Esquire Financial Holdings, Inc. (ESQ) is a Banks - Regional company in the Financial Services sector, currently trading at $113.53. It has a SharesGrow Score of 81/100, indicating a strong investment profile with 6 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of ESQ = $153.58 (+35.3% from the current price, the stock appears undervalued). Analyst consensus target is ESQ = $121 (+6.1% upside).
Valuation: ESQ trades at a trailing Price-to-Earnings (P/E) of 19.6 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.98.
Financials: revenue is $164M, +24.7%/yr average growth. Net income is $51M, growing at +22.2%/yr. Net profit margin is 30.9% (strong). Gross margin is 85% (-9.8 pp trend).
Balance sheet: total debt is $3M against $290M equity (Debt-to-Equity (D/E) ratio 0.01, conservative). Current ratio is 488.25 (strong liquidity). Debt-to-assets is 0.1%. Total assets: $2.4B.
Analyst outlook: 3 / 4 analysts rate ESQ as buy (75%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 64/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 83/100 (Pass), Moat 49/100 (Partial), Future 73/100 (Pass), Income 100/100 (Pass).
