ESQ · Esquire Financial Holdings, Inc.
$112.66
-0.20 (-0.18%)
At close · Aug 26
Market Cap
$1.37B
Shares
12.10M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$112.66
Open$113.45
Day$112.25–113.82
52W close$92.91–132.92
Avg vol 30d149K
Short int940K · 7.8% float · 7.7d
Short vol57%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−7%
below
RSI (14)
33
neutral
MACD trend
Negative
52-week position
49%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−15%
trailing
6-month return
+11%
trailing
YTD return
+10%
this year
Relative strength
−2%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $122 › 200d $111 — 50d above 200d
Institutional flow
Distributing
-1% holders QoQ · +22 funds added
Insider flow
Distributing
Net -$388.8K over 90 days · 100% sells
Short interest
Rising
7.76% of float · ▲ +16.2% MoM · 7.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
163 holders — near 3-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+14%
Y/Y
Free cash flow
$56.7M
Valuation
P/E 18.7
rich
Balance sheet
$235.9M
net cash
Quant / Vol
risk profile
Volatility
33%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
3.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
−7%
Bearish
RSI (14)
33
Neutral
MACD trend
Negative
Bearish
52-week position
49%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $122 › 200d $111 — 50d above 200d
Institutional flow
Distributing
-1% holders QoQ · +22 funds added
Insider flow
Distributing
Net -$388.8K over 90 days · 100% sells
Short interest
Rising
7.76% of float · ▲ +16.2% MoM · 7.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
163 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $93
Now $113 · 49%
Range high $133
vs 200-day avg +2%
vs 50-day avg -7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| average return on assets | 2.09% | the quarter ended June 30, 2026 filing | — |
| average return on equity | 17.06% | the quarter ended June 30, 2026 filing | — |
| blended 8.80% variable rate asset yield on these commercial loans | 8.8% | the quarter ended June 30, 2026 filing | — |
| stable fee income as % of total revenue | 15% | the quarter ended June 30, 2026 filing | — |
| Adjusted diluted earnings per share non-GAAP | $3.18 | Six Months Ended June 30 | — |
|
|
|||
| Adjusted efficiency ratio non-GAAP | 47.2% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted net income non-GAAP | 27.71M | Six Months Ended June 30 | — |
|
|
|||
| Adjusted return on average assets non-GAAP | 2.31% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted return on average equity non-GAAP | 18.64% | Six Months Ended June 30, 2026 | — |
| Allowance for credit losses to loans ratio | 1.3% | Q2 2026 | — |
|
|
|||
| Allowance for credit losses to total loans | 1.3% | June 30, 2026 | — |
| Allowance to nonperforming loans | 481% | June 30, 2026 | — |
| Book value per share | $36.29 | at June 30, 2026 | — |
| Commercial loans variable rate tied to prime | $1.33B | at June 30, 2026 | — |
| Commercial treasury clearing services transactions | 152.6M | the second quarter of 2026 | — |
| Commercial treasury clearing services volume | 10.6B | the second quarter of 2026 | — |
| Common Equity Tier 1 (Bank Level) | 14.24% | at June 30, 2026 | — |
| Common equity tier 1 capital ratio | 14.24% | June 30, 2026 | — |
| Core deposit platform funding cost | 1.03% | at June 30, 2026 | — |
| CRE exposure as % of Bank level regulatory Tier 1 capital plus ACL | 168% | at June 30, 2026 | — |
| CRE exposure as % of consolidated level regulatory Tier 1 capital plus ACL | 152% | at June 30, 2026 | — |
| credit and debit card payment volume | 10.6B | Q2 2026 | — |
| DDA and NOW (escrow or IOLTA funds) deposits as % of total deposits | 86% | at June 30, 2026 | — |
| DDA deposits as % of total deposits | 25% | at June 30, 2026 | — |
| Efficiency ratio | 50.6% | the six months ended June 30, 2026 | — |
|
|
|||
| Escrow-based IOLTA deposits as % of total deposits | 60% | at June 30, 2026 | — |
| Estimated sensitivity of projected annualized NII in down 100 basis point rate scenario | 5.9% | at March 31, 2026 | — |
| Estimated sensitivity of projected annualized NII in down 200 basis point rate scenario | 11.8% | at March 31, 2026 | — |
| Fee income as % of total revenue | 15% | for the quarter ended June 30, 2026 | — |
| FHLB liquidity through pledged Multifamily and Residential loan portfolio | $249.5M | at June 30, 2026 | — |
| Independent Sales Organization (ISO) merchants | 93,000 | at June 30, 2026 | — |
| Law firm loan yield | 8.8% | at June 30, 2026 | — |
| Liquidity as % of total deposits | 54% | at June 30, 2026 | — |
| Litigation deposits as % of total deposits | 79% | at June 30, 2026 | — |
| Litigation loan portfolio weighted average interest rate | 8.8% | at June 30, 2026 | — |
