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

Esquire Financial Holdings, Inc.

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American National Bankshares, Inc. (Virginia)

Why is Esquire Financial Holdings, Inc. ?

Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 14.91%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 32.13%
A low ratio signifies bank has stronger due diligence systems when giving out loans

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 18 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 63.54 MM
NII(Q) Highest at USD 34 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 14.25%

High Institutional Holdings at 73.11%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.62% over the previous quarter.

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.

26.89%

4.46

32.18%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

29.26%

EBIT Growth (5y)

23.53%

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

73.11%

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

3.19

EV to EBIT

10.76

EV to EBITDA

10.44

EV to Capital Employed

13.31

EV to Sales

4.92

PEG Ratio

1.39

Dividend Yield

64.38%

ROCE (Latest)

123.60%

ROE (Latest)

17.55%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

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

20What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 63.54 MM

NII(Q)

Highest at USD 34 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 14.25%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 39.03 MM

GROSS NPA (%)

CASH AND EQV(HY)

Highest at USD 458.11 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 86.33%

OPERATING PROFIT(Q)

Highest at USD 18.37 MM

PRE-TAX PROFIT(Q)

Highest at USD 18.37 MM

-2What is not working for the Company

INTEREST(9M)

At USD 14.78 MM has Grown at 33.44%

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

NII

Highest at USD 34 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 63.54 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 39.03 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 0.04%

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)

Dividend Payout Ratio

Highest at 14.25% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Operating Profit

Highest at USD 18.37 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 18.37 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Cash and Eqv

Highest at USD 458.11 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 86.33%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

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

Interest

At USD 14.78 MM has Grown at 33.44%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)