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Upturn AI SWOT - About
ESQ 
Esquire Financial Holdings Inc (ESQ)
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Upturn Advisory Summary
10/14/2025: ESQ (3-star) is a STRONG-BUY. BUY since 19 days. Simulated Profits (-0.30%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $114
1 Year Target Price $114
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 79.56% | Avg. Invested days 63 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 857.78M USD | Price to earnings Ratio 18.64 | 1Y Target Price 114 |
Price to earnings Ratio 18.64 | 1Y Target Price 114 | ||
Volume (30-day avg) 3 | Beta 0.53 | 52 Weeks Range 62.12 - 107.25 | Updated Date 10/14/2025 |
52 Weeks Range 62.12 - 107.25 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 0.65% | Basic EPS (TTM) 5.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.59% | Operating Margin (TTM) 48.09% |
Management Effectiveness
Return on Assets (TTM) 2.46% | Return on Equity (TTM) 19.3% |
Valuation
Trailing PE 18.64 | Forward PE - | Enterprise Value 652683648 | Price to Sales(TTM) 6.76 |
Enterprise Value 652683648 | Price to Sales(TTM) 6.76 | ||
Enterprise Value to Revenue 6.38 | Enterprise Value to EBITDA - | Shares Outstanding 8538558 | Shares Floating 6723587 |
Shares Outstanding 8538558 | Shares Floating 6723587 | ||
Percent Insiders 16.66 | Percent Institutions 69.57 |
Upturn AI SWOT
Esquire Financial Holdings Inc
Company Overview
History and Background
Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York. It operates as the holding company for Esquire Bank, National Association. The bank has focused on serving the litigation industry.
Core Business Areas
- Commercial Banking: Provides commercial banking services, including lending and deposit products.
- Litigation Financing: Offers financing solutions tailored to attorneys and law firms.
Leadership and Structure
The leadership team includes key executives in banking and finance. The organizational structure is typical of a bank holding company, with various departments for lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans tailored for businesses. Market share data is difficult to pinpoint precisely, but Esquire Bank competes with other regional and national banks. Competitors include regional banks and national banks with commercial lending services.
- Litigation Financing: Financing solutions designed for attorneys and law firms, including case expense financing and working capital loans. Market share is specialized and data is not widely available, but it's a niche segment with less competition than general commercial lending. Competitors include specialized litigation finance companies.
- Deposit Products: A variety of checking, savings, and money market accounts designed for businesses and consumers.
Market Dynamics
Industry Overview
The banking industry is competitive and regulated, with evolving technology and changing customer preferences. Demand for loans fluctuates with economic cycles. Litigation financing is a growing niche sector.
Positioning
Esquire Financial Holdings occupies a niche position by focusing on the legal sector. Their specialization could give them a competitive advantage in this area, but also makes them more sensitive to the trends in litigation finance.
Total Addressable Market (TAM)
The TAM for commercial banking is vast (trillions of dollars). Litigation finance TAM is smaller but growing, estimated in billions. Esquire Financial is positioned to capitalize on its niche but competes with larger players in the overall financial market.
Upturn SWOT Analysis
Strengths
- Niche focus on the legal industry
- Specialized lending expertise
- Strong client relationships within legal community
Weaknesses
- Concentration risk due to industry focus
- Smaller size compared to larger banks
- Limited geographic diversification
Opportunities
- Expansion of litigation financing services
- Growth in the legal industry
- Adoption of new technologies
Threats
- Economic downturn impacting legal activity
- Increased competition from larger banks
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
Competitive Landscape
Esquire Financial Holdings benefits from its niche focus. However, its smaller size and limited geographic reach put it at a disadvantage compared to larger national banks. Its main competitive advantage is its expertise in the legal industry.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analysis of past financial performance, lending activity, and market share over several years.
Future Projections: Future projections depend on analyst estimates, which require access to financial analysis tools and resources.
Recent Initiatives: Information on recent strategic initiatives can be found in company press releases, investor presentations, and SEC filings.
Summary
Esquire Financial Holdings is a niche bank focused on the legal industry. Its specialization offers advantages but also introduces concentration risk. The bank's smaller size poses a challenge against larger competitors. Economic conditions and regulatory changes may impact its performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- MarketWatch
Disclaimers:
This analysis is based on publicly available information and general knowledge of the industry. Financial data and market share information are estimates and may not be precise. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Esquire Financial Holdings Inc
Exchange NASDAQ | Headquaters Jericho, NY, United States | ||
IPO Launch date 2017-06-27 | Vice Chairman, CEO & President Mr. Andrew C. Sagliocca | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 138 | Website https://www.esquirebank.com |
Full time employees 138 | Website https://www.esquirebank.com | ||
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it offers cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it provides payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
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