ESQ Esquire Financial Holdings, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$119.92
· of 52w range
· above low
· to high
$92.1052w low
$134.6552w high
Market Cap (MRQ)
$1.04B
P/E
20.4
EPS
$5.87
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52W Range
$92–$135
Analyst Rating
BUY
Price Target
$130
P/E
20.4
ROE
18.4%
Net Profit Margin
34.7%
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ESQ Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$119.92
Market Cap (MRQ)
$1.04B
P/E
20.4
EPS
$5.87
Div Yield
0.57%
ROE
18.4%
52W Range
$92–$135
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$5.872016-12-31 → 2025-12-31
Free Cash Flow$57M2018-12-31 → 2025-12-31
Net margin34.7%2018-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | ESQ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 20.45Y avg ≈13.9 | ≈13.9 | 12.6 | Overvalued | |
| P/S | 7.05Y avg ≈4.6 | ≈4.6 | 3.9 | Overvalued | |
| P/B (MRQ) | 3.35Y avg ≈2.4 | ≈2.4 | 1.6 | Overvalued | |
| Price / FCF (TTM) | 15.65Y avg ≈11.8 | ≈11.8 | · | · | |
| Price / Cash Flow (TTM) | 15.45Y avg ≈11.5 | ≈11.5 | 10.2 | Overvalued | |
| Price / Tangible Book | 3.55Y avg ≈2.4 | ≈2.4 | · | · | |
| PEG Ratio | ≈0.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | ESQ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 0.83%5Y avg ≈0.81% | ≈0.81% | 2.2% | Weak | |
| Pretax Margin | 44.8%5Y avg ≈44.5% | ≈44.5% | 43.0% | In line | |
| Net Profit Margin | 34.7%5Y avg ≈33.5% | ≈33.5% | 31.8% | In line | |
| ROA | 2.4%5Y avg ≈2.3% | ≈2.3% | 1.2% | Top tier | |
| ROE | 18.4%5Y avg ≈17.9% | ≈17.9% | 12.5% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | ESQ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 17.4%5Y avg ≈23.3% | ≈23.3% | · | · | |
| Revenue CAGR 3Y | 20.3%5Y avg ≈24.8% | ≈24.8% | · | · | |
| Revenue CAGR 5Y | 23.0% | · | · | · | |
| EPS YoY | 14.2%5Y avg ≈30.2% | ≈30.2% | · | · | |
| Net Income YoY | 16.4%5Y avg ≈33.6% | ≈33.6% | · | · | |
| EPS CAGR 3Y | 19.1%5Y avg ≈31.5% | ≈31.5% | · | · | |
| EPS CAGR 5Y | 28.9% | · | · | · | |
| Net Income CAGR 3Y | 21.2%5Y avg ≈34.6% | ≈34.6% | · | · | |
| Net Income CAGR 5Y | 32.1% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | ESQ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.15Y avg ≈0.1 | ≈0.1 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield0.57%
Payout Ratio11.5%
Annualized Payout≈$0.80
Growth Streak≈2
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 14, 2026 | $0.20 | USD | ≈0.61% |
| May 15, 2026 | $0.20 | USD | ≈0.71% |
| Feb 13, 2026 | $0.20 | USD | ≈0.69% |
| Nov 14, 2025 | $0.18 | USD | ≈0.72% |
| Aug 15, 2025 | $0.18 | USD | ≈0.71% |
| May 15, 2025 | $0.18 | USD | ≈0.71% |
| Feb 14, 2025 | $0.18 | USD | ≈0.75% |
| Nov 15, 2024 | $0.15 | USD | ≈0.84% |
| Aug 15, 2024 | $0.15 | USD | ≈1.0% |
| May 14, 2024 | $0.15 | USD | ≈1.1% |
| Feb 14, 2024 | $0.15 | USD | ≈1.1% |
| Nov 14, 2023 | $0.13 | USD | ≈0.99% |
| Aug 14, 2023 | $0.13 | USD | ≈0.91% |
| May 12, 2023 | $0.13 | USD | ≈1.0% |
| Feb 14, 2023 | $0.10 | USD | ≈0.86% |
| Nov 14, 2022 | $0.10 | USD | ≈0.64% |
| Aug 12, 2022 | $0.09 | USD | ≈0.45% |
| May 13, 2022 | $0.09 | USD | ≈0.26% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.05%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $1.60 | $1.59 | 0.88% |
