Esquire Financial Holdings, Inc. (ESQ) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
Esquire Financial Holdings, Inc. (ESQ) stock forecast summary
On Oct. 16, 2026, ESQ is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5172 stocks scored that day.
Esquire Financial Holdings, Inc. is a small-cap company with a market capitalization of $1.44B. It ranks number 18 by market capitalization among the 20 Commercial Banks, NEC issuers in our coverage with a current forecast. Its D/E Ratio of 7.00x is the lowest of the 17 peers that report one.
For ESQ, the Spearman rank correlation between our 90-day forecasts and the returns that followed is -2.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 0.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
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How ESQ ranks among 5172 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Esquire Financial Holdings, Inc. (ESQ) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Commercial Banks, NEC peers listed below that report each metric.
Valuation & Market
| Metric | ESQ | Rank |
|---|---|---|
| Market Cap | $1.44B | 18/20 |
| P/E Ratio | 19.66x | 4/15 |
| P/B Ratio | 4.59x | 2/5 |
| Dividend Yield | 0.44% | – |
| EPS | $6.05 | – |
| Book Value/Share | $25.93 | – |
| Revenue/Share | $12.33 | – |
| FCF/Share | $5.48 | – |
Profitability & Margins
| Metric | ESQ | Rank |
|---|---|---|
| ROE | 16.8% | 9/12 |
| ROA | 2.1% | 4/15 |
| Net Margin | 35.3% | 3/12 |
| EBT Margin | 47.0% | 3/14 |
| Tax Rate | 24.8% | – |
Financial Health
| Metric | ESQ | Rank |
|---|---|---|
| D/E Ratio | 7.00x | 17/17 |
| Financial Leverage | 8.00x | 17/17 |
Cash Flow
| Metric | ESQ | Rank |
|---|---|---|
| Operating Cash Flow | $68M | 14/20 |
| Free Cash Flow | $66M | 6/11 |
| Capital Spending | -$1M | 1/11 |
| OCF Growth YoY | 39.3% | 3/16 |
| FCF Growth YoY | 44.1% | 2/6 |
| FCF/Sales | 44.5% | 1/7 |
| CapEx/Sales | 0.8% | 6/7 |
Operational Efficiency
| Metric | ESQ | Rank |
|---|---|---|
| Asset Turnover | 0.06x | 5/13 |
| Fixed Assets Turnover | 37.5x | 2/8 |
Income Statement
| Metric | ESQ | Rank |
|---|---|---|
| Total Revenue | $149M | 13/13 |
| Net Income | $53M | 13/15 |
Dividend & Shareholder Information
| Metric | ESQ | Rank |
|---|---|---|
| Dividends Per Share | $0.53 | – |
| Payout Ratio | 8.8% | – |
| Shares Outstanding | 12M | – |
| Net Income Growth | 13.6% | 8/12 |
| EPS Growth | 12.0% | 11/15 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $242M | 9.6% of assets |
| Total Liabilities | $2.20B | 87.5% of assets |
ESQ quarterly financials and insider trading
Esquire Financial Holdings, Inc. (ESQ) industry peers
Companies classified under the same SEC industry code as Esquire Financial Holdings, Inc. (Commercial Banks, NEC): 23 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
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Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| ESQ Esquire Financial Holdings, Inc. | ▶ | $1.44B |
| RY Royal Bank Of Canada | ▼ | $277.04B |
| MUFG Mitsubishi Ufj Financial Group Inc | ▶ | $259.67B |
| TD Toronto Dominion Bank | ▼ | $203.40B |
| SAN Banco Santander, S.A. | ▼ | $195.37B |
| SMFG Sumitomo Mitsui Financial Group, Inc. | ▼ | $160.23B |
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | ▼ | $146.83B |
| HDB Hdfc Bank Ltd | ▼ | $121.50B |
| BMO Bank Of Montreal /Can/ | ▼ | $118.44B |
| CM Canadian Imperial Bank Of Commerce /Can/ | ▼ | $104.22B |
| ING Ing Groep Nv | ▼ | $97.09B |
| LYG Lloyds Banking Group Plc | ▼ | $81.48B |
| BCS Barclays Plc | ▼ | $77.53B |
| NWG Natwest Group Plc | ▼ | $70.31B |
| BSBR Banco Santander (Brasil) S.A. | ▼ | $20.90B |
| BSAC Banco Santander Chile | ▼ | $15.40B |
| GGAL Grupo Financiero Galicia Sa | ▼ | $6.02B |
| NTB Bank Of N.T. Butterfield & Son Ltd | ▼ | $2.34B |
| PGC Peapack Gladstone Financial Corp | ▶ | $769M |
| VBNK Versabank | ▶ | $710M |
| AVAL Grupo Aval Acciones Y Valores S.A. | ▶ | N/A |
| DJP Barclays Bank Plc | ▼ | N/A |
| WBKCY Westpac Banking Corp | ▼ | N/A |
Where ESQ sits on the market map
Esquire Financial Holdings, Inc. (ESQ) stock news
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Esquire Financial Holdings, Inc. (ESQ) stock forecast FAQ
What is the Esquire Financial Holdings, Inc. (ESQ) stock forecast?
On Oct. 16, 2026, ESQ is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5172 stocks scored that day.
How accurate are Esquire Financial Holdings, Inc. stock predictions?
For ESQ, the Spearman rank correlation between our 90-day forecasts and the returns that followed is -2.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 0.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Esquire Financial Holdings, Inc. forecasts updated?
Esquire Financial Holdings, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Esquire Financial Holdings, Inc.'s industry peers?
23 issuers in our coverage, ESQ included, share the SEC industry code Commercial Banks, NEC. The largest are: Royal Bank Of Canada (RY), Mitsubishi Ufj Financial Group Inc (MUFG), Toronto Dominion Bank (TD), Banco Santander, S.A. (SAN), Sumitomo Mitsui Financial Group, Inc. (SMFG), Banco Bilbao Vizcaya Argentaria, S.A. (BBVA).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.