ESQ

Esquire Financial Holdings, Inc.

$89.3

-0.17

(-0.19%)

Exchange:	NASDAQ
Market Cap:	755.611M
Shares Outstanding:	4.081M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. As of January 25, 2022, the company operated a full-service branch in Jericho, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	14,937	19,782	25,372	35,594	45,922	52,087	64,727	84,271	91,888	113,373
? Cost Of Revenue	0	0	1,024	1,686	1,447	1,857	1,974	2,786	3,060	0
? Gross Profit	14,937	19,782	24,348	33,908	44,475	50,230	62,753	81,485	88,828	113,373
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	6,601	8,455	10,072	13,039	14,677	16,873	21,741	25,774	33,274	38,788
? Selling And Marketing Expenses	334	430	485	524	718	584	1,174	1,462	1,823	3,514
? Operating Expenses	-12,644	-14,683	485	-22,458	-26,784	-34,920	-42,019	2,786	1,823	3,514
? Net Interest Income	0	0	0	0	0	0	0	0	0	99,929
? Interest Income	12,451	16,168	20,394	28,951	36,659	38,630	44,531	60,993	91,888	113,373
? Interest Expense	457	511	538	1,212	2,548	1,190	828	1,647	8,115	13,444
? Depreciation And Amortization	237	166	411	421	888	959	1,221	1,169	1,274	3,287
? EBITDA	2,717	4,754	0	12,719	20,026	18,791	24,943	41,350	58,419	0
? EBIT										-3,287
? Operating Income	2,293	5,099	18,885	13,136	19,138	17,167	22,708	38,602	59,735	109,859
? Income Before Tax	1,836	4,588	7,034	11,924	19,138	17,167	22,708	38,801	55,882	59,281
? Income Tax Expense	664	1,766	3,390	3,190	4,995	4,549	4,783	10,283	14,871	15,623
? Net Income From Continuing Operations										43,658
? Net Income	1,172	2,822	3,644	8,734	14,143	12,618	17,925	28,518	41,011	43,658
? EPS (Earnings Per Share)	0.250	0.560	0.590	1.180	1.910	1.700	2.400	3.730	5.310	5.590
? EPS Diluted	0.250	0.550	0.580	1.130	1.820	1.650	2.260	3.470	4.910	5.130
? Weighted Average Shares Outstanding	4,490.648	4,989.205	6,232.244	7,401.695	7,388.702	7,412.131	7,469.907	7,638.423	7,716.367	7,815.197
? Weighted Average Shares Outstanding Diluted	4,528	5,018.181	6,243.103	7,733.372	7,784.736	7,643.823	7,946.984	8,213.694	8,345.586	8,503.966
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	33,154	42,993	43,077	30,562	61,806	65,185	149,156	164,122	165,209	126,329
? Short Term Investments	84,239	92,645	128,758	145,698	146,419	117,655	148,384	187,646	122,107	241,746
? Cash And Short Term Investments	117,393	135,638	171,835	176,260	208,225	182,840	297,540	351,768	287,316	368,075
? Net Receivables	1,418	0	2,836	3,855	3,242	4,529	4,197	5,768	9,130	10,124
? Accounts Receivables										10,124
? Inventory	0	-44,534	-45,913	-34,417	-65,048	-121,440	-203,624	0	0	0
? Total Current Assets	118,811	137,179	174,671	180,115	211,467	187,369	301,737	279,159	296,446	378,199
? Property Plant Equipment Net	329	2,767	2,546	2,694	2,835	3,017	3,334	2,704	4,326	2,436
? Goodwill	0	0	0	0	0	0	0	0	0	0
? Intangible Assets	0	0	0	0	0	0	0	3,400	2,900	0
? Long Term Investments	84,239	92,645	128,758	145,698	146,419	117,655	148,384	187,646	199,108	0
? Total Non Current Assets	84,568	95,412	4,787	148,392	149,254	120,672	151,718	12,276	1,442,157	15,565
? Total Assets	352,650	424,833	533,629	663,899	798,008	936,714	1,178,770	1,395,639	1,616,876	1,892,503
