Esquire Financial Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Esquire Financial Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$36Sales grew 74% in 3 years; of every extra $100 of sales, $36 became extra profit.
Higher than 63% of Financial Services companies in United States.
Asset Productivity Ratio
+74% / +70%In 3 years sales changed by +74% while total assets changed by +70%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Esquire Financial Holdings, Inc. owes $0.88 for every $1 it owns. Net profit rose 16% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
20.4Investors pay $20.4 for every $1 of Esquire Financial Holdings, Inc.'s yearly profit, higher than 76% of Financial Services companies in United States.
P/B ratio
4.76The share price is 4.76 times Esquire Financial Holdings, Inc.'s book value per share, higher than 92% of Financial Services companies in United States.
Market cap
$1.5 BThe total market value of all of Esquire Financial Holdings, Inc.'s shares at today's price (share price × number of shares), larger than 62% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$314 MWhat Esquire Financial Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$25.93Net worth divided by the number of shares. The share price of $123.54 is 4.8 times this, which is the P/B above.
Return on equity (ROE)
18.3%Esquire Financial Holdings, Inc. earned 18.3% on its shareholders' money over the last year, higher than 83% of Financial Services companies in United States.
Owes vs Owns
0.88×Esquire Financial Holdings, Inc. owes $0.88 for every $1 it owns (high), higher than 63% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.65%Esquire Financial Holdings, Inc. pays 0.65% of its share price as dividends a year, lower than 95% of dividend-paying Financial Services companies in United States.
Revenue growth
+17%Revenue rose 17% in the year to Dec 2025, and grew 20% a year on average over 3 years.
Profit growth
+16%Net profit rose 16% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Profit margin
34.7%Esquire Financial Holdings, Inc. keeps $35 of every $100 of revenue as net profit.
Questions
What is Esquire Financial Holdings, Inc.'s P/E ratio?
Investors pay $20.4 for every $1 of Esquire Financial Holdings, Inc.'s yearly profit, higher than 76% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Esquire Financial Holdings, Inc.: $1.5 B ÷ $314 M (30 Jun 2026) = 4.8.
What is Esquire Financial Holdings, Inc.'s return on equity?
Esquire Financial Holdings, Inc. earned 18.3% on its shareholders' money over the last year, higher than 83% of Financial Services companies in United States.
How much does Esquire Financial Holdings, Inc. owe compared with what it owns?
Esquire Financial Holdings, Inc. owes $0.88 for every $1 it owns (high), higher than 63% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Esquire Financial Holdings, Inc. pay a dividend?
Yes. Esquire Financial Holdings, Inc. pays 0.65% of its share price as dividends a year, lower than 95% of dividend-paying Financial Services companies in United States.
Is Esquire Financial Holdings, Inc.'s revenue growing?
Revenue rose 17% in the year to Dec 2025, and grew 20% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.