Esquire Financial Holdings, Inc.
Esquire Financial Holdings, Inc. Fundamental Analysis
Esquire Financial Holdings, Inc. (ESQ) shows strong financial fundamentals with a PE ratio of 17.84, profit margin of 29.98%, and ROE of 18.23%. The company generates $0.2B in annual revenue with strong year-over-year growth of 18.97%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 83.3/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze ESQ's fundamental strength across five key dimensions:
Efficiency Score
WeakESQ struggles to generate sufficient returns from assets.
Valuation Score
ExcellentESQ trades at attractive valuation levels.
Growth Score
ExcellentESQ delivers strong and consistent growth momentum.
Financial Health Score
ModerateESQ shows balanced financial health with some risks.
Profitability Score
ExcellentESQ achieves industry-leading margins.
Key Financial Metrics
Is ESQ Expensive or Cheap?
P/E Ratio
ESQ trades at 17.84 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, ESQ's PEG of 1.89 indicates fair valuation.
Price to Book
The market values Esquire Financial Holdings, Inc. at 3.06 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 16.49 times EBITDA. This signals the market has high growth expectations.
How Well Does ESQ Make Money?
Net Profit Margin
For every $100 in sales, Esquire Financial Holdings, Inc. keeps $29.98 as profit after all expenses.
Operating Margin
Core operations generate 40.68 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.23 in profit for every $100 of shareholder equity.
ROA
Esquire Financial Holdings, Inc. generates $2.13 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Esquire Financial Holdings, Inc. generates strong operating cash flow of $66.52M, reflecting robust business health.
Free Cash Flow
Esquire Financial Holdings, Inc. generates strong free cash flow of $57.54M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.66 in free cash annually.
FCF Yield
ESQ converts 5.68% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.84
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.89
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.06
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.60
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.23
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.22
vs 25 benchmark
How ESQ Stacks Against Its Sector Peers
| Metric | ESQ Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.84 | 19.08 | Neutral |
| ROE | 18.23% | 799.00% | Weak |
| Net Margin | 29.98% | -7710.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 2.40 | Strong (Low Leverage) |
| Current Ratio | 0.23 | 560.55 | Weak Liquidity |
| ROA | 2.13% | -23972.00% (disorted) | Weak |
ESQ outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Esquire Financial Holdings, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
162.76%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
242.99%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
226.65%
Industry Style: Value, Dividend, Cyclical
High Growth