Tearsheet

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.1%, FCF Yield is 6.2%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -51%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39%

Low stock price volatility
Vol 12M is 31%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

Trading close to highs
Dist 52W High is -1.5%, Dist 3Y High is -1.5%

Key risks
ESQ key risks include [1] a deep concentration in the legal industry and New York geography, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.1%, FCF Yield is 6.2%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -51%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39%
3 Low stock price volatility
Vol 12M is 31%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
5 Trading close to highs
Dist 52W High is -1.5%, Dist 3Y High is -1.5%
6 Key risks
ESQ key risks include [1] a deep concentration in the legal industry and New York geography, Show more.

ESQ in ETFs

Weight = ESQ's share of each fund

VTI0.00%
ITOT0.00%
IWM0.02%
KRE0.27%
AVUV0.07%
IWO0.04%
VTWO0.02%
DFAS0.02%
+4 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/12/2026

Esquire Financial (ESQ) stock has gained about 15% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat and Robust Financial Performance.

Esquire Financial Holdings, Inc. announced impressive fiscal Q1 2026 results on April 23, 2026, reporting earnings per share (EPS) of $1.58, which surpassed analysts' consensus estimates of $1.52 by $0.06, representing a 3.95% positive surprise. Net income increased 7% year-over-year to $12.2 million, with adjusted net income rising 21% year-over-year. The company maintained a resilient net interest margin (NIM) of 6.04% and demonstrated significant loan growth, with its litigation loan portfolio growing 15% annualized to $1.22 billion. Total deposits also saw a substantial increase, reaching $2.1 billion. These strong financials and earnings beat contributed significantly to the stock's positive trend.

2. Increased Shareholder Returns Through Dividend Hike.

In conjunction with its strong first-quarter performance, Esquire Financial Holdings, Inc. raised its quarterly dividend by 14%. The company declared a regular quarterly dividend of $0.20 per share of common stock, payable on June 1, 2026. This increase signals confidence from management in the company's sustained profitability and financial health, further attracting investors.

Show more
Updated on 6/12/2026

Esquire Financial (ESQ) stock has gained about 15% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat and Robust Financial Performance.

Esquire Financial Holdings, Inc. announced impressive fiscal Q1 2026 results on April 23, 2026, reporting earnings per share (EPS) of $1.58, which surpassed analysts' consensus estimates of $1.52 by $0.06, representing a 3.95% positive surprise. Net income increased 7% year-over-year to $12.2 million, with adjusted net income rising 21% year-over-year. The company maintained a resilient net interest margin (NIM) of 6.04% and demonstrated significant loan growth, with its litigation loan portfolio growing 15% annualized to $1.22 billion. Total deposits also saw a substantial increase, reaching $2.1 billion. These strong financials and earnings beat contributed significantly to the stock's positive trend.

2. Increased Shareholder Returns Through Dividend Hike.

In conjunction with its strong first-quarter performance, Esquire Financial Holdings, Inc. raised its quarterly dividend by 14%. The company declared a regular quarterly dividend of $0.20 per share of common stock, payable on June 1, 2026. This increase signals confidence from management in the company's sustained profitability and financial health, further attracting investors.

3. Strategic Expansion through Acquisition Progress.

Esquire Financial made meaningful progress in integrating its planned acquisition of Chicago-based Signature Bancorporation. This acquisition, announced on March 12, 2026, is anticipated to deepen Esquire's presence in major legal markets and accelerate growth, indicating a clear strategic pathway for future expansion and enhanced market reach.

4. Positive Regional Banking Sector Momentum.

The broader regional banking sector experienced positive sentiment during the period, with regional bank share prices climbing 12% on average over the month leading up to Q1 2026 earnings. This sector-wide optimism was driven by factors such as higher net interest margins, healthy loan growth, and low credit costs, suggesting a cautious belief among investors that interest rate volatility might be subsiding. Esquire Financial benefited from these favorable macroeconomic and industry-specific tailwinds, amplifying its individual company successes.

Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

Stock Movement Drivers

Fundamental Drivers

The 13.8% change in ESQ stock from 2/28/2026 to 6/24/2026 was primarily driven by a 10.4% change in the company's P/E Multiple.
(LTM values as of)22820266242026Change
Stock Price ($)100.79114.7113.8%
Change Contribution By: 
Total Revenues ($ Mil)1401539.3%
Net Income Margin (%)35.0%33.7%-3.8%
P/E Multiple16.618.310.4%
Shares Outstanding (Mil)88-1.9%
Cumulative Contribution13.8%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/24/2026
ReturnCorrelation
ESQ13.8% 
Market (SPY)7.2%11.2%
Sector (XLF)5.0%32.0%

Fundamental Drivers

The 12.8% change in ESQ stock from 11/30/2025 to 6/24/2026 was primarily driven by a 9.4% change in the company's P/E Multiple.
(LTM values as of)113020256242026Change
Stock Price ($)101.67114.7112.8%
Change Contribution By: 
Total Revenues ($ Mil)1401539.3%
Net Income Margin (%)35.0%33.7%-3.8%
P/E Multiple16.818.39.4%
Shares Outstanding (Mil)88-1.9%
Cumulative Contribution12.8%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/24/2026
ReturnCorrelation
ESQ12.8% 
Market (SPY)7.9%19.5%
Sector (XLF)1.6%42.0%

Fundamental Drivers

The 27.4% change in ESQ stock from 5/31/2025 to 6/24/2026 was primarily driven by a 18.5% change in the company's Total Revenues ($ Mil).
(LTM values as of)53120256242026Change
Stock Price ($)90.07114.7127.4%
Change Contribution By: 
Total Revenues ($ Mil)12915318.5%
Net Income Margin (%)34.8%33.7%-3.2%
P/E Multiple16.018.314.7%
Shares Outstanding (Mil)88-3.2%
Cumulative Contribution27.4%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/24/2026
ReturnCorrelation
ESQ27.4% 
Market (SPY)25.8%27.8%
Sector (XLF)7.0%45.6%

Fundamental Drivers

The 178.6% change in ESQ stock from 5/31/2023 to 6/24/2026 was primarily driven by a 104.2% change in the company's P/E Multiple.
(LTM values as of)53120236242026Change
Stock Price ($)41.18114.71178.6%
Change Contribution By: 
Total Revenues ($ Mil)9715358.8%
Net Income Margin (%)36.6%33.7%-8.0%
P/E Multiple9.018.3104.2%
Shares Outstanding (Mil)88-6.6%
Cumulative Contribution178.6%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/24/2026
ReturnCorrelation
ESQ178.6% 
Market (SPY)82.4%35.7%
Sector (XLF)77.5%49.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
ESQ Return64%38%17%61%29%14%526%
Peers Return25%-38%19%11%-15%-22%-33%
S&P 500 Return27%-19%24%23%16%8%96%

Monthly Win Rates [3]
ESQ Win Rate83%58%58%67%75%67% 
Peers Win Rate53%38%57%55%50%33% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
ESQ Max Drawdown-20%-16%-24%-17%-21%-15% 
Peers Max Drawdown-33%-49%-39%-25%-35%-36% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: BUR, MCB, FIS, GPN, PYPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/24/2026 (YTD)

How Low Can It Go

EventESQS&P 500
2025 US Tariff Shock
  % Loss-17.4%-18.8%
  % Gain to Breakeven21.1%23.1%
  Time to Breakeven53 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-14.5%-9.5%
  % Gain to Breakeven17.0%10.5%
  Time to Breakeven67 days24 days
2023 SVB Regional Banking Crisis
  % Loss-21.4%-6.7%
  % Gain to Breakeven27.2%7.1%
  Time to Breakeven76 days31 days
2020 COVID-19 Crash
  % Loss-46.0%-33.7%
  % Gain to Breakeven85.0%50.9%
  Time to Breakeven303 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-22.6%-19.2%
  % Gain to Breakeven29.2%23.8%
  Time to Breakeven46 days105 days

