Esquire Financial Holdings (ESQ) Stock Analysis & Winston Score

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, including short-term financing for inventory, receivables, the purchase of supplies, or other op

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+20.8% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+3.5% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

16.4%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$222M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Esquire Financial Holdings is a rare growth stock that's already generating positive cash flow while growing at 21%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

88.9%

Premium pricing power — 88.9% gross margin

Operating Margin

37.6%

Excellent — 37.6% operating margin

ROCE

5.7%

Weak — 5.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+20.1%

Fast-growing sales (20.1% YoY)

EPS YoY

+9.5%

Earnings growing (9.5% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

123%

Turns 123% of profit into real cash

FCF Margin

31.9%

Converts sales into free cash efficiently (31.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

3.68x

Tight — interest eats into profit (3.7x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

P/E Ratio (TTM)

19.0x

no trend

Fair value — P/E 19.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.1

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

0.63%

no trend

Small dividend — 0.63% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+15.4%

no trend

Dividend growing fast (15.4% YoY)

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