ESQ · Esquire Financial Holdings, Inc.
$118.49
+0.47 (+0.40%)
At close · Oct 6
Return incl. dividend (before tax)
Market Cap
$1.43B
Shares
12.10M
Volume · Oct 6
19.15K
Avg daily vol (3M)
166.61K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$118.02
Open$119.92
Day$117.83–120.24
52W close$92.91–132.92
Avg vol 30d190K
Short int1.0M · 8.4% float · 5.7d
Short vol76%
Last earningsJul 23, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 2 wks
filed Aug 10, 2026
call held Jul 23, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
—
Trailing 12 months
Net income (TTM)
—
Trailing 12 months
Revenue growth YoY
—
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
—
Year over year · more shares
Price change (1Y)
+19.3%
Trailing year
Short interest
8.4%
Latest settlement · 5.7 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.5 · calm
Equity put/call 0.59
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+5%
above
Price vs 50-day avg
−3%
below
RSI (14)
46
neutral
MACD trend
Negative
52-week position
63%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+4%
trailing
YTD return
+16%
this year
Relative strength
−8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $122 › 200d $113 — 50d above 200d
Institutional flow
Distributing
2 of 165 funds reported for Sep 30 · net -15 sh shares
Insider flow
Distributing
Net -$1.6M over 90 days · 100% sells
Short interest
Rising
8.40% of float · ▲ +19.2% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
165 holders — near 3-yr high, broad support
Squeeze score
76
high risk · 0–100
Fundamentals
EPS growth
+14%
Y/Y
Free cash flow
$56.7M
Valuation
P/E 19.5
rich
Quant / Vol
risk profile
Volatility
33%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.9%
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
+5%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
46
Neutral
MACD trend
Negative
Bearish
52-week position
63%
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $122 › 200d $113 — 50d above 200d
Institutional flow
Distributing
2 of 165 funds reported for Sep 30 · net -15 sh shares
Insider flow
Distributing
Net -$1.6M over 90 days · 100% sells
Short interest
Rising
8.40% of float · ▲ +19.2% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
165 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $93
Now $118 · 63%
Range high $133
vs 200-day avg +5%
vs 50-day avg -3%
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 commercial loan yields | 8.77% | the three months ended June 30, 2026 filing | — |
| Average deposits | 2.16B | the three months ended June 30, 2026 filing | — |
| Average interest earning cash balances | 205M | the three months ended June 30, 2026 filing | — |
| Average loan yields | 7.78% | the three months ended June 30, 2026 filing | — |
| Average loans | 1.88B | the three months ended June 30, 2026 filing | — |
| Average securities | 322.8M | the three months ended June 30, 2026 filing | — |
| commercial treasury clearing services transactions | $153M | the quarter ended June 30, 2026 filing | — |
| commercial treasury clearing services volume | $11B | the quarter ended June 30, 2026 filing | — |
| Cost of deposits, including noninterest bearing demand deposits | 1.03% | the three months ended June 30, 2026 filing | — |
| Net interest margin | 5.96% | the three months ended June 30, 2026 filing | — |
| small business merchants | 93,000 | the quarter ended June 30, 2026 filing | — |
| Transactions volume | 152.6M | the quarter ended June 30, 2026 filing | — |
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.
|
$1.43B | +15.6% | — | 19.5 | 8.4% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +50.7% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -39.5% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +16.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -6.9% | — | — | 0.6% |
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
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ESQ | -1.4% | -0.8% | +4.0% | +1.4% | +15.6% |
| SPY | +1.2% | +0.6% | +11.6% | +1.6% | +13.6% |
| vs SPY | -2.6% | -1.4% | -7.6% | -0.2% | +2.0% |