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ESQ

Esquire Financial Holdings, Inc.
$120.34 -3.29 (-2.66%) At close · Jul 2
Market Cap
$1.04B
Shares
8,639,431

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$120.34 Open$124.37 Day$119.73–124.95 52W$90.08–134.56 Avg vol 30d117K Short int733K · 8.5% float · 7.4d Short vol75% Last earningsApr 23, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 11
Equibles Rating blended score · not investment advice
Overall
Buy
Technical · trend & momentum Buy
50 / 200-day cross no cross
+ Price vs 200-day avg +13% above
+ Price vs 50-day avg +9% above
RSI (14) 63 · neutral
+ MACD trend positive
52-week position 68% · mid-range
Sentiment · smart money Bearish
Trend (MA cross) 50d $111 › 200d $106 — 50d above 200d
Institutional flow 2 of 164 funds reported for Jun 30 · net -13 sh shares
Insider flow No net insider activity over 90 days
Short interest 8.48% of float · ▲ +0.3% MoM · 7.4 days cover
Volume signal Volume near normal
+ Institution breadth 164 holders — near 3-yr high, broad support
Fundamentals Strong
+ EPS growth +14% Y/Y
+ Free cash flow $56.7M
Valuation P/E 20.3 · rich
+ Balance sheet net cash $235.9M

Blended from price, positioning & fundamentals · daily-close · not investment advice.

Up next
Next earnings call
Jul 23, 2026 Est · unconfirmed · in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 11, 2026

Technicals

trend & momentum for long-term holders Buy
0 · 3 · 3
50 / 200-day cross
no cross Neutral
Price vs 200-day avg
+13% above Bullish
Price vs 50-day avg
+9% above Bullish
RSI (14)
63 · neutral Neutral
MACD trend
positive Bullish
52-week position
68% · mid-range Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $111 › 200d $106 — 50d above 200d
Institutional flow Distributing
2 of 164 funds reported for Jun 30 · net -13 sh shares
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
8.48% of float · ▲ +0.3% MoM · 7.4 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
164 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $90 Now $120 · 68% 52-wk high $135
vs 200-day avg +13% vs 50-day avg +9%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings
Metric Latest Period YoY
Credit and debit card payment volume 9.7B Q1 2026
Credit and debit card transactions 137.3M Q1 2026
Payment processing small business clients 93,000 Q1 2026
allowance for credit losses to loans ratio 1.37% Q4 2025
average loans 1.66B Q4 2025
equity to assets ratio 12.2% Q4 2025
loans 1.76B Q4 2025
nonperforming loans 8.6M Q4 2025
nonperforming loans to total assets ratio 0.36% Q4 2025
return on average assets 2.43% FY2025
return on average equity 19.41% FY2025
small business clients 93,000 Q4 2025
transactions 145.4M Q4 2025

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
ESQ
Esquire Financial Holdings, Inc.
this stock
$1.04B +18.1% 20.3 8.5%
HDB
Hdfc Bank Ltd
$132.30B -29.5% +15.2% 0.2%
MFG
Mizuho Financial Group Inc
$121.09B +35.8% 0.3%
IBN
Icici Bank Ltd
$105.76B -1.0% 0.7%
PNC
Pnc Financial Services Group, Inc.
$100.19B +20.4% +7.2% 14.5 1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
164
% held
69.8%
Reported
2 of 164
Top holder
Mawer Investment Manageme…
Held Float
View
Held by Funds
Fund positions
173
View
Short & Settlement
Short Interest Rising
Shares short
733.0K
Days to cover
7.4d
Change
+1.9K sh
View
Short Volume
Short vol %
75%
As of
Jul 6, 2026
Short Total
View
Fails to Deliver
FTD shares
226
Value
$25.6K
As of
Jun 12, 2026
View
Off-Exchange
Off-exchange %
32.2%
Week of
May 4, 2026
Off-exch Lit
View
Financials
Financials
Net income (FY)
$50.8M
EPS diluted
$5.87
View
Filings
SEC Filings
Latest
8-K
Filed
Jun 24, 2026
This year
13
View
Proposed Sales
Value
$242.1K
Shares
2.3K
Filed
Mar 19, 2026
View
Earnings & Events
Earnings Calls
Last call
Jun 23, 2026
View

Performance

5D 20D 120D MTD YTD
ESQ +3.6% +13.3% +8.9% +1.0% +18.1%
SPY +1.4% -1.3% +8.0% -0.3% +9.2%
vs SPY +2.2% +14.6% +0.9% +1.3% +8.9%

Capital returns

Latest dividend
$0.20 / share · ex May 15, 2026
Raised 14.3%
Paid (TTM)
$0.75 / share · 4 payouts
Dividend yield (TTM, derived)
0.62%

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.

Key facts CIK 1531031 CUSIP 29667J101 13F (30d) 2 filings 2 filers Visit website