| March 31, 2026 | $1.40 | $1.55 | -9.6% | |
| Dec. 31, 2025 | $1.55 | $1.55 | 0.30% | |
| Sept. 30, 2025 | $1.62 | $1.48 | 9.5% | |
| June 30, 2025 | $1.38 | $1.40 | -1.1% | |
| March 31, 2025 | $1.33 | $1.33 | 0.32% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $8M | $2M | $828.0K | $1M | $3M | $1M | $538.0K | |
| Interest Income | $139M | $113M | $92M | $61M | $45M | $39M | $37M | $29M | $20M | |
| Pretax Income | $66M | $59M | $56M | $39M | $23M | $17M | $19M | $12M | $7M | |
| Income Tax | $15M | $16M | $15M | $10M | $5M | $5M | $5M | $3M | $3M | |
| Net Income | $51M | $44M | $41M | $29M | $18M | $13M | $14M | $9M | $4M | |
| EPS (Basic) | $6.30 | $5.58 | $5.31 | $3.73 | $2.40 | $1.70 | $1.91 | $1.18 | $0.59 | |
| EPS (Diluted) | $5.87 | $5.14 | $4.91 | $3.47 | $2.26 | $1.65 | $1.82 | $1.13 | $0.58 | |
| Shares (Basic) | 8,061,589 | 7,817,626 | 7,716,367 | 7,638,423 | 7,469,907 | 7,412,131 | 7,388,702 | 7,374,013 | 6,163,549 | |
| Shares (Diluted) | 8,662,219 | 8,487,041 | 8,345,586 | 8,213,694 | 7,946,984 | 7,643,823 | 7,784,736 | 7,733,372 | 6,232,244 | |
| EBITDA | $1M | $880.0K | $707.0K | $703.0K | $687.0K | $568.0K | · | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $236M | $126M | $165M | $164M | $149M | $65M | $62M | $31M | $43M | |
| PP&E (Net) | $4M | $2M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| PP&E (Gross) | $12M | $9M | $8M | $7M | $7M | $6M | $6M | $5M | $5M | |
| Accum. Depreciation | $8M | $6M | $5M | $5M | $4M | $3M | $3M | $2M | $2M | |
| Total Assets | $2.37B | $1.89B | $1.62B | $1.40B | $1.18B | $937M | $798M | $664M | $534M | |
| Total Liabilities | $2.08B | $1.66B | $1.42B | $1.24B | $1.04B | $811M | $687M | $571M | $450M | |
| Common Stock | $87.0K | $85.0K | $84.0K | $82.0K | $81.0K | $78.0K | $77.0K | $75.0K | $73.0K | |
| Paid-in Capital | $110M | $104M | $100M | $96M | $94M | $92M | $90M | $89M | $87M | |
| Retained Earnings | $198M | $153M | $114M | $78M | $51M | $34M | $21M | $7M | $-2M | |
| Treasury Stock | $10M | $6M | $2M | $906.0K | $567.0K | $567.0K | · | · | · | |
| AOCI | $-8M | $-14M | $-13M | $-15M | $-850.0K | $1M | $386.0K | $-3M | $-1M | |
| Stockholders' Equity | $290M | $237M | $199M | $158M | $144M | $126M | $111M | $93M | $83M | |
| Liabilities + Equity | $2.37B | $1.89B | $1.62B | $1.40B | $1.18B | $937M | $798M | $664M | $534M | |
| Shares Outstanding | 8,552,405 | 8,354,753 | 8,287,848 | 8,195,333 | 8,088,846 | 7,793,482 | 7,652,170 | 7,532,723 | 7,326,536 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $880.0K | $707.0K | $703.0K | $687.0K | $568.0K | $506.0K | $421.0K | $411.0K | |
| Deferred Tax | $20.0K | $-1M | $-3M | $-1M | $653.0K | $-955.0K | $-116.0K | $-370.0K | $1M | |
| Other Non-cash | $8M | $-1M | $3M | $11M | $11M | $3M | · | · | · | |
| Operating Cash Flow | $60M | $42M | $42M | $39M | $30M | $16M | $16M | $10M | $4M | |
| CapEx | $3M | $714.0K | $605.0K | $73.0K | $1M | $750.0K | $647.0K | $569.0K | $190.0K | |
| Investing Cash Flow | $-362M | $-308M | $-215M | $-222M | $-170M | $-135M | $-97M | $-143M | $-109M | |
| Stock Issued | · | · | · | · | · | · | · | · | $26M | |
