Esquire Financial Holdings, Inc. (ESQ) Stock Score, Valuation & Financial Research
Esquire Financial Holdings, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 65/100.
Quick answer for ESQ
Esquire Financial Holdings, Inc. currently has a Wall Street Score of 65/100. The stored market price is $121.12. Its financial score is 65/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Esquire Financial Holdings, Inc. does
Esquire Financial Holdings, Inc. functions as the parent entity for Esquire Bank, National Association, delivering a diverse array of commercial banking and financial services across the United States. Its clientele includes the legal sector, small businesses, and both corporate and individual clients. The company's deposit offerings encompass checking, savings, money market, and time deposits, alongside certificates of deposit. Its lending portfolio is extensive, providing commercial loans tailored for operational liquidity, such as short-term funding for inventory, accounts receivable, or supplies, in addition to financing for approved merchant clientele. It also extends commercial lines of credit. Consumer loan options are available for various needs, including post-settlement and structured settlement financing for plaintiffs and claimants, as well as personal loans to individuals fo
ESQ financial snapshot
- Wall Street Score:
- 65/100
- Current price:
- $121.12
- Market capitalization:
- $1.05B
- Revenue:
- $179.9M
- Net income:
- $52.7M
- Free cash flow:
- $56.7M
- Cash:
- $242.2M
- Total debt:
- $2.6M
- EPS:
- 6.34
- P/E ratio:
- 19.1x
- Financial score:
- 65/100
- Valuation score:
- 93/100
- Revenue score:
- 41/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $56.7M, showing positive cash generation.
- The balance sheet shows $242.2M of cash versus $2.6M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 65/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-07.
How to research ESQ
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.