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	0	0	0	0	0	0	0	0	0	0
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	1,157	346,833	421,562	212,721	202,418	352,337	409,993	38,801	0	0
? Long Term Debt	381	371	278	89	86	49	0	0	0	0
? Deferred Revenue Non Current	0	-1,883	-1,624	-2,849	-914.999	-2,366	0	0	0	0
? Deferred Tax Liabilities Non Current	0	395	150	234	1,000.999	2,415	1,830	1,688	0	0
? Total Non Current Liabilities	381	371	278	89	86	49	626,872	1,198,680	1,418,321	0
? Total Liabilities	303,225	372,647	450,246	571,125	86	49	1,036,865	1,237,481	1,418,321	1,655,409
? Treasury Stock										0
? Preferred Stock	2	1	0	0	0	0	0	0	0	0
? Common Stock	49	50	73	75	77	78	81	82	84	85
? Retained Earnings	-8,648	-5,826	-1,960	6,774	20,917	33,535	51,460	77,712	114,261	152,932
? Additional Paid In Capital										0
? Total Stockholders Equity	49,425	52,186	83,383	92,774	111,062	126,076	143,735	158,158	198,555	237,094
? Total Equity	49,425	52,186	83,383	92,774	111,062	126,076	143,735	158,158	198,555	237,094
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	352,650	424,833	533,629	663,899	798,008	936,714	1,178,770	1,395,639	1,616,876	1,892,503
? Total Investments	168,478	185,290	257,516	291,396	292,838	235,310	296,768	375,292	321,215	241,746
? Total Debt	381	371	278	89	86	49	2,988	2,810	2,183	0
? Net Debt	-32,773	-42,622	-42,799	-30,473	-61,720	-65,136	-146,168	-161,312	-165,209	-126,329
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	1,172	2,822	3,644	8,734	14,143	12,618	17,925	28,518	41,011	43,658
? Depreciation And Amortization	237	166	411	421	888	1,624	2,235	2,549	2,537	880
? Deferred Income Tax	1,233	1,154	1,308	1,821	2,400	7,329	653	-1,333	-2,551	-1,106
? Stock Based Compensation	138	388	554	1,503	1,095	1,540	1,965	2,444	3,218	3,835
? Change In Working Capital	-1,606	1,368	-2,570	-3,527	-3,909	-7,182	697	3,734	-1,464	0
? Accounts Receivables	-321	-123	-1,295	-1,019	613	-1,287	332	-1,571	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	1,569	6,319	3,979	9,428	14,895	15,590	30,079	38,797	42,401	42,212
? Investments In Property Plant And Equipment	-85	-2,666	-190	-569	-647	-3,136	-2,944	-1,236	0	0
? Acquisitions Net	-52,533	-54,461	0	0	0	2,386	-134,835	0	0	0
? Purchases Of Investments	-25,866	-30,688	-59,037	-45,292	-28,284	-38,004	-86,828	-85,831	-28,798	-161,686
? Sales Maturities Of Investments	17,509	20,759	21,522	23,411	31,070	67,089	52,164	26,371	26,176	0
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-308,266
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-2
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-2
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	0
? Net Dividends Paid	0	0	0	0	0	0	0	-2,149	-3,719	-4,846
? Common Dividends Paid										-4,846
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	20,660	69,092	104,896	120,116	112,246	123,231	224,381	197,670	174,090	227,174
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-38,737	9,839	84	-12,515	31,244	3,379	83,971	14,966	1,087	-38,880
? Cash At End Of Period	33,154	42,993	43,077	30,562	61,806	65,185	149,156	164,122	165,209	126,329
