Esquire Financial Holdings, Inc.

  • Earnings Score
  • Market Cap $683.96M
  • PE 16
  • Debt -
  • Cash $126.33M
  • EV -
  • FCF $41.50M

Earnings

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Sales & Net Margins

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Earnings$43.66M
EBIT$59.28M
ROE18%
ROA3%
FCF$41.50M
Equity$237.09M
Growth Stability100%
PE15.67
PEG0.42
PB2.88
P/FCF16.48
Price/Cash0.18
Earnings CAGR41%
FCF CAGR40%
Equity CAGR17%
Earnings Stability0.86
Earnings Growth YoY19%
Earnings Growth QoQ3%
Earnings CAGR 5Y37%
FCF CAGR 5Y23%
Equity CAGR 5Y17%
FCF CAGR 3Y14%
Equity CAGR 3Y22%
Market Cap$683.96M
Dividend Yield1%
Payout Ratio11%
Assets$1.89B
Cash$126.33M
Shares Outstanding7.82M
Earnings Score95%
Shares Growth 3y1%
Equity Growth QoQ2%
Equity Growth YoY19%

Assets & ROA

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Stockholders Equity & ROE

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Esquire Financial Holdings Inc is a United States-based bank holding company. The bank offers various services such as checking accounts, personal checking account, professional checking accounts, and business checking accounts among others. It generates revenue in the form of interest income.

SEC Filings

Direct access to Esquire Financial Holdings, Inc. (ESQ) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Esquire Financial Holdings, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Esquire Financial Holdings, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 41%
Stability 86%
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Esquire Financial Holdings, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Esquire Financial Holdings, Inc..

= $6.7B
012345678910TV
fcf$41M$58M$82M$114M$160M$224M$314M$441M$618M$866M$1.2B$12B
DCF$53M$67M$86M$109M$139M$178M$226M$288M$367M$468M$4.7B
Value$6.7B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins-----------
ROA--1%2%2%2%2%3%3%3%3%
ROE--4%9%13%10%12%18%21%18%18%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF-----------
Debt over Equity-----------
Growth Stability---100%100%100%100%100%100%100%100%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth-----------
Earnings YoY growth-144%31%141%62%-11%42%59%44%6%37%
Equity YoY growth-6%60%11%20%14%14%10%26%19%17%
FCF YoY growth-146%4%134%61%4%96%33%8%-1%23%