| Loan-to-deposit ratio | 87% | June 30, 2026 | — |
| Merchants serviced | 93,000 | at June 30, 2026 | — |
| Net interest margin | 6% | the six months ended June 30, 2026 | — |
|
|
|||
| Nonperforming assets to total assets | 0.2% | June 30, 2026 | — |
| Nonperforming loans | 5.1M | Q2 2026 | — |
|
|
|||
| Nonperforming loans to total assets ratio | 0.2% | Q2 2026 | — |
|
|
|||
| Nonperforming loans to total loans | 0.27% | June 30, 2026 | — |
| Nonperforming loans to total loans ratio | 0.27% | June 30, 2026 | — |
| Off-balance sheet sweep funds | $1B | at June 30, 2026 | — |
| Off-balance sheet sweep funds available for additional on-balance sheet liquidity | $392.5M | at June 30, 2026 | — |
| Overall liquidity position | $1.19B | at June 30, 2026 | — |
| Payment processing deposits as % of total deposits | 6% | at June 30, 2026 | — |
| Payment processing transaction volume | 289.9M | the six months ended June 30, 2026 | — |
| Payment processing volumes | 20.2B | the six months ended June 30, 2026 | — |
| Return on average assets | 2.1% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Return on average equity | 16.94% | Six Months Ended June 30, 2026 | — |
| small business clients | 93,000 | Q2 2026 | — |
|
|
|||
| Tier 1 leverage ratio | 11.68% | June 30, 2026 | — |
| Total capital ratio | 15.49% | June 30, 2026 | — |
| transactions | 152.6M | Q2 2026 | — |
|
|
|||
| Uninsured deposits as % of total deposits | 33% | at June 30, 2026 | — |
| additional available liquidity | $522M | the current quarter | — |
| adjusted return on average common equity non-GAAP | 18.96% | the quarter ended March 31, 2026 | — |
| Adjusted ROA non-GAAP | 2.37% | 1Q 2026 | — |
| Adjusted ROTCE non-GAAP | 18.96% | 1Q 2026 | — |
| allowance to loans ratio | 1.3% | March 31, 2026 | — |
| Average loan yields | 7.85% | the first quarter of 2026 | — |
| Commercial loans as a percentage of loan portfolio | 70% | 1Q 2026 | — |
| Commercial real estate portfolio | $503.4M | March 31, 2026 | — |
| Common Equity Tier 1 | 14.25% | 1Q 2026 | — |
| common equity tier 1 ratio | 14.25% | March 31, 2026 | — |
| Cost of deposits, including noninterest bearing demand deposits | 1% | the first quarter of 2026 | — |
| CRE exposure as a percentage of Bank level regulatory Tier 1 capital plus the ACL | 167% | 1Q 2026 | — |
| Current weighted average debt service coverage ratio | 1.61 | March 31, 2026 | — |
| DDA deposits as a percentage of total deposits | 26% | 1Q 2026 | — |
| Equity to Assets | 12.44% | 1Q 2026 | — |
| Fee income as a percentage of total revenue | 16% | 1Q 2026 | — |
| IOLTA deposits as a percentage of total deposits | 56% | 1Q 2026 | — |
| Liquidity through FHLB program from pledged multifamily and residential loan portfolio | 231M | 1Q 2026 | — |
| Litigation related loan growth | $354.6M | the first quarter of 2026 | — |
| NIM | 6.04% | 1Q 2026 | — |
| nonperforming loan | $736K | the current quarter | — |
| nonperforming loan to total assets ratio | 0.03% | the current quarter | — |
| OBS sweep funds available to be swept on balance sheet | $330.4M | March 31, 2026 | — |
| OBS sweep funds available to be swept on balance sheet as a percentage of OBS sweep funds | 33% | March 31, 2026 | — |
| Original loan-to-value | 56% | March 31, 2026 | — |
| Payment processing volumes for the credit and debit card processing platform | $9.7B | the first quarter of 2026 | — |
| Ratio of nonperforming loans to total assets | 0.03% | March 31, 2026 | — |
| Ratio of nonperforming loans to total loans | 0.04% | March 31, 2026 | — |
| ROA | 2.1% | 1Q 2026 | — |
| ROTCE | 16.82% | 1Q 2026 | — |
| tangible common equity to tangible assets ratio | 12.44% | March 31, 2026 | — |
| Total liquidity position as a percentage of total deposits | 53% | 1Q 2026 | — |
| Total securities to assets ratio | 13% | March 31, 2026 | — |
| Transaction volume | 137.3M | the first quarter of 2026 | — |
| Uninsured deposits | 623M | 1Q 2026 | — |
| Uninsured deposits as a percentage of total deposits | 30% | 1Q 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ESQ
this stock
Esquire Financial Holdings, Inc.
|
$1.37B | +10.4% | — | 18.7 | 7.8% |
|
MFG
Mizuho Financial Group Inc
|
$126.71B | +42.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.39B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +1.2% | — | — | 0.7% |
|
USB
US Bancorp \De\
|
$97.85B | +17.7% | +4.4% | 12.5 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ESQ | -3.4% | -14.6% | +10.8% | -12.8% | +10.4% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | -3.0% | -19.6% | -1.6% | -15.4% | -2.0% |
Capital returns
Latest dividend
$0.20
/ share · ex Aug 14, 2026
Paid (TTM)
$0.775
/ share · 4 payouts
Dividend yield (TTM, derived)
0.69%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.