? Cash At Beginning Of Period	71,891	33,154	42,993	43,077	30,562	61,806	65,185	149,156	164,122	165,209
? Operating Cash Flow	1,569	6,319	3,979	9,428	14,895	15,590	30,079	38,797	42,401	42,212
? Capital Expenditure	-85	-2,666	-190	-569	-647	-3,136	-2,944	-1,236	-3,004	0
? Free Cash Flow	1,484	3,653	3,789	8,859	14,248	12,454	27,135	37,561	39,397	42,212
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2018	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	28,233.906	46,500.193	38,868.784	77,866.113	108,513.791	124,487.113	136,881.205	151,515.627
Estimated Revenue (High)	42,350.861	69,750.289	58,303.176	89,148.398	113,131.611	124,697.024	137,639.660	151,575.638
Estimated Revenue (Avg)	35,292.384	58,125.241	48,585.980	81,700	110,827.667	124,597.067	137,260.433	151,545.633
Estimated Ebitda (Low)	10,751.200	17,827.700	17,933.405	21,893.963	25,580.359	57,479.385	63,202.104	69,959.250
Estimated Ebitda (High)	16,126.800	26,741.550	26,900.109	32,840.944	38,370.540	57,576.307	63,552.305	69,986.959
Estimated Ebitda (Avg)	13,439	22,284.625	22,416.757	27,367.454	31,975.450	57,530.154	63,377.205	69,973.105
Estimated Net Income (Low)	6,924.544	11,250.250	13,260.446	16,474.530	32,808.798	42,784.235	45,921.258	50,354.100
Estimated Net Income (High)	10,386.816	16,875.375	19,890.669	24,711.795	49,213.200	43,199.595	46,171.709	50,689.760
Estimated Net Income (Avg)	8,655.680	14,062.813	16,575.558	20,593.163	41,011	42,991.915	46,046.484	50,521.930
Estimated SGA Expense (Low)	12,901.632	19,232.850	21,820.766	24,414.835	29,150.105	41,509.837	45,642.609	50,522.411
Estimated SGA Expense (High)	19,352.448	28,849.275	32,731.150	36,622.255	43,725.162	41,579.832	45,895.513	50,542.421
Estimated SGA Expense (Avg)	16,127.040	24,041.063	27,275.958	30,518.545	36,437.634	41,546.501	45,769.061	50,532.416
Estimated EPS (Avg)	1.240	1.650	2.030	3.360	4.550	5.160	5.520	6.050
Estimated EPS (High)	1.350	1.800	2.210	3.760	4.570	5.180	5.530	6.070
Estimated EPS (Low)	1.180	1.570	1.930	3.160	4.520	5.130	5.500	6.030
Number of Analysts (Estimated Revenue)	19	11	10	1	2	2	2	2
Number of Analysts (Estimated EPS)	1	1	1	1	2	2	2	2

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Current Key Metrics

?	Revenue (TTM) :	138.268M	?	P/S (TTM) :	5.27
?	Net Income (TTM) :	43.658M	?	P/E (TTM) :	15.85
?	Enterprise Value (TTM) :	582.57M	?	EV/FCF (TTM) :	14.12
?	Dividend Yield (TTM) :	0.01	?	Payout Ratio (TTM) :	0.11
?	ROE (TTM) :	0.19	?	ROIC (TTM) :	0.17
?	Net Debt (TTM) :	-122832000	?	Debt/Equity (TTM) :	0
?	P/B (TTM) :	2.85	?	Current Ratio (TTM) :	0.25

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
72.02	54.12	43.99	26.58	19.63

SWOT Analysis

No SWOT analysis available for this stock.

ESQ

-0.19

4.97

5.68

29.86

18.69

106.45

477.51

Trading Metrics:

Open:	89.89	Previous Close:	89.47
Day Low:	88.48	Day High:	89.89
Year Low:	45.07	Year High:	93.24
Price Avg 50:	87.05	Price Avg 200:	77.07
Volume:	157812	Average Volume:	76084

ESQ

Esquire Financial Holdings, Inc.

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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