Compare to BUR, MCB, FIS, GPN, PYPL

In The Past

Esquire Financial's stock fell -17.4% during the 2025 US Tariff Shock. Such a loss loss requires a 21.1% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventESQS&P 500
2023 SVB Regional Banking Crisis
  % Loss-21.4%-6.7%
  % Gain to Breakeven27.2%7.1%
  Time to Breakeven76 days31 days
2020 COVID-19 Crash
  % Loss-46.0%-33.7%
  % Gain to Breakeven85.0%50.9%
  Time to Breakeven303 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-22.6%-19.2%
  % Gain to Breakeven29.2%23.8%
  Time to Breakeven46 days105 days

Compare to BUR, MCB, FIS, GPN, PYPL

In The Past

Esquire Financial's stock fell -17.4% during the 2025 US Tariff Shock. Such a loss loss requires a 21.1% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Esquire Financial (ESQ)

Esquire Financial Holdings, Inc. (ESQ) is a bank holding company primarily operating through its subsidiary, Esquire Bank, National Association. The company provides a comprehensive suite of commercial banking products and services across the United States, targeting specific niches within the financial market.

Its core offerings include a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. On the lending side, Esquire provides commercial loans for operating needs, commercial lines of credit, and real estate loans covering multifamily, residential, and commercial properties. Uniquely, the bank also offers specialized consumer loans, including post-settlement and structured settlement loans for plaintiffs and claimants, alongside general consumer loans for debt consolidation and medical expenses.

Esquire Financial's primary customer segments include the legal industry and small businesses, in addition to serving broader commercial and retail customers. This strategic focus allows it to deliver tailored financial solutions, including merchant services, that cater to the distinct needs of these markets. The company maintains operational presence with a full-service branch in Jericho, New York, and an administrative office in Boca Raton, Florida.

AI Analysis | Feedback

Here are a few analogies for Esquire Financial (ESQ):

  • It's like Silicon Valley Bank, but specialized for the legal industry and its clients.
  • Think of it as a JPMorgan Chase, but entirely focused on serving law firms and the unique financial needs of the legal profession.

AI Analysis | Feedback

  • Deposit Products: Esquire Financial offers a variety of deposit accounts including checking, savings, money market, time deposits, and certificates of deposit.
  • Commercial Loans: Provides short-term financing for inventory, receivables, and operating needs, alongside loans specifically for qualified merchant customers.
  • Commercial Lines of Credit: Offers flexible credit lines to businesses to support their ongoing operational requirements.
  • Consumer Loans: Includes post-settlement and structured settlement loans for plaintiffs and claimants, as well as personal loans for various consumer needs such as debt consolidation or medical expenses.
  • Real Estate Loans: Originates loans for diverse real estate needs including multifamily, 1-4 family residential, commercial real estate, and construction projects.
  • Merchant Services: Provides services to businesses, likely related to payment processing and financial transactions.

AI Analysis | Feedback

null

AI Analysis | Feedback

null

AI Analysis | Feedback

Andrew C. Sagliocca Chief Executive Officer, President, and Vice Chairman

Andrew C. Sagliocca has served as Chief Executive Officer and President of Esquire Financial Holdings, Inc. and Esquire Bank, N.A. since 2009. In 2023, he was promoted to Vice Chairman while maintaining his current roles. Prior to joining Esquire in 2007, he served as its Chief Financial Officer. Before Esquire, Mr. Sagliocca was a senior financial officer for 13 years at North Fork Bank and previously a manager in KPMG LLP's Financial Services Group, specializing in financial institutions. He has over 35 years of experience in the financial services industry and has led numerous capital raises, including Esquire's initial public offering in 2017.