| Stock Repurchased | · | · | $286.0K | · | · | $567.0K | · | · | · | |
| Net Stock Activity | · | · | $-286.0K | · | · | $-567.0K | · | · | · | |
| Dividends Paid | $6M | $5M | $4M | $2M | · | · | · | · | · | |
| Financing Cash Flow | $412M | $227M | $174M | $198M | $224M | $123M | $112M | $120M | $105M | |
| Net Change in Cash | · | · | · | · | · | · | · | $-13M | $84.0K | |
| Free Cash Flow | $57M | $41M | $42M | $39M | $29M | $15M | · | $9M | · | |
| Levered FCF | · | · | $36M | $38M | $28M | $14M | · | $8M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.7% | 35.0% | 36.1% | 33.8% | 27.7% | 24.2% | · | 24.5% | · | |
| Pretax Margin | 44.8% | 47.5% | 49.2% | 46.0% | 35.1% | 33.0% | · | 33.5% | · | |
| EBITDA Margin | 0.83% | 0.70% | 0.62% | 0.83% | 1.1% | 1.1% | · | · | · | |
| ROA | 2.4% | 2.5% | 2.7% | 2.2% | 1.7% | 1.5% | · | 1.5% | · | |
| ROE | 18.4% | 18.6% | 21.3% | 18.6% | 12.8% | 10.2% | · | 9.6% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | · | 0.1 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $33.86 | $28.38 | $23.96 | $19.30 | $17.77 | $16.18 | · | $12.32 | · | |
| Revenue / Share | $16.92 | $14.71 | $13.60 | $10.26 | $8.14 | $6.81 | · | $4.60 | · | |
| Cash Flow / Share | $6.91 | $4.97 | $5.08 | $4.72 | $3.79 | $2.04 | · | $1.22 | · | |
| Cash / Share | $27.58 | $15.12 | $19.93 | $20.03 | $18.44 | $8.36 | · | $4.06 | · | |
| Dividend Paid / Share | $0.70 | $0.60 | $0.47 | $0.28 | · | · | · | · | · | |
| EPS (TTM) | $5.87 | $5.14 | $4.91 | $3.47 | $2.26 | $1.65 | $1.82 | $1.13 | $0.58 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 17.4% | 10.0% | 34.7% | 30.2% | 24.3% | · | · | · | · | |
| Revenue CAGR 3Y | 20.3% | 24.5% | 29.6% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 23.0% | · | · | · | · | · | · | · | · | |
| EPS YoY | 14.2% | 4.7% | 41.5% | 53.5% | 37.0% | · | · | · | · | |
| EPS CAGR 3Y | 19.1% | 31.5% | 43.8% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 28.9% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 16.4% | 6.5% | 43.8% | 59.1% | 42.1% | · | · | · | · | |
| Net Income CAGR 3Y | 21.2% | 34.5% | 48.1% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 32.1% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $147M | $125M | $114M | $84M | $65M | $52M | $46M | $36M | $25M | |
| Net Income TTM | $51M | $44M | $41M | $29M | $18M | $13M | $14M | $9M | $4M | |
| Market Cap | $873M | $664M | $414M | $355M | $255M | $150M | · | $163M | · | |
| P/E | 17.4 | 15.5 | 10.2 | 12.5 | 13.9 | 11.6 | 14.3 | 19.2 | 34.0 | |
| P/S | 6.0 | 5.3 | 3.6 | 4.2 | 3.9 | 2.9 | · | 4.6 | · | |
| P/B | 3.0 | 2.8 | 2.1 | 2.2 | 1.8 | 1.2 | · | 1.8 | · | |
| P / Tangible Book | 3.0 | 2.8 | 2.1 | 2.2 | 1.8 | 1.2 | · | · | · | |
| P / Cash Flow | 14.6 | 15.7 | 9.8 | 9.1 | 8.5 | 9.6 | · | 17.3 | · | |
| P / FCF | 15.4 | 16.0 | 9.9 | 9.2 | 8.8 | 10.1 | · | 18.5 | · | |
| Dividend Yield | 0.67% | 0.73% | 0.90% | 0.61% | · | · | · | · | · | |
| Earnings Yield | 5.8% | 6.5% | 9.8% | 8.0% | 7.2% | 8.6% | 7.0% | 5.2% | 2.9% | |
| Payout Ratio | 11.5% | 11.1% | 9.1% | 7.5% | · | · | · | · | · | |
| Annual Payout | $6M | $5M | $4M | $2M | · | · | · | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $3M | $2M | $2M | $1M | $413.0K | $282.0K | $238.0K | |
