ESQUIRE FINANCIAL HOLDINGS I(NASDAQ:ESQ) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to ESQ. ESQ was compared to 402 industry peers in the Banks industry. ESQ has an average financial health and profitability rating. ESQ is valued quite expensively, but it does show have an excellent growth rating.

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1. Profitability

1.1 Basic Checks

In the past year ESQ was profitable.

ESQ had a positive operating cash flow in the past year.

ESQ had positive earnings in each of the past 5 years.

ESQ had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 2.34%, ESQ belongs to the best of the industry, outperforming 97.51% of the companies in the same industry.

The Return On Equity of ESQ (17.97%) is better than 95.77% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.34%
ROE	17.97%
ROIC	N/A

ROA(3y)2.3%

ROA(5y)1.95%

ROE(3y)19.03%

ROE(5y)15.92%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ESQ has a Profit Margin of 34.62%. This is amongst the best in the industry. ESQ outperforms 91.04% of its industry peers.

ESQ's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for ESQ so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.62%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y8.08%

PM growth 5Y2.58%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ESQ does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, ESQ has more shares outstanding

ESQ has more shares outstanding than it did 5 years ago.

ESQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

ESQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC8.96%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ESQ shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.88%.

The Earnings Per Share has been growing by 23.04% on average over the past years. This is a very strong growth

ESQ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.94%.

ESQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.14% yearly.

EPS 1Y (TTM)4.88%

EPS 3Y26.32%

EPS 5Y23.04%

EPS Q2Q%16.1%

Revenue 1Y (TTM)9.94%

Revenue growth 3Y24.48%

Revenue growth 5Y22.14%

Sales Q2Q%18.6%

3.2 Future

Based on estimates for the next years, ESQ will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.86% on average per year.

The Revenue is expected to grow by 12.18% on average over the next years. This is quite good.

EPS Next Y8.11%

EPS Next 2Y8.86%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.69%

Revenue Next 2Y12.18%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.99, ESQ is valued correctly.

Based on the Price/Earnings ratio, ESQ is valued a bit more expensive than the industry average as 61.19% of the companies are valued more cheaply.

The average S&P500 Price/Earnings ratio is at 29.35. ESQ is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 12.94, which indicates a correct valuation of ESQ.

Based on the Price/Forward Earnings ratio, ESQ is valued a bit more expensive than the industry average as 63.18% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, ESQ is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.99
Fwd PE	12.94

4.2 Price Multiples

ESQ's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.06
EV/EBITDA	N/A

4.3 Compensation for Growth

ESQ's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.72

PEG (5Y)0.61

EPS Next 2Y8.86%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.97%, ESQ is not a good candidate for dividend investing.

With a Dividend Yield of 0.97, ESQ pays less dividend than the industry average, which is at 3.37. 82.09% of the companies listed in the same industry pay a better dividend than ESQ!

Compared to an average S&P500 Dividend Yield of 2.33, ESQ's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.97%

5.2 History

ESQ has been paying a dividend for less than 5 years, so it still needs to build a track record.

Dividend Growth(5Y)N/A

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

ESQ pays out 11.14% of its income as dividend. This is a sustainable payout ratio.

DP11.14%

EPS Next 2Y8.86%

EPS Next 3YN/A

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ESQUIRE FINANCIAL HOLDINGS I

NASDAQ:ESQ (3/7/2025, 8:22:18 PM)

After market: 72.19 0 (0%)

72.19

-0.09 (-0.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/bmo

Earnings (Next)04-23 2025-04-23/bmo

Inst Owners61.01%

Inst Owner Change6.04%

Ins Owners17.02%

Ins Owner Change8.55%

Market Cap602.79M

Analysts74.29

Price Target89.76 (24.34%)

Short Float %8.5%

Short Ratio6.83

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.97%

Yearly Dividend0.45

Dividend Growth(5Y)N/A

DP11.14%

Div Incr Years2

Div Non Decr Years2

Ex-Date02-14 2025-02-14 (0.175)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)2.48%

Min EPS beat(2)1.28%

Max EPS beat(2)3.68%

EPS beat(4)3

Avg EPS beat(4)1.52%

Min EPS beat(4)-0.43%

Max EPS beat(4)3.68%

EPS beat(8)7

Avg EPS beat(8)9.83%

EPS beat(12)11

Avg EPS beat(12)10.28%

EPS beat(16)14

Avg EPS beat(16)8.04%

Revenue beat(2)1

Avg Revenue beat(2)-2.21%

Min Revenue beat(2)-6.87%

Max Revenue beat(2)2.44%

Revenue beat(4)2

Avg Revenue beat(4)-3.1%

Min Revenue beat(4)-8.77%

Max Revenue beat(4)2.44%

Revenue beat(8)6

Avg Revenue beat(8)12.5%

Revenue beat(12)10

Avg Revenue beat(12)24.42%

Revenue beat(16)14

Avg Revenue beat(16)31.14%

PT rev (1m)0%

PT rev (3m)18.92%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0.22%

Revenue NQ rev (1m)0.27%

Revenue NQ rev (3m)0.27%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.05%

Valuation

		Industry Rank	Sector Rank
PE	13.99
Fwd PE	12.94
P/S	4.99
P/FCF	13.06
P/OCF	12.81
P/B	2.59
P/tB	2.59
EV/EBITDA	N/A

EPS(TTM)5.16

EY7.15%

EPS(NY)5.58

Fwd EY7.73%

FCF(TTM)5.53

FCFY7.65%

OCF(TTM)5.63

OCFY7.81%

SpS14.46

BVpS27.85

TBVpS27.85

PEG (NY)1.72

PEG (5Y)0.61

Profitability

		Industry Rank	Sector Rank
ROA	2.34%
ROE	17.97%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.62%
GM	N/A
FCFM	38.23%

ROA(3y)2.3%

ROA(5y)1.95%

ROE(3y)19.03%

ROE(5y)15.92%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y8.08%

PM growth 5Y2.58%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	113.27%
Cap/Sales	0.75%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	110.42%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC8.96%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)4.88%

EPS 3Y26.32%

EPS 5Y23.04%

EPS Q2Q%16.1%

EPS Next Y8.11%

EPS Next 2Y8.86%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)9.94%

Revenue growth 3Y24.48%

Revenue growth 5Y22.14%

Sales Q2Q%18.6%

Revenue Next Year12.69%

Revenue Next 2Y12.18%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y35.83%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y37.09%

OCF growth 3YN/A

OCF growth 5YN/A

ESQUIRE FINANCIAL HOLDINGS I (ESQ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens