

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

NII(Q)

Highest at USD 33.28 MM

OPERATING CASH FLOW(Y)

Highest at USD 43.05 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 11.29%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 38.24 MM

GROSS NPA (%)

CASH AND EQV(HY)

Highest at USD 476.65 MM

-2What is not working for the Company

INTEREST(9M)

At USD 14.03 MM has Grown at 37.11%

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

NII

Highest at USD 33.28 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 38.24 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Non Performing Loans (%)

Lowest at 0.49%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

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)

Operating Cash Flow

Highest at USD 43.05 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 11.29% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Cash and Eqv

Highest at USD 476.65 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

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

Interest

At USD 14.03 MM has Grown at 37.11%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Capital Adequacy Ratio

Lowest at 14.18%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)