| Interest Income | $41M | $39M | $38M | $36M | $34M | $32M | $31M | $29M | $27M | $26M | $24M | $22M | $20M | $16M | $14M | $12M | |
| Pretax Income | $18M | $17M | $17M | $17M | $15M | $16M | $16M | $16M | $14M | $14M | $13M | $12M | $17M | $10M | $9M | $7M | |
| Income Tax | $5M | $5M | $4M | $3M | $3M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $4M | $3M | $2M | $2M | |
| Net Income | $13M | $12M | $13M | $14M | $12M | $11M | $12M | $11M | $10M | $10M | $10M | $9M | $12M | $8M | $6M | $5M | |
| EPS (Basic) | $1.57 | $1.48 | $1.65 | $1.74 | $1.48 | $1.43 | $1.50 | $1.45 | $1.34 | $1.29 | $1.27 | $1.18 | $1.58 | $1.01 | $0.83 | $0.70 | |
| EPS (Diluted) | $1.49 | $1.40 | $1.54 | $1.62 | $1.38 | $1.33 | $1.35 | $1.34 | $1.25 | $1.20 | $1.17 | $1.10 | $1.47 | $0.94 | $0.78 | $0.66 | |
| Shares (Basic) | 8,274,280 | 8,252,720 | · | 8,094,441 | 8,029,541 | 7,988,999 | · | 7,815,197 | 7,798,441 | 7,786,887 | 7,717,971 | 7,708,350 | 7,708,745 | 7,637,407 | 7,628,872 | 7,620,241 | |
| Shares (Diluted) | 8,726,355 | 8,700,319 | · | 8,690,130 | 8,639,038 | 8,601,607 | · | 8,503,966 | 8,402,750 | 8,401,752 | 8,379,112 | 8,299,704 | 8,302,633 | 8,226,214 | 8,184,412 | 8,147,475 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $242M | $222M | $236M | $241M | $163M | $173M | $126M | $148M | $153M | $158M | $121M | $106M | $204M | $182M | $155M | $149M | |
| PP&E (Net) | $4M | $4M | $4M | $4M | $4M | $3M | $2M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| PP&E (Gross) | · | · | $12M | · | · | · | $9M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $8M | · | · | · | $6M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $2.51B | $2.42B | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B | $1.65B | $1.48B | $1.45B | $1.45B | $1.35B | $1.31B | $1.24B | |
| Total Liabilities | $2.20B | $2.12B | $2.08B | $1.91B | $1.80B | $1.70B | $1.66B | $1.55B | $1.50B | $1.45B | $1.30B | $1.27B | $1.28B | $1.20B | $1.16B | $1.10B | |
| Common Stock | $88.0K | $88.0K | $87.0K | $87.0K | $86.0K | $85.0K | $85.0K | $84.0K | $84.0K | $84.0K | $83.0K | $82.0K | $82.0K | $81.0K | $81.0K | $81.0K | |
| Paid-in Capital | $114M | $112M | $110M | $109M | $107M | $105M | $104M | $103M | $102M | $101M | $99M | $98M | $97M | $96M | $95M | $94M | |
| Retained Earnings | $220M | $208M | $198M | $186M | $173M | $163M | $153M | $142M | $132M | $123M | $105M | $97M | $89M | $69M | $62M | $57M | |
| Treasury Stock | $10M | $10M | $10M | $6M | $6M | $6M | $6M | $3M | $3M | $3M | $1M | $1M | $1M | $626.0K | $626.0K | $626.0K | |
| AOCI | $-10M | $-9M | $-8M | $-10M | $-11M | $-12M | $-14M | $-10M | $-14M | $-14M | $-17M | $-14M | $-14M | $-16M | $-11M | $-7M | |
| Stockholders' Equity | $314M | $301M | $290M | $279M | $264M | $251M | $237M | $233M | $217M | $207M | $186M | $179M | $171M | $149M | $146M | $143M | |
| Liabilities + Equity | $2.51B | $2.42B | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B | $1.65B | $1.48B | $1.45B | $1.45B | $1.35B | $1.31B | $1.24B | |
