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Esquire Financial Holdings Inc (ESQ)



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Upturn Advisory Summary
08/14/2025: ESQ (3-star) is a SELL. SELL since 5 days. Profits (13.25%). Updated daily EoD!
1 Year Target Price $110
1 Year Target Price $110
0 | Strong Buy |
1 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 80.13% | Avg. Invested days 72 | Today’s Advisory SELL |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 832.42M USD | Price to earnings Ratio 18.09 | 1Y Target Price 110 |
Price to earnings Ratio 18.09 | 1Y Target Price 110 | ||
Volume (30-day avg) 3 | Beta 0.57 | 52 Weeks Range 56.34 - 105.92 | Updated Date 08/15/2025 |
52 Weeks Range 56.34 - 105.92 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.66% | Basic EPS (TTM) 5.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 1.38 | Actual 1.38 |
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 18.09 | Forward PE - | Enterprise Value 628659840 | Price to Sales(TTM) 6.56 |
Enterprise Value 628659840 | Price to Sales(TTM) 6.56 | ||
Enterprise Value to Revenue 6.19 | Enterprise Value to EBITDA - | Shares Outstanding 8538560 | Shares Floating 6704659 |
Shares Outstanding 8538560 | Shares Floating 6704659 | ||
Percent Insiders 16.43 | Percent Institutions 70.97 |
Upturn AI SWOT
Esquire Financial Holdings Inc

Company Overview
History and Background
Esquire Financial Holdings, Inc. was founded to serve the financial needs of the legal profession. They specialize in providing banking and financial solutions to law firms and attorneys. Over time, it has grown its presence in the legal financial services market.
Core Business Areas
- Commercial Banking: Provides commercial banking services to law firms, including lending, deposit accounts, and cash management solutions.
- Specialty Lending: Offers tailored lending products and services catering to the specific needs of attorneys and law firms.
- Payment Processing: Facilitates payment processing solutions for legal professionals, optimizing financial transactions.
Leadership and Structure
The company is led by a board of directors and an executive management team responsible for strategic decision-making and operational oversight.
Top Products and Market Share
Key Offerings
- Law Firm Lending: Provides loans for various law firm needs, such as working capital, acquisitions, and partner buyouts. Market share data is difficult to ascertain precisely but is estimated to be in the single-digit percentages within the legal-specific lending market. Competitors: Traditional banks, specialty lenders.
- Deposit Accounts: Offers deposit accounts tailored to the needs of legal professionals, including checking, savings, and escrow accounts. Market share is small due to competition from large national banks. Competitors: Bank of America, JP Morgan Chase.
- Cash Management Solutions: Offers cash management and online services for managing cash flow. Market share is small due to competition from large national banks and fintech solutions. Competitors: Treasury Prime, Trovata.
Market Dynamics
Industry Overview
The legal financial services industry involves providing banking, lending, and payment solutions tailored to law firms and attorneys. It's driven by the specific financial needs of legal practices, including managing client funds, securing financing, and optimizing cash flow.
Positioning
Esquire Financial Holdings Inc. focuses on serving the financial needs of the legal industry. Its competitive advantage lies in its deep industry knowledge and specialized service offerings.
Total Addressable Market (TAM)
The TAM for legal financial services is substantial, encompassing the collective financial needs of law firms and attorneys nationwide. Esquire Financial Holdings is positioned to capture a portion of this TAM by specializing in tailored solutions.
Upturn SWOT Analysis
Strengths
- Specialized Expertise in Legal Financial Services
- Strong Customer Relationships within the Legal Industry
- Tailored Product Offerings
- Experienced Management Team
Weaknesses
- Smaller Size Compared to Larger Banks
- Geographic Concentration
- Reliance on Legal Industry
- Limited Brand Recognition
Opportunities
- Expansion into New Geographic Markets
- Development of New Products and Services
- Increased Adoption of Technology
- Strategic Partnerships
Threats
- Increased Competition from Larger Banks and Fintech Companies
- Economic Downturn Affecting Law Firm Profitability
- Changes in Legal Regulations
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
Competitive Landscape
Esquire Financial Holdings Inc. faces intense competition from larger banks with greater resources and brand recognition. Its advantage lies in its specialized expertise, but it must innovate to maintain its position.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires specific historical financial data from a live financial data source.
Future Projections: Future projections require specific analyst estimate data which cannot be provided without accessing a live financial data source.
Recent Initiatives: Recent strategic initiatives are unavailable without real-time news data.
Summary
Esquire Financial Holdings is a niche player focusing on the legal financial services market. Its expertise in this sector is a strength, but it faces challenges from larger, more diversified competitors. The company must pursue strategic growth initiatives and navigate regulatory changes to maintain its competitive advantage and improve brand name.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Publicly Available News Sources
Disclaimers:
The data and analysis provided are based on publicly available information and are for informational purposes only. They should not be construed as financial advice. Market share data is based on estimates and may not be precise. This is a simplified analysis and does not constitute investment 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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