logo
logo
ESQ stock ticker logo

Esquire Financial Holdings, Inc.

NASDAQ•ESQ
CEO: Mr. Andrew C. Sagliocca
セクター: Financial Services
業種: Banks - Regional
上場日: 2017-06-27
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, such as 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 ISO 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. In addition, it offers cash management, cash sweep, online and mobile banking, individual retirement accounts, and working capital lines of credit. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
連絡先情報
100 Jericho Quadrangle, Suite 100, Jericho, NY, 11753, United States
516-535-2002
www.esquirebank.com
時価総額
$907.98M
PER (TTM)
18.2
14.4
配当利回り
0.7%
52週高値
$134.82
52週安値
$69.14
52週レンジ
56%
順位24Top 10.8%
5.7
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.7 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$44.36M+20.03%
直近4四半期の推移

EPS

$1.55+4.03%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Increased 17.1% Nine months net income reached $37.4M, reflecting strong 23.7% growth in Q3 net income to $14.1M.
Commercial Loan Portfolio Grows Net loans held for investment increased 10.7% to $1.53B, driven by $231.3M growth in high-yielding law firm commercial loans YTD.
Capital Ratios Remain Strong Bank capital ratios exceed targets; Total Risk-Based Capital ratio stood at 16.52% as of September 30, 2025.
Core Deposits Fuel Growth Total deposits grew 14.4% to $1.88B, with core deposits representing 99.7% of the total funding base.

リスク要因

Nonperforming Assets Declined Nonperforming assets decreased to $8.6M by September 30, 2025, though the ACL to loan ratio slightly declined to 1.37%.
NIM Faces Rate Headwinds Q3 Net Interest Margin compressed 12 basis points to 6.04% due to elevated interest-earning cash balances impacting yield.
High Litigation Loan Concentration Litigation-Related Loans constitute 64.4% ($996.0M) of the total loan portfolio, indicating significant vertical concentration risk.
Interest Rate Shock Exposure EVE simulation indicates potential significant negative impact on economic value under sustained parallel interest rate increases.

見通し

Focus on Vertical Expansion Future success hinges on leveraging proprietary tech and expanding national litigation and payment processing verticals.
Managing Credit Risk Adequately Management assesses ACL is adequate, despite economic uncertainty, based on current portfolio composition and risk evaluation.
Future HQ Lease Commences Executed a future operating lease commitment of approximately $24M for corporate headquarters, expected to start Q4 2026.
Deposit Funding Strategy Strategy remains focused on coupling lending with unique commercial cash management services for low-cost funding.

同業比較

売上高 (TTM)

DCOM stock ticker logoDCOM
$730.38M
+13.0%
TMP stock ticker logoTMP
$578.95M
+33.5%
MCB stock ticker logoMCB
$527.15M
+7.1%

粗利益率 (最新四半期)

ESQ stock ticker logoESQ
88.8%
+4.0pp
TMP stock ticker logoTMP
85.5%
+0.0pp
OSBC stock ticker logoOSBC
83.2%
+3.3pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
DCOM$1.40B12.47.7%2.4%
AMAL$1.14B10.913.7%1.1%
TMP$1.07B6.619.9%7.6%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
5.6%
安定成長
4四半期純利益CAGR
5.8%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし