Esquire Financial Holdings, Inc.
ESQFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeOperating under the Banks - Regional umbrella, Esquire Financial Holdings, Inc. is a financial services company. Esquire Financial Holdings, Inc. The $949.4M market capitalization puts ESQ squarely in small-cap range for its industry. 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.
Market Cap
$949.4M
Beta
0.39
P/E (TTM)
18.50
P/E (Fwd)
12.70
EPS (TTM)
$5.95
EPS (Fwd)
$8.65
ROE
18.7%
ROA
2.4%
Cash
$222.2M
Total Debt
$2.4M
Free CF
—
52W Change
24.5%
Annual Financials
Cash vs Debt
Esquire Financial Holdings, Inc. holds $222.2M in cash against $2.4M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 18.7%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.4% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $84.3M (2022) to $146.6M (2025), reflecting a 74% increase over the period.
With a beta below 0.7, Esquire Financial Holdings, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing ESQ.