Michael Lacapria Senior Vice President and Chief Financial Officer

Michael Lacapria has served as Senior Vice President and Chief Financial Officer of Esquire Financial Holdings, Inc. and Esquire Bank since December 2018. Before joining Esquire, he served as Chief Financial Officer of Deutsche Bank Trust Corporation and the regional finance director for Deutsche Bank's U.S. operations from October 2016 through December 2018. From 2014 to 2016, Mr. Lacapria was a Director in Cantor Fitzgerald's real estate lending and investment management platforms. He also worked as an auditor in KPMG LLP New York's financial services practice, focusing on investment and commercial banking, from 2000 to 2014. Mr. Lacapria possesses over 20 years of experience in the financial services industry.

Eric S. Bader Executive Vice President and Chief Operating Officer

Eric S. Bader has served as Executive Vice President and Chief Operating Officer of Esquire Financial Holdings, Inc. since 2018. He previously held the position of Chief Financial Officer for Esquire from January 2009 to December 2018, and also served as Corporate Secretary from 2008 to 2023 and Treasurer in 2008. Prior to joining Esquire, Mr. Bader was a Vice President at Goldman Sachs and a Vice President and Investment Officer at North Fork Bank. He has over 20 years of experience in the financial services industry and was instrumental in the company's successful IPO.

Ari P. Kornhaber Executive Vice President, Head of Corporate Development

Ari P. Kornhaber was appointed Executive Vice President and Head of Corporate Development in October 2020, and previously served as Executive Vice President and Director of Sales from 2013 to 2020. He is also a founder of Esquire Financial Holdings, Inc. Mr. Kornhaber is a former trial lawyer who represented plaintiffs in personal injury, medical malpractice, and mass tort litigations. Subsequently, he was a Founder and Senior Officer at a family of financial service companies providing litigation financing to lawyers, law firms, and their clients. His background provides him with a deep understanding of the financial issues faced by practicing lawyers.

Gary Lax Chief Legal Officer and Corporate Secretary

Gary Lax serves as the Chief Legal Officer and Corporate Secretary for Esquire Financial Holdings, Inc.

AI Analysis | Feedback

Key Risks to Esquire Financial (ESQ)

  1. Credit Risk and Industry Concentration Risk: As a commercial bank heavily focused on providing services and loans to the legal industry and small businesses, Esquire Financial is exposed to significant credit risk. A downturn in the broader economy or specific challenges within the legal sector or small business segment could lead to an increase in loan defaults across its commercial, consumer (including specialized post-settlement and structured settlement loans), and real estate loan portfolios. The concentration of its business within the legal industry also means that adverse developments specifically impacting this sector could have a disproportionately negative effect on the bank's asset quality and profitability.
  2. Interest Rate Risk: As a financial institution, Esquire Financial's profitability is highly sensitive to changes in interest rates. Fluctuations in benchmark interest rates, which affect both the interest earned on its loan portfolio and the interest paid on its deposits, can significantly impact its net interest margin. An unfavorable shift in interest rates could compress margins, reduce net interest income, and thereby negatively affect the bank's overall financial performance.
  3. Regulatory and Compliance Risk: Esquire Financial, like all banks, operates in a highly regulated environment. It is subject to extensive and complex federal and state banking laws, regulations, and supervisory oversight. Changes in regulatory requirements, increased compliance costs, or the failure to comply with existing regulations could result in significant fines, penalties, operational restrictions, or reputational damage, all of which could materially impact its business and financial results.

AI Analysis | Feedback

The emergence of digital-first banks and specialized fintech lenders that can offer banking and lending services (including small business loans and legal industry financing) with lower overhead and greater digital convenience, potentially attracting ESQ's target customers away from its more traditional, branch-based banking model. Additionally, the proliferation of specialized alternative legal finance providers that focus exclusively on litigation finance and structured settlements presents a direct threat to a key segment of ESQ's consumer loan business.

AI Analysis | Feedback

Esquire Financial Holdings, Inc. operates in several significant addressable markets within the United States, focusing on the legal industry, small businesses, and various commercial and retail customers.

Market Sizes for Main Products/Services (United States)

  • Banking Services to the Legal Industry:
    • The U.S. Legal Services Market was valued at approximately USD 316.78 billion in 2024.
    • The U.S. Litigation Funding Investment Market was valued at USD 4.5 billion in 2023, and is projected to grow to USD 9.7 billion by 2032.
    • The U.S. pre-settlement lawsuit funding market was approximately USD 19.62 billion in 2025.
    • The U.S. structured settlement primary market recorded approximately $9.8 billion in settlement proceeds structured in 2024.
  • Commercial Banking Products and Services to Small Businesses:
    • The U.S. small business banking market generates an estimated $150 billion in annual revenue for the banking industry, covering deposits, loans, cards, cash management, and merchant services.
    • Banks made over $328 billion in loans to small businesses across the U.S. in 2023.
    • Total small business deposits in the U.S. were estimated at $2.4 trillion in 2024.
  • Commercial Loans (General):
    • The U.S. commercial banking market size is estimated at USD 765.53 billion in 2026.
    • The North America commercial lending market is projected to reach a valuation of USD 2,892.50 billion by 2025.
  • Real Estate Loans:
    • The U.S. Real Estate Loan Market reached an impressive valuation of $3.5 trillion in 2024.
    • The U.S. commercial real estate (CRE) mortgage market consists of approximately $4.5 trillion backed by income-producing properties and $470 billion in construction loans.
    • Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024.
  • Merchant Services:
    • The Merchant Banking Services market in the U.S. was approximately $15.4 billion in 2025.
    • The U.S. merchant acquiring market was valued at $28.2 billion in 2025.

AI Analysis | Feedback

Here are the expected drivers of future revenue growth for Esquire Financial (ESQ) over the next 2-3 years:

  1. Strategic Acquisition of Signature Bancorporation and Expansion into New Markets: The pending acquisition of Signature Bancorporation, anticipated to close in the third quarter of 2026, is a significant driver. This acquisition is expected to expand Esquire Financial's presence into the Chicago commercial banking market, which is the third-largest metropolitan area and fourth-largest legal market in the country. This strategic move is projected to enhance the combined entity's scale, diversify Esquire's loan and funding concentrations by reducing its reliance on litigation loans, and is expected to be 23% accretive to 2027 earnings per share.
  2. Sustained Growth in the National Litigation Lending Vertical: Esquire Financial is focused on serving the legal industry, providing specialized commercial loans, short-term financing, and products such as Case Acquisition Lines of Credit and Law Firm Growth Accelerator Term Loans. Management continues to emphasize and invest in its nationwide branchless litigation lending platform, which has contributed to substantial loan growth. The expansion into Chicago through the Signature Bancorporation acquisition is also expected to further bolster growth within this core vertical.
  3. Expansion and Performance of the Payment Processing Vertical: The company's payment processing segment is a significant contributor to its total revenue, serving a large base of merchants across the nation. Esquire Financial anticipates continued growth in merchant volumes and overall payment processing activity to drive future revenue.
  4. Leveraging Technology for Client Acquisition and Operational Efficiency: Esquire Financial is actively investing in and utilizing client-centric technology, digital marketing, and AI-driven strategies. These efforts are aimed at precision targeting and efficient customer acquisition within its niche verticals. Investments in CRM and risk technology are intended to support scalability and enhance client acquisition, thereby fueling future revenue growth.

AI Analysis | Feedback

Share Repurchases

  • Esquire Financial Holdings, Inc. repurchased $3.42 million, $1.36 million, and $0.34 million of common stock in fiscal years 2024, 2023, and 2022, respectively.
  • The company's Board of Directors authorized a stock repurchase program for up to 300,000 shares of its common stock, representing approximately 4.0% of its outstanding shares.

Share Issuance

  • Esquire Financial Holdings, Inc. issued common stock valued at $0.51 million in fiscal year 2024, $0.11 million in 2023, $0.33 million in 2022, and $0.03 million in 2021.

Outbound Investments

  • Esquire Financial Holdings, Inc. entered into a definitive agreement to acquire Signature Bancorporation, Inc. for an aggregate transaction value of approximately $348.4 million.
  • The acquisition of Signature Bancorporation, Inc. is an all-stock transaction.
  • This acquisition is anticipated to diversify the company's revenue base, reduce litigation loan concentration, and is projected to increase earnings per share (EPS) by 23% by 2027.

Capital Expenditures

  • Capital expenditures for Esquire Financial Holdings, Inc. were $0.71 million in fiscal year 2024, $0.61 million in 2023, $0.07 million in 2022, and $1.00 million in 2021.
  • The company's capital expenditures are relatively low, consistent with its operational model that does not rely on a traditional "brick and mortar" branch network, maintaining only one full-service branch and an administrative office.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

ESQBURMCBFISGPNPYPLMedian
NameEsquire .Burford .Metropol.Fidelity.Global P.PayPal  
Mkt Price114.714.1197.4838.6667.0842.4854.78
Mkt Cap0.90.91.019.918.338.89.7
Rev LTM153-1,54430511,4408,86733,7344,586
Op Inc LTM---1,9371,0806,3621,937
FCF LTM59-3211292,0551,0615,503595
FCF 3Y Avg46-932,3301,7755,4851,775
CFO LTM64-3211363,0721,8136,390974
CFO 3Y Avg50-993,2152,4596,2242,459

Growth & Margins

ESQBURMCBFISGPNPYPLMedian
NameEsquire .Burford .Metropol.Fidelity.Global P.PayPal  
Rev Chg LTM18.5%-474.8%15.8%12.3%14.8%5.8%13.5%
Rev Chg 3Y Avg16.7%-158.6%6.4%1.6%0.0%6.3%4.0%
Rev Chg Q19.8%-2,311.2%23.0%30.1%63.1%7.2%21.4%
QoQ Delta Rev Chg LTM4.6%-892.1%5.3%7.1%14.9%1.7%4.9%
Op Inc Chg LTM---11.2%-36.8%6.4%6.4%
Op Inc Chg 3Y Avg---9.7%-10.0%12.7%9.7%
Op Mgn LTM---16.9%12.2%18.9%16.9%
Op Mgn 3Y Avg---16.8%18.6%18.2%18.2%
QoQ Delta Op Mgn LTM---0.5%-6.8%-0.4%-0.4%
CFO/Rev LTM41.5%-44.6%26.9%20.4%18.9%26.9%
CFO/Rev 3Y Avg37.4%-35.5%30.9%31.1%19.4%31.1%
FCF/Rev LTM38.5%-42.4%18.0%12.0%16.3%18.0%
FCF/Rev 3Y Avg34.5%-33.5%22.5%22.6%17.1%22.6%

Valuation

ESQBURMCBFISGPNPYPLMedian
NameEsquire .Burford .Metropol.Fidelity.Global P.PayPal  
Mkt Cap0.90.91.019.918.338.89.7
P/S6.2-3.41.72.11.12.1
P/Op Inc---10.317.06.110.3
P/EBIT---11.612.15.911.6
P/E18.3-0.612.17.5-26.07.77.6
P/CFO14.9-2.87.76.510.16.17.1
Total Yield6.1%-176.4%8.6%17.7%-2.5%13.4%7.4%
Dividend Yield0.6%1.5%0.3%4.3%1.3%0.3%1.0%
FCF Yield 3Y Avg7.9%-13.4%6.8%7.1%9.9%7.9%
D/E0.02.70.01.11.30.20.7
Net D/E-0.51.9-1.21.01.00.00.5

Returns

ESQBURMCBFISGPNPYPLMedian
NameEsquire .Burford .Metropol.Fidelity.Global P.PayPal  
1M Rtn3.5%-9.3%6.9%-10.2%-8.1%-3.6%-5.9%
3M Rtn7.6%-46.4%19.5%-17.9%-4.9%-5.0%-4.9%
6M Rtn8.5%-53.7%25.1%-41.3%-16.8%-28.8%-22.8%
12M Rtn24.4%-63.0%44.1%-51.4%-14.0%-41.8%-27.9%
3Y Rtn162.0%-65.4%207.9%-20.7%-29.9%-36.0%-25.3%
1M Excs Rtn5.1%-7.7%8.4%-8.7%-6.5%-2.1%-4.3%
3M Excs Rtn-6.1%-58.0%6.8%-32.7%-17.3%-15.8%-16.6%
6M Excs Rtn-0.1%-62.7%13.6%-48.0%-24.1%-36.2%-30.1%
12M Excs Rtn1.2%-84.1%24.7%-72.5%-33.1%-62.6%-47.9%
3Y Excs Rtn80.9%-133.2%89.4%-90.5%-98.1%-102.4%-94.3%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Community banking1471251148465
Total1471251148465


Price Behavior

Price Behavior
Market Price$114.71 
Market Cap ($ Bil)0.9 
First Trading Date06/27/2017 
Distance from 52W High-1.5% 
   50 Days200 Days
DMA Price$109.91$105.32
DMA Trendupup
Distance from DMA4.4%8.9%
 3M1YR
Volatility31.5%31.4%
Downside Capture41.6674.16
Upside Capture51.0582.61
Correlation (SPY)17.4%26.7%
ESQ Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta0.860.700.270.570.780.74
Up Beta2.181.270.990.930.880.76
Down Beta-0.48-0.82-0.46-0.180.560.52
Up Capture80%30%28%65%74%83%
Bmk +ve Days13283667141432
Stock +ve Days10233363131400
Down Capture62%87%-1%73%87%91%
Bmk -ve Days7132757109318
Stock -ve Days10183061119348

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with ESQ
ESQ23.4%31.4%0.69-
Sector ETF (XLF)7.0%14.6%0.2545.4%
Equity (SPY)23.3%12.5%1.4026.6%
Gold (GLD)17.7%27.7%0.578.3%
Commodities (DBC)18.2%18.6%0.76-5.6%
Real Estate (VNQ)11.6%13.8%0.5632.3%
Bitcoin (BTCUSD)-40.6%42.4%-1.1117.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with ESQ
ESQ36.9%31.2%1.05-
Sector ETF (XLF)9.5%18.6%0.3945.7%
Equity (SPY)13.2%17.1%0.6034.0%
Gold (GLD)16.4%18.3%0.733.3%
Commodities (DBC)6.9%19.5%0.266.3%
Real Estate (VNQ)2.7%18.9%0.0436.7%
Bitcoin (BTCUSD)10.4%54.1%0.3916.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with ESQ
ESQ22.9%40.5%0.70-
Sector ETF (XLF)13.4%22.1%0.5544.6%
Equity (SPY)15.3%18.0%0.7338.6%
Gold (GLD)11.5%16.1%0.591.5%
Commodities (DBC)5.7%18.0%0.2411.0%
Real Estate (VNQ)5.6%20.7%0.2340.5%
Bitcoin (BTCUSD)57.2%66.5%0.9710.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.7 Mil
Short Interest: % Change Since 5152026-7.7%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest6.4 days
Basic Shares Quantity8.3 Mil
Short % of Basic Shares8.9%