| Shares Outstanding | 8,649,400 | 8,637,034 | 8,552,405 | 8,565,491 | 8,499,559 | 8,431,774 | 8,354,753 | 8,320,317 | 8,292,948 | 8,292,789 | 8,203,259 | 8,192,379 | 8,190,758 | 8,082,918 | 8,080,486 | 8,076,320 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15M | $20M | $17M | $17M | $10M | $16M | $12M | $11M | $7M | $13M | $11M | $437.0K | $15M | $12M | $7M | $11M | |
| CapEx | $162.0K | $180.0K | $340.0K | $505.0K | $1M | $1M | $84.0K | $53.0K | $342.0K | $235.0K | $182.0K | $84.0K | $62.0K | $16.0K | $24.0K | $11.0K | |
| Investing Cash Flow | $-70M | $-71M | $-200M | $-35M | $-114M | $-14M | $-135M | $-64M | $-64M | $-45M | $-19M | $-92M | $-10M | $-16M | $-66M | $-73M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | $0 | $18.0K | $268.0K | · | · | · | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | $-268.0K | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $848.0K | $964.0K | $776.0K | $648.0K | · | · | |
| Financing Cash Flow | $75M | $38M | $178M | $96M | $93M | $44M | $102M | $49M | $52M | $25M | $23M | $-6M | $35M | $31M | $65M | $61M | |
| Free Cash Flow | · | $19M | · | · | · | $15M | · | · | · | $13M | · | · | $15M | · | · | $11M | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $10M | · | · | $14M | · | · | $11M |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.8% | 30.2% | · | 37.4% | 33.2% | 33.8% | · | 35.6% | 34.3% | 34.4% | 34.8% | 34.0% | 41.2% | 35.1% | 31.9% | 30.9% | |
| Pretax Margin | 43.0% | 42.3% | · | 46.5% | 42.5% | 46.0% | · | 48.8% | 46.9% | 46.8% | 47.0% | 46.6% | 56.1% | 47.7% | 43.5% | 42.0% | |
| ROA | 0.57% | 0.56% | · | 0.71% | 0.63% | 0.63% | · | 0.70% | 0.69% | 0.65% | 0.70% | · | 0.90% | 0.62% | 0.54% | 0.48% | |
| ROE | 4.5% | 4.4% | · | 5.5% | 4.9% | 5.0% | · | 5.4% | 5.8% | 5.2% | 5.9% | · | 7.8% | 5.4% | 4.5% | 3.9% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $36.29 | $34.88 | · | $32.60 | $31.01 | $29.74 | · | $27.95 | $26.22 | $24.97 | $22.63 | · | $20.85 | $18.38 | $18.01 | $17.75 | |
| Revenue / Share | $4.83 | $4.65 | · | $4.32 | $4.15 | $3.92 | · | $3.75 | $3.64 | $3.48 | $3.37 | $3.23 | $3.56 | $2.67 | $2.43 | $2.12 | |
| Cash Flow / Share | · | $2.24 | · | · | · | $1.84 | · | · | · | $1.52 | · | · | $1.77 | · | · | $1.37 | |
| Cash / Share | $28.00 | $25.73 | · | $28.11 | $19.17 | $20.52 | · | $17.75 | $18.42 | $19.08 | $14.71 | · | $24.88 | $22.53 | $19.21 | $18.44 | |
| Dividend Paid / Share | $0.20 | $0.20 | $0.17 | $0.17 | $0.17 | $0.17 | $0.15 | $0.15 | $0.15 | $0.15 | $0.12 | $0.12 | $0.10 | $0.09 | $0.09 | · | |
| EPS (TTM) | $6.05 | $5.94 | · | $5.68 | $5.40 | $5.27 | · | $4.96 | $4.79 | $4.64 | $4.83 | $4.60 | $4.28 | $3.22 | $2.60 | $2.39 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $160M | $153M | · | $140M | $135M | $129M | · | $121M | $117M | $113M | $110M | $103M | $97M | $76M | $70M | $66M | |
| Net Income TTM | $53M | $52M | · | $49M | $46M | $45M | · | $42M | $40M | $39M | $40M | $38M | $35M | $26M | $21M | $19M | |
| Market Cap | $1.03B | $928M | · | $874M | $805M | $636M | · | $543M | $395M | $394M | $375M | · | $320M | $304M | $269M | $271M | |
| P/E | 19.7 | 18.1 | · | 18.0 | 17.5 | 14.3 | · | 13.1 | 9.9 | 10.2 | 9.5 | 9.9 | 9.1 | 11.7 | 12.8 | 14.1 | |
| P/S | 6.5 | 6.1 | · | 6.2 | 6.0 | 4.9 | · | 4.5 | 3.4 | 3.5 | 3.4 | · | 3.3 | 4.0 | 3.8 | 4.1 | |
| P/B | 3.3 | 3.1 | · | 3.1 | 3.1 | 2.5 | · | 2.3 | 1.8 | 1.9 | 2.0 | · | 1.9 | 2.0 | 1.8 | 1.9 | |
| P / Tangible Book | 3.3 | 3.1 | · | 3.1 | 3.1 | 2.5 | · | 2.3 | 1.8 | 1.9 | 2.0 | · | 1.9 | 2.0 | 1.8 | 1.9 | |
| P / Cash Flow | · | 47.6 | · | · | · | 40.2 | · | · | · | 30.8 | · | · | 21.8 | · | · | 24.4 | |
| Dividend Yield | 0.62% | 0.66% | · | 0.63% | 0.66% | 0.80% | · | 0.86% | 1.1% | 1.1% | 0.90% | · | · | · | · | · | |
| Earnings Yield | 5.1% | 5.5% | · | 5.6% | 5.7% | 7.0% | · | 7.6% | 10.1% | 9.8% | 10.6% | 10.1% | 10.9% | 8.6% | 7.8% | 7.1% | |
| Payout Ratio | · | 13.6% | · | · | · | 12.3% | · | · | · | 11.8% | · | · | 6.4% | · | · | · | |
| Annual Payout | $6M | $6M | · | $6M | $5M | $5M | · | $5M | $4M | $4M | $3M | $3M | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $51M | $44M | $41M | $29M | $18M |
| Diluted EPS | $5.87 | $5.14 | $4.91 | $3.47 | $2.26 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $57M | $41M | $42M | $39M | $29M |
Institutional owners (13F) 177 filers · $749.5M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
177
Value held
$749.5M
New positions
20
Exited positions
17
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 20 (-7 vs prior Q) | 17 (+4 vs prior Q) | 70 (+15 vs prior Q) | 48 (-2 vs prior Q) | -28K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $71,659,426 | 601,624 | 9.56% | Shares |
| Mawer Investment Management Ltd. | $69,544,875 | 583,871 | 9.28% | Shares |
| VANGUARD GROUP INC | $45,990,394 | 450,577 | 6.14% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $44,001,140 | 369,416 | 5.87% | Shares |
| STATE STREET CORP | $42,020,460 | 352,787 | 5.61% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $37,771,210 | 317,112 | 5.04% | Shares |
| WASATCH ADVISORS LP | $36,984,945 | 344,046 | 4.93% | Shares |
| Copeland Capital Management, LLC | $35,320,318 | 296,535 | 4.71% | Shares |
| AMERICAN CENTURY COMPANIES INC | $29,263,540 | 245,685 | 3.90% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $28,863,618 | 242,287 | 3.85% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $24,381,440 | 204,697 | 3.25% | Shares |
| Langdon Equity Partners | $22,511,790 | 189,000 | 3.00% | Shares |
| ROYCE & ASSOCIATES LP | $20,508,002 | 172,177 | 2.74% | Shares |
| NORTHERN TRUST CORP | $14,693,411 | 123,360 | 1.96% | Shares |
| Gator Capital Management, LLC | $12,017,723 | 100,896 | 1.60% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $10,762,899 | 90,361 | 1.44% | Shares |
| MORGAN STANLEY | $10,433,739 | 87,597 | 1.39% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $9,481,156 | 79,600 | 1.26% | Shares |
| ALLIANCEBERNSTEIN L.P. | $8,294,378 | 77,157 | 1.11% | Shares |
| GOLDMAN SACHS GROUP INC | $8,020,153 | 67,334 | 1.07% | Shares |
| Granite Investment Partners, LLC | $7,302,158 | 61,306 | 0.97% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,781,051 | 56,931 | 0.90% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,920,243 | 49,704 | 0.79% | Shares |
| ENVESTNET ASSET MANAGEMENT INC | $5,766,122 | 48,410 | 0.77% | Shares |
| TWO SIGMA INVESTMENTS, LP | $5,518,485 | 46,331 | 0.74% | Shares |
| UBS Group AG | $5,187,479 | 43,552 | 0.69% | Shares |
| Uniplan Investment Counsel, Inc. | $4,953,523 | 41,587 | 0.66% | Shares |
