ESQ

Esquire Financial Holdings, Inc.

Financial Services · $1.0B market cap

Verdict

Share price

$119.92

close of Oct 3, 2026

Fair value

$116.37

Sticker Price

Payback Price

$46.55

buy price

Fairly Valued

ESQ is Fairly Valued: at $119.92 it's within 3% of its fair value of $116.37. Its buy price (Payback Price) is $46.55, 61% below today's price. Business quality is strong: all 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

5 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth29.7% a year✓
Equity per share growth14.9% a year✓
Sales growth27.0% a year✓
Free cash flow growth29.7% a year✓
Return on invested capital16.0%✓

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Superinvestors

None of the investors we track holds ESQ right now. In Q2 2026, 1 sold out. Who we track

Moves in Q2 2026

Sold out: Polen Capital Management

Insider activity

Since Jul 30, 2026: no open-market purchases, 1 sale worth $389K and 30 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

Powers Richard T

director · 2026-08-25

G-Gift

51,380 shares

Coelho Anthony

director · 2026-08-07

Tax withholding

$250K

Coelho Anthony

director · 2026-08-07

Option exercise

$250K

CARONIA LEONARD

director · 2026-08-04

Tax withholding

$44K

CARONIA LEONARD

director · 2026-08-04

Option exercise

$44K

Show all 30 other filings

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$95K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$115K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$131K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$207K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$150K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$70K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$86K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$98K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$123K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$108K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

$117K

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

18,630 shares

O'ROURKE MICHAEL G

President of Chicago Bank Div · 2026-08-01

Award

66,726 shares

CARONIA LEONARD

director · 2026-08-01

Award

$28K

CARONIA LEONARD

director · 2026-08-01

Award

$34K

CARONIA LEONARD

director · 2026-08-01

Award

$49K

CARONIA LEONARD

director · 2026-08-01

Award

$59K

CARONIA LEONARD

director · 2026-08-01

Award

$106K

CARONIA LEONARD

director · 2026-08-01

Award

$77K

CARONIA LEONARD

director · 2026-08-01

Award

$67K

CARONIA LEONARD

director · 2026-08-01

Award

$37K

CARONIA LEONARD

director · 2026-08-01

Award

$46K

CARONIA LEONARD

director · 2026-08-01

Award

$39K

CARONIA LEONARD

director · 2026-08-01

Award

$44K

CARONIA LEONARD

director · 2026-08-01

Award

98,864 shares

About Esquire Financial Holdings, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works