Lumida
/ESQ
⌘K
Esquire Financial Holdings Inc

Esquire Financial Holdings Inc

ESQ
$119.86USD+0.61%+0.73 today

MARKET CAP

1.5B

P/E (TTM)

20.4x

FWD P/E

DAY RANGE

$119 – $121

52W RANGE

$92
$135

AI Summary

Stalk
Buy NowMedium

ESQ has bounced off the 200-day SMA and short EMAs have crossed above the 50-day SMA, signaling structural repair and failure of downside control. Price was rejected at the 50-day SMA and is now pulling back into rising 9/20 EMAs, presenting a favorable pullback entry. RSI remains neutral with room to run, and the Options Score shows a modest bullish skew. We will buy now on this pullback into short-term EMA support for measured entry.

  • Signature Bank merger expands footprint in Chicago and Midwest, targeting under-served regions.
  • Q2’26 net income $13M (+16% YoY), NIM ~596bps, adjusted ROE 18.3%.
  • Merger integration risks include culture alignment issues and potential system delays.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$65.6M$85.9M$121.6M$138.3M$164.5M
YoY %+23.0%+31.1%+41.6%+13.7%+19.0%
P / Sales3.8x4.1x3.4x4.9x5.4x
EV / Sales17.3x16.6x13.7x15.9x16.6x
Gross Profit, Adj.$64.7M$84.3M$113.5M$124.8M$146.6M
YoY %+24.3%+30.2%+34.7%+10.0%+17.4%
Margin %98.7%98.1%93.3%90.3%89.1%
EV / Gross Profit17.6x16.9x14.7x17.7x18.6x
EBITDA, Adj.$22.7M$38.8M$55.9M$59.3M$65.7M
YoY %+32.3%+70.9%+44.0%+6.1%+10.7%
Margin %34.6%45.2%45.9%42.9%39.9%
EV / EBITDA50.0x36.7x29.9x37.2x41.5x
EBIT$22.7M$38.8M$55.9M$59.3M$65.7M
YoY %+32.3%+70.9%+44.0%+6.1%+10.7%
Margin %34.6%45.2%45.9%42.9%39.9%
EV / EBIT50.0x36.7x29.9x37.2x41.5x
Net Income$17.9M$28.5M$41.0M$43.7M$50.8M
YoY %+42.1%+59.1%+43.8%+6.5%+16.4%
Net Margin27.3%33.2%33.7%31.6%30.9%
EPS (GAAP)$2.26$3.47$4.91$5.14$5.87
YoY %+37.0%+53.5%+41.5%+4.7%+14.2%