Esquire Financial Holdings Net Income
| ESQ Stock | USD 116.26 0.62 0.53% |
As of the 5th of February, Esquire Financial shows the Mean Deviation of 1.47, coefficient of variation of 532.42, and Downside Deviation of 1.58. Esquire Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.
Esquire Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.8204 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 50.2 M | 52.7 M | |
| Net Income Applicable To Common Shares | 32.8 M | 34.4 M | |
| Net Income | 50.2 M | 52.7 M | |
| Net Income Per Share | 5.84 | 6.13 | |
| Net Income Per E B T | 0.78 | 0.52 |
Esquire | Net Income | Build AI portfolio with Esquire Stock |
Evaluating Esquire Financial's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Esquire Financial Holdings's fundamental strength.
Latest Esquire Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Esquire Financial Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Esquire Financial financial statement analysis. It represents the amount of money remaining after all of Esquire Financial Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Esquire Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Esquire Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 43.66 M | 10 Years Trend |
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Net Income |
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Esquire Net Income Regression Statistics
| Arithmetic Mean | 16,394,101 | |
| Geometric Mean | 2,485,743 | |
| Coefficient Of Variation | 118.60 | |
| Mean Deviation | 16,117,422 | |
| Median | 8,734,000 | |
| Standard Deviation | 19,443,758 | |
| Sample Variance | 378.1T | |
| Range | 53.4M | |
| R-Value | 0.92 | |
| Mean Square Error | 62.9T | |
| R-Squared | 0.84 | |
| Slope | 3,537,629 | |
| Total Sum of Squares | 6049T |
Esquire Net Income History
Other Fundumenentals of Esquire Financial
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Esquire Financial Net Income component correlations
Esquire Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Esquire Financial is extremely important. It helps to project a fair market value of Esquire Stock properly, considering its historical fundamentals such as Net Income. Since Esquire Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Esquire Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Esquire Financial's interrelated accounts and indicators.
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Can Regional Banks industry sustain growth momentum? Does Esquire have expansion opportunities? Factors like these will boost the valuation of Esquire Financial. Projected growth potential of Esquire fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Esquire Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.136 | Dividend Share 0.7 | Earnings Share 5.87 | Revenue Per Share | Quarterly Revenue Growth 0.164 |
Investors evaluate Esquire Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Esquire Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause Esquire Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Esquire Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Esquire Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Esquire Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Esquire Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Esquire Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Esquire Financial.
| 11/07/2025 |
| 02/05/2026 |
If you would invest 0.00 in Esquire Financial on November 7, 2025 and sell it all today you would earn a total of 0.00 from holding Esquire Financial Holdings or generate 0.0% return on investment in Esquire Financial over 90 days. Esquire Financial is related to or competes with Hanmi Financial, Amalgamated Bank, Capitol Federal, Southside Bancshares, Heritage Financial, MidWestOne Financial, and Central Pacific. Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provid... More
Esquire Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Esquire Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Esquire Financial Holdings upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.58 | |||
| Information Ratio | 0.1543 | |||
| Maximum Drawdown | 8.48 | |||
| Value At Risk | (2.63) | |||
| Potential Upside | 4.24 |
Esquire Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Esquire Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Esquire Financial's standard deviation. In reality, there are many statistical measures that can use Esquire Financial historical prices to predict the future Esquire Financial's volatility.| Risk Adjusted Performance | 0.1443 | |||
| Jensen Alpha | 0.2858 | |||
| Total Risk Alpha | 0.2086 | |||
| Sortino Ratio | 0.1882 | |||
| Treynor Ratio | 0.2931 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Esquire Financial's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Esquire Financial February 5, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1443 | |||
| Market Risk Adjusted Performance | 0.3031 | |||
| Mean Deviation | 1.47 | |||
| Semi Deviation | 1.23 | |||
| Downside Deviation | 1.58 | |||
| Coefficient Of Variation | 532.42 | |||
| Standard Deviation | 1.92 | |||
| Variance | 3.7 | |||
| Information Ratio | 0.1543 | |||
| Jensen Alpha | 0.2858 | |||
| Total Risk Alpha | 0.2086 | |||
| Sortino Ratio | 0.1882 | |||
| Treynor Ratio | 0.2931 | |||
| Maximum Drawdown | 8.48 | |||
| Value At Risk | (2.63) | |||
| Potential Upside | 4.24 | |||
| Downside Variance | 2.48 | |||
| Semi Variance | 1.52 | |||
| Expected Short fall | (1.67) | |||
| Skewness | 0.5471 | |||
| Kurtosis | 0.3919 |
Esquire Financial Backtested Returns
Esquire Financial appears to be very steady, given 3 months investment horizon. Esquire Financial secures Sharpe Ratio (or Efficiency) of 0.16, which denotes the company had a 0.16 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Esquire Financial Holdings, which you can use to evaluate the volatility of the firm. Please utilize Esquire Financial's Coefficient Of Variation of 532.42, downside deviation of 1.58, and Mean Deviation of 1.47 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Esquire Financial holds a performance score of 12. The firm shows a Beta (market volatility) of 1.2, which means a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Esquire Financial will likely underperform. Please check Esquire Financial's maximum drawdown, as well as the relationship between the expected short fall and rate of daily change , to make a quick decision on whether Esquire Financial's price patterns will revert.
Auto-correlation | 0.65 |
Good predictability
Esquire Financial Holdings has good predictability. Overlapping area represents the amount of predictability between Esquire Financial time series from 7th of November 2025 to 22nd of December 2025 and 22nd of December 2025 to 5th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Esquire Financial price movement. The serial correlation of 0.65 indicates that roughly 65.0% of current Esquire Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.65 | |
| Spearman Rank Test | 0.55 | |
| Residual Average | 0.0 | |
| Price Variance | 12.38 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Esquire Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Esquire Financial Holdings reported net income of 43.66 M. This is 96.58% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 92.35% higher than that of the company.
Esquire Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Esquire Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Esquire Financial could also be used in its relative valuation, which is a method of valuing Esquire Financial by comparing valuation metrics of similar companies.Esquire Financial is currently under evaluation in net income category among its peers.
Esquire Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Esquire Financial from analyzing Esquire Financial's financial statements. These drivers represent accounts that assess Esquire Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Esquire Financial's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 192.6M | 142.2M | 235.3M | 889.0M | 800.1M | 840.1M |
Esquire Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Esquire Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Esquire Financial's managers, analysts, and investors.Environmental | Governance | Social |
Esquire Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Esquire Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Esquire Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Esquire Financial's value.| Shares | Dimensional Fund Advisors, Inc. | 2025-06-30 | 193.2 K | Royce & Associates, Lp | 2025-06-30 | 143.6 K | Bank Of America Corp | 2025-06-30 | 107.7 K | Gator Capital Management, Llc | 2025-06-30 | 93.1 K | Northern Trust Corp | 2025-06-30 | 89.3 K | Royal Bank Of Canada | 2025-06-30 | 89.1 K | Alliancebernstein L.p. | 2025-06-30 | 81.4 K | First Manhattan Co. Llc | 2025-06-30 | 55.7 K | Acadian Asset Management Llc | 2025-06-30 | 49.4 K | Mawer Investment Management Ltd | 2025-06-30 | 775.9 K | Blackrock Inc | 2025-06-30 | 534.6 K |
Esquire Fundamentals
| Return On Equity | 0.19 | ||||
| Return On Asset | 0.0239 | ||||
| Profit Margin | 0.37 % | ||||
| Operating Margin | 0.48 % | ||||
| Current Valuation | 711.47 M | ||||
| Shares Outstanding | 8.55 M | ||||
| Shares Owned By Insiders | 17.13 % | ||||
| Shares Owned By Institutions | 69.64 % | ||||
| Number Of Shares Shorted | 662.72 K | ||||
| Price To Earning | 24.73 X | ||||
| Price To Book | 3.45 X | ||||
| Price To Sales | 7.31 X | ||||
| Revenue | 164.5 M | ||||
| Gross Profit | 136.89 M | ||||
| EBITDA | 71.28 M | ||||
| Net Income | 43.66 M | ||||
| Cash And Equivalents | 232.35 M | ||||
| Cash Per Share | 30.43 X | ||||
| Total Debt | 1.66 B | ||||
| Debt To Equity | 5.53 % | ||||
| Book Value Per Share | 35.73 X | ||||
| Cash Flow From Operations | 42.21 M | ||||
| Short Ratio | 11.78 X | ||||
| Earnings Per Share | 5.87 X | ||||
| Target Price | 120.5 | ||||
| Number Of Employees | 138 | ||||
| Beta | 0.46 | ||||
| Market Capitalization | 1 B | ||||
| Total Asset | 1.89 B | ||||
| Retained Earnings | 152.93 M | ||||
| Annual Yield | 0.01 % | ||||
| Net Asset | 1.89 B | ||||
| Last Dividend Paid | 0.7 |
About Esquire Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Esquire Financial Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Esquire Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Esquire Financial Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Esquire Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Esquire Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Esquire Financial will appreciate offsetting losses from the drop in the long position's value.Moving together with Esquire Stock
| 0.88 | BIRG | Bank of Ireland | PairCorr |
| 0.86 | AX | Axos Financial | PairCorr |
| 0.74 | FFIN | First Financial Bank Normal Trading | PairCorr |
Moving against Esquire Stock
The ability to find closely correlated positions to Esquire Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Esquire Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Esquire Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Esquire Financial Holdings to buy it.
The correlation of Esquire Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Esquire Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Esquire Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Esquire Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for Esquire Stock Analysis
When running Esquire Financial's price analysis, check to measure Esquire Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Esquire Financial is operating at the current time. Most of Esquire Financial's value examination focuses on studying past and present price action to predict the probability of Esquire Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Esquire Financial's price. Additionally, you may evaluate how the addition of Esquire Financial to your portfolios can decrease your overall portfolio volatility.