Esquire Financial Holdings

ESQ · NASDAQ

$119.21+$2.48 (+2.12%)TodayMarket closed · Oct 20, 7:57 PM ET

Prev close $116.73

ESQ analyst rating

BuyConsensus of 3 analysts over the last 12 months. 67% rate it a buy.

Strong buy1
Buy1
Hold1
Underperform0
Sell0

12-month price target · 4 analysts

Average $132.60 (+11.2% upside)

Low: $126.25
Now: $119.21
High: $147.00

Upgrades and downgrades

The latest rating actions, newest first

ESQ analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Raymond James	Mar 13, 2026	Upgrade	Market Perform → Strong Buy	$125.00	59%
Keefe, Bruyette & Woods	Jan 23, 2026	Maintains	Market Perform	$115.00 → $120.00	68%
Piper Sandler	Oct 29, 2025	Maintains	Overweight	$113.00 → $116.00	68%

The case for and against

Updated Jan 12, 2026

Bull case

Esquire Financial Holdings Inc. has demonstrated strong regulatory capital with its Total Risk-Based Capital (RBC) and Common Equity Tier 1 (CET1) ratios increasing approximately 40 basis points sequentially, reaching 16.52% and 15.27%, respectively. The company's net interest income (NII) surpassed expectations, reflecting a 7.1% quarter-over-quarter increase supported by higher average earning asset (AEA) balances and an improved AEA yield, which is expected to bolster overall financial performance. Furthermore, robust loan growth of 14% annualized in the third quarter, alongside a significant 22% increase in end-of-period deposits, underpins a positive outlook for the company's lending activities and overall financial health moving forward.

Bear case

Esquire Financial Holdings Inc. has faced a decline in noninterest income, which decreased by 0.1% quarter-over-quarter, with projections indicating a further decrease of 1% in 2025 and only modest growth of 7% in 2026. The company is also contending with risks that could hinder its earnings outlook, including potential slowdowns in its litigation business, fraud within its merchant services, cybersecurity threats, and credit deterioration in its New York-centric commercial real estate portfolio. Furthermore, a negative impact on net interest margin (NIM) of approximately 10 basis points has been attributed to excess cash, raising concerns about the company's ability to effectively utilize its capital for growth.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.