Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc.

ESQยทNASDAQ

$106.20

-3.4%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$917.51M
EPS6.3000
P/E Ratio16.86
Earnings Date07/23/2026
Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc. Fair Value Envelope

ESQ ยท NASDAQ

Our analysis suggests that ESQ has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $106.2, this represents a potential HIDDEN relative to our calculated worth for Esquire Financial Holdings, Inc..

Intrinsic Value
Current Price: $106.2

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$23.5B
+ Cash & Equivalents$235.9M
Firm Value$23.7B
- Debt$2.6M
Equity Value$23.7B
/ Shares Outstanding8,538,560B
DCF Value$2.8K
UNDERVALUED BY 2516%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$86.8M
$126.0M
$182.8M
$265.2M
$384.8M
$558.4M
$810.2M
$1.2B
$1.7B
$2.5B
Maintenance CapEx
-$917.3K
-$1.3M
-$1.9M
-$2.8M
-$4.1M
-$5.9M
-$8.6M
-$12.4M
-$18.0M
-$26.1M
Owner Earnings
$85.9M
$124.6M
$180.9M
$262.4M
$380.8M
$552.5M
$801.6M
$1.2B
$1.7B
$2.4B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$79.5M
$106.9M
$143.6M
$192.9M
$259.1M
$348.2M
$467.7M
$628.4M
$844.3M
$1.1B
Terminal Value represents 82.1% of Enterprise Value