Earnings Returns History

Updated 6/3/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20264.3%-4.1%1.2%
1/22/20260.7%-4.2%-1.8%
10/23/20250.9%-6.0%-5.6%
7/24/20251.0%-7.4%-6.0%
4/24/20252.3%-0.2%7.9%
1/23/2025-3.2%-4.2%-11.1%
10/24/20244.6%6.8%18.0%
7/25/20243.2%7.8%2.4%
...
SUMMARY STATS   
# Positive191414
# Negative51010
Median Positive2.0%3.3%7.1%
Median Negative-3.2%-4.2%-4.2%
Max Positive5.5%13.5%18.0%
Max Negative-3.3%-12.0%-11.1%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20264.3%-4.1%1.2%
1/22/20260.7%-4.2%-1.8%
10/23/20250.9%-6.0%-5.6%
7/24/20251.0%-7.4%-6.0%
4/24/20252.3%-0.2%7.9%
1/23/2025-3.2%-4.2%-11.1%
10/24/20244.6%6.8%18.0%
7/25/20243.2%7.8%2.4%
4/25/20241.0%1.4%-0.1%
1/25/20241.7%1.2%1.6%
10/23/20232.0%5.3%6.4%
7/25/20232.5%0.0%-5.3%
4/25/20232.0%3.7%15.2%
1/25/2023-1.7%2.8%2.0%
10/25/20225.0%13.5%16.3%
7/25/20225.5%5.6%14.6%
4/25/2022-3.3%-4.1%-3.2%
1/26/20220.6%5.1%-1.2%
10/25/2021-1.2%0.1%9.5%
7/26/20210.5%1.6%9.2%
4/26/20211.6%-0.7%6.1%
1/25/20211.9%-11.3%-7.3%
10/23/2020-3.3%-12.0%-0.3%
7/24/20203.2%0.3%5.4%
SUMMARY STATS   
# Positive191414
# Negative51010
Median Positive2.0%3.3%7.1%
Median Negative-3.2%-4.2%-4.2%
Max Positive5.5%13.5%18.0%
Max Negative-3.3%-12.0%-11.1%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/11/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/12/202510-Q
12/31/202403/17/202510-K
09/30/202411/13/202410-Q
06/30/202408/14/202410-Q
03/31/202405/10/202410-Q
12/31/202303/29/202410-K
09/30/202311/09/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/27/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
Collapse to Preview
Report DateFiling DateFiling
03/31/202605/11/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/12/202510-Q
12/31/202403/17/202510-K
09/30/202411/13/202410-Q
06/30/202408/14/202410-Q
03/31/202405/10/202410-Q
12/31/202303/29/202410-K
09/30/202311/09/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/27/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
03/31/202205/13/202210-Q
12/31/202103/11/202210-K
09/30/202111/10/202110-Q
06/30/202108/06/202110-Q
03/31/202105/14/202110-Q
12/31/202003/19/202110-K
09/30/202011/06/202010-Q
06/30/202008/07/202010-Q
03/31/202005/08/202010-Q
12/31/201903/12/202010-K
09/30/201911/08/201910-Q
06/30/201908/08/201910-Q

Insider Activity

Updated 4/26/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Powers, Richard T DirectSell3202026104.832,308241,9366,104,274Form
2Zises, Selig profit sharing planSell3202026105.252,000210,500684,230Form
3Zises, Selig TrustSell3202026105.003,000315,0006,670,965Form
4Zises, Selig profit sharing planSell3202026106.6112,5001,332,656906,313Form
5Zises, Selig TrustSell3202026106.4712,5001,330,8907,083,848Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Powers, Richard T DirectSell3202026104.832,308241,9366,104,274Form
2Zises, Selig profit sharing planSell3202026105.252,000210,500684,230Form
3Zises, Selig TrustSell3202026105.003,000315,0006,670,965Form
4Zises, Selig profit sharing planSell3202026106.6112,5001,332,656906,313Form
5Zises, Selig TrustSell3202026106.4712,5001,330,8907,083,848Form
6Melohn, Joseph LLC ISell8272025100.059,000900,45012,759,477Form
7Melohn, Joseph LLC ISell8262025100.001,326132,60013,653,100Form
8Melohn, Joseph LLC ISell826202599.9011,0001,098,88413,771,709Form
9Zises, Selig profit sharing planSell826202599.788,500848,1272,095,472Form
10Zises, Selig TrustSell826202599.648,500846,9697,875,115Form
11Zises, Selig profit sharing planSell801202595.201,00095,2002,808,495Form
12Zises, Selig TrustSell801202595.434,000381,7248,353,366Form
13Zises, Selig profit sharing planSell430202583.995,000419,9562,561,818Form
14Zises, Selig TrustSell430202584.158,000673,1837,702,303Form
15Waterhouse, Kevin C DirectSell430202583.873,000251,6067,262,950Form
16Kornhaber, Ari PEVP and Head of Corp DevDirectSell429202583.5120,0001,670,2308,738,978Form
Core Cache Last Updated: 6/24/2026