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Esquire Financial Holdings, Inc. (ESQ)

Stock Price: $17.13 USD -0.58 (-3.27%)

Updated Oct 26, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap	131.26M
Revenue (ttm)	43.84M
Net Income (ttm)	12.82M
Shares Out	7.66M
EPS (ttm)	1.64
PE Ratio	10.45
Forward PE	n/a
Dividend	n/a
Dividend Yield	n/a

Stock Quote

Trading Day	Oct 26, 2020
Last Price	$17.13
Previous Close	$17.71
Change ($)	-0.58
Change (%)	-3.27%
Day's Open	17.60
Day's Range	16.93 - 18.00
Day's Volume	7,505
52-Week Range	10.83 - 28.89

More Stats

Market Cap	131.26M
Enterprise Value	16.92M
Earnings Date (est)	Jan 22, 2021
Ex-Dividend Date	n/a
Shares Outstanding	7.66M
Float	6.65M
EPS (basic)	1.73
EPS (diluted)	1.64
FCF / Share	3.46

Dividend	n/a
Dividend Yield	n/a
Earnings Yield	9.57%
FCF Yield	20.23%
Payout Ratio	n/a
Shares Short	74,181
Short Ratio	3.90
Short % of Float	1.12%
Beta	1.20

PE Ratio	10.45
Forward PE	n/a
P/FCF Ratio	4.94
PS Ratio	2.99
PB Ratio	1.09
Revenue	43.84M
Operating Income	17.25M
Net Income	12.82M
Free Cash Flow	26.55M

Net Cash	114.34M
Net Cash / Share	14.92
Gross Margin	99.64%
Operating Margin	39.34%
Profit Margin	29.20%
FCF Margin	60.57%
ROA	1.54%
ROE	11.02%
ROIC	2.40%

Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy	0
Overweight	0
Hold	0
Underweight	0
Sell	0

What these ratings mean

Analyst Consensus: n/a

Price Target

$17.00*

Low

17.0

Current: $17.13

High

17.0

Target: 17.00

*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year	2019	2018	2017	2016	2015
Revenue	44.07	34.22	24.47	19.19	14.01
Revenue Growth	28.79%	39.86%	27.52%	36.98%	-
Gross Profit	44.07	34.22	24.47	19.19	14.01
Operating Income	19.14	11.92	7.03	4.59	1.84
Net Income	14.14	8.73	3.64	2.82	1.17
Shares Outstanding	7.54	7.45	7.33	7.21	-
Earnings Per Share	1.82	1.13	0.58	0.55	0.25
EPS Growth	61.06%	94.83%	5.45%	120%	-
Operating Cash Flow	14.90	9.43	3.98	6.32	1.57
Capital Expenditures	-0.65	-0.57	-0.19	-2.67	-0.09
Free Cash Flow	14.25	8.86	3.79	3.65	1.48
Cash & Equivalents	61.81	30.56	43.08	42.99	33.15
Total Debt	0.09	0.09	0.28	0.37	0.38
Net Cash / Debt	61.72	30.47	42.80	42.62	32.77
Assets	798	664	534	425	353
Liabilities	687	571	450	373	303
Book Value	111	92.77	83.38	52.19	49.43

Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name	Esquire Financial Holdings, Inc.
Country	United States
Employees	86
CEO	Andrew C. Sagliocca

Stock Information

Ticker Symbol	ESQ
Stock Exchange	NASDAQ
Sector	Financial Services
Industry	Banks—Regional
Unique Identifier	NASDAQ: ESQ
IPO Date	June 27, 2017

Description

Esquire Financial Holdings operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small business communities, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. As of December 31, 2019, the company operated a branch in Jericho, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.