Esquire Financial Holdings, Inc. (ESQ)

Over the past six months, Esquire Financial Holdings, Inc. (ESQ) stock price has experienced a 15.79% increase, with a 52-week high of $134.82 and a low of $43.24. The company declared regular quarterly dividends of $0.175 per share on multiple occasions. The company reported its third-quarter 2025 results on October 23, 2025, with $1.47 EPS, exceeding analysts' estimates, and revenue of $37.57 million, also exceeding estimates. Piper Sandler raised their target price for ESQ from $113.00 to $116.00 and maintained an "overweight" rating, while Wall Street Zen lowered its rating from "hold" to "sell". In September 2025, an analyst downgraded Esquire Financial Holdings to a "Hold" rating, citing stretched valuation despite strong fundamentals and exceptional returns. In December 2025, another analysis maintained a "Hold" rating due to expensive valuation, even with continued growth and robust asset quality. Esquire Financial Holdings was named to Piper Sandler's 2025 Bank & Thrift Sm-All Stars list on December 10, 2025.

Esquire Financial Holdings, Inc. serves the litigation industry and the small business payment processing vertical. Demand for financial solutions in the litigation market may be tied to the legal cycle. The payment processing market experiences consistent growth, with a compound annual rate of approximately 10% from 2020 to 2024, suggesting stable demand for Esquire's payment processing services. The company's diversified approach across these two verticals aims to mitigate potential seasonality in either specific area.

Esquire Financial Holdings, Inc. operates as a financial holding company through its subsidiary, Esquire Bank, N.A., providing commercial banking products and services. The company focuses on serving the legal industry and small businesses nationally, as well as commercial and retail customers in the New York metropolitan market. The company operates within the Financials sector and the Banks - Regional industry, offering commercial banking services, payment processing solutions, deposit products, loan products, merchant services, and other banking services.

Esquire Financial Holdings, Inc. is headquartered in Jericho, New York, with a branch office in Jericho and an administrative office in Boca Raton, Florida. In 2025, it expanded to Los Angeles, California, with its first full-service banking location. The company serves the litigation industry and small businesses nationally, with lending clients in 31 states. New York, California, Texas, Pennsylvania, and Florida represent 71% of its law firm loan portfolio.

Esquire Financial Holdings, Inc. has received positive recognition in the past year, highlighting its strong performance and unique business model. In November 2024, Esquire Financial Holdings was named to Fortune's annual 100 Fastest-Growing Companies list, ranking No. 55 overall and being one of only four commercial banks included. The company was recognized as a "Best-Performing U.S. Community Bank of 2024" by S&P Global Market Intelligence. Accolades from the business community in 2024 consistently highlighted Esquire's growth and industry-leading performance, including strong returns on average assets and equity, and a high net interest margin. No significant negative events impacting Esquire Financial Holdings, Inc.'s brand reputation in the past year were found in the provided search results.

Esquire Financial Holdings, Inc. has a diverse ownership structure, with institutional shareholders holding 67.78% of the stock, insiders owning 33.14%, and retail investors holding 0.00%. Major institutional owners include Mawer Investment Management Ltd., BlackRock, Inc., and Vanguard Group Inc. The largest individual shareholder is Jack T. Thompson, who owns 1.06 million shares, representing 12.41% of the company.