| RAYMOND JAMES FINANCIAL INC | $4,740,101 | 39,796 | 0.63% | Shares |
| Squarepoint Ops LLC | $4,736,886 | 39,769 | 0.63% | Shares |
| Numerai GP LLC | $4,362,642 | 36,627 | 0.58% | Shares |
| Russell Investments Group, Ltd. | $4,320,450 | 36,272 | 0.58% | Shares |
| FIRST MANHATTAN CO. LLC. | $4,279,384 | 35,928 | 0.57% | Shares |
| Horizon Investment Services, LLC | $4,228,546 | 35,501 | 0.56% | Shares |
| Bank of New York Mellon Corp | $4,042,557 | 33,940 | 0.54% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $3,714,683 | 31,187 | 0.50% | Shares |
| RBF Capital, LLC | $3,573,300 | 30,000 | 0.48% | Shares |
| Cox Capital Mgt LLC | $3,224,205 | 27,069 | 0.43% | Shares |
| CITADEL ADVISORS LLC | $3,110,438 | 26,114 | 0.41% | Shares |
| Nuveen, LLC | $3,064,701 | 25,730 | 0.41% | Shares |
| Pembroke Management, LTD | $2,902,711 | 24,370 | 0.39% | Shares |
| MARSHALL WACE, LLP | $2,508,338 | 21,059 | 0.33% | Shares |
| JPMORGAN CHASE & CO | $2,500,996 | 21,061 | 0.33% | Shares |
| BANK OF AMERICA CORP /DE/ | $2,457,954 | 20,636 | 0.33% | Shares |
| STIFEL FINANCIAL CORP | $2,440,119 | 20,486 | 0.33% | Shares |
| SEI INVESTMENTS CO | $2,395,454 | 20,116 | 0.32% | Shares |
| ROYAL BANK OF CANADA | $2,301,000 | 19,315 | 0.31% | Shares |
| EMERALD MUTUAL FUND ADVISERS TRUST | $2,205,083 | 18,513 | 0.29% | Shares |
| XTX Topco Ltd | $2,182,929 | 18,327 | 0.29% | Shares |
| WELLS FARGO & COMPANY/MN | $2,166,611 | 18,190 | 0.29% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $2,147,554 | 18,030 | 0.29% | Shares |
Company insiders 23 insiders · 7 officers · 19 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Andrew C Sagliocca | Vice Chairman, President & CEO | Sept. 18, 2026 S | 288,798 | 0 | 1 | $-1,227,300 |
| Michael Lacapria | SVP & Chief Financial Officer | Jan. 29, 2026 A | 17,606 | 0 | 0 | $0 |
| Michael G O'Rourke | President of Chicago Bank Div | Sept. 14, 2026 M | 72,679 | 0 | 0 | $0 |
| Eric S Bader | EVP and COO | Jan. 29, 2026 A | 139,116 | 0 | 0 | $0 |
| Ari P Kornhaber | EVP and Head of Corp Dev | Jan. 29, 2026 A | 119,792 | 0 | 0 | $0 |
| Parag Tandon | Chief Acctg Off and Controller | Oct. 27, 2022 M | 9,750 | 0 | 0 | $0 |
| Dennis Shields | Exec Chairman of the Board | Jan. 23, 2018 A | 113,048 | 0 | 0 | $0 |
| Richard T Powers | Director | Aug. 25, 2026 G | 6,853 | 0 | 1 | $-241,925 |
| Anthony Coelho | Director | Aug. 7, 2026 M | 67,365 | 0 | 0 | $0 |
| Leonard Caronia | Director | Aug. 4, 2026 M | 100,761 | 0 | 0 | $0 |
| Robert Mitzman | Director | July 30, 2026 S | 139,679 | 0 | 1 | $-388,800 |
| Selig Zises | Director | March 19, 2026 S | 63,533 | 0 | 12 | $-3,189,050 |
| Raymond Francis Kelly | Director | Dec. 10, 2025 A | 753 | 0 | 0 | $0 |
| Rena Nigam | Director | Dec. 10, 2025 A | 2,620 | 0 | 0 | $0 |
| Joseph Melohn | Director | Dec. 10, 2025 A | 4,436 | 0 | 0 | $0 |
| Kevin C Waterhouse | Director | Dec. 10, 2025 A | 87,352 | 0 | 0 | $0 |
| Todd Deutsch | Director | Dec. 10, 2025 A | 72,401 | 0 | 0 | $0 |
| Marc D Grossman | Director | Dec. 19, 2022 A | 9,099 | 0 | 0 | $0 |
| Russ M Herman | Director | Dec. 19, 2022 A | 69,396 | 0 | 0 | $0 |
| Janet Hill | Director | Dec. 9, 2021 A | 11,980 | 0 | 0 | $0 |
| John B Morgan | Director | Dec. 10, 2018 A | · | 0 | 0 | $0 |
| James F. Deutsch | Director | Dec. 10, 2018 A | 44,500 | 0 | 0 | $0 |
| Jack T Thompson | Director | March 15, 2018 D | · | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 29 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| DPST · Direxion Shares ETF Trust | 0.30% | 9,780 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.21% | 24,970 SH | Sept. 11, 2026 | Daily |
| VFMO · VANGUARD WELLINGTON FUND | 0.06% | 10,876 SH | Aug. 19, 2026 | Daily |
| IWO · iShares Trust | 0.06% | 69,963 SH | Sept. 11, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.05% | 7,857 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.05% | 1,109 SH | Oct. 2, 2026 | Daily |
| ISCG · iShares Trust | 0.03% | 2,516 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.03% | 3,516 NS | July 31, 2026 | N-PORT |
| VFMF · VANGUARD WELLINGTON FUND | 0.03% | 1,504 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.03% | 42,234 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.03% | 187,313 SH | Sept. 11, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.02% | 28,735 NS | July 31, 2026 | N-PORT |
| VFQY · VANGUARD WELLINGTON FUND | 0.02% | 900 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 1,987 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 77,705 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 12,340 SH | Aug. 19, 2026 | Daily |
| WSML · iShares Trust | 0.01% | 447 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.01% | 335 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 17,557 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 680 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,168 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 2,490 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 334 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,553 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 12,015 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.00% | 2,360 SH | Sept. 4, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 232,139 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 594 SH | Aug. 19, 2026 | Daily |
| ISCB · iShares Trust | · | 342 SH | Sept. 11, 2026 | Daily |
ESQ Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$125.00
+4.2%
2 28.6%
Strong Buy
3 42.9%
Buy
2 28.6%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-09-20Mean target $130.00 +8.4%
← Below all targets
Current price $119.92
Low$125.00
Mean$130.00
High$140.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ESQ | $873M | 17.4 | 17.4% | 34.7% | 18.4% | · |
| CASH | · | 9.4 | 5.3% | 22.1% | 22.1% | · |
| CNOB | · | · | · | · | · | · |
| TFIN | $1.49B | 67.3 | 5.6% | 5.8% | 2.7% | · |
| LKFN | $1.44B | 14.2 | 6.1% | 38.4% | 14.3% | · |
| AMAL | $955M | 9.4 | 4.1% | 31.8% | 13.5% | · |
| BHRB | $936M | 8.1 | 30.6% | 34.3% | 14.3% | · |
| CTBI | $1.02B | 10.4 | 13.7% | 34.7% | 11.8% | · |
| WABC | $1.18B | 10.6 | -12.2% | 45.0% | 12.5% | · |
| PEBO | · | 10.0 | 2.3% | 123.1% | 9.0% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
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Source: SEC 10-Q filed Aug 10, 2026