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Esquire Financial Holdings Inc. (ESQ) 12-Month Stock Forecast & Price Target Cone

$124.96 -2.15% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $124.24

Esquire Financial Holdings Inc. (ESQ) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $1.55B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ESQ Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ESQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Esquire Financial Holdings Inc. (NASDAQ: ESQ) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $124.96 (-2.15% 1D, market cap $1.55B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, ESQ ranks #409 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ESQ compare to INTR and BLX in the Financials sector?

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Within the Financials sector (Commercial Banks), ESQ carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, INTR (Inter & Co. Inc. (Class A)) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $1.84B) and BLX (Bladex Inc. Class E) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $1.98B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ESQ?

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Per ESQ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001531031), Esquire Financial Holdings Inc. generated $0 in revenue, $0 in net income, and $56.7M in free cash flow against $2.37B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $124.24 (-0.58%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 1.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ESQ)Realized 20D OHLCV Swing Band: ±6.4%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY ESQ SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±6.4% realized swing band)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 1.4% FCF Margin ($56.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$121.18-3.7% Next Q

Q2 (-2Q)

Grade C$116.73+6.1% Next Q

Q3 (-1Q)

Grade C$123.84+0.9% Next Q

Current

Grade C-$124.96+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ESQ Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, ESQ faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($119.59) or 200D SMA ($114.50) invalidates the momentum regime and cuts Target Base ($126.65) toward Bear Floor ($98.79).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ESQ• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ESQ Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your ESQ Position Size: $10,000

Shares at $124.96: 80.0 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $98.79

$7,906

$-2,094 (-20.9%)

12M Consensus BaseTarget $126.65

$10,135

+$135 (+1.4%)

12M Bull Case BreakoutTarget $149.45

$11,960

+$1,960 (+19.6%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$132	74%	A
Goldman SachsSector Coverage Lead	BUY	$140	69%	B
JP MorganUS Large-Cap Research	HOLD	$113	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ESQ Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ESQ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.31%▲ ASCENDING TRIANGLE

2026-11-02O $128.8H $128.8L $125.0C $125.0VOL 130.1K

RES: $133.0SUP: $115.9SMA50: $119.6SMA200: $114.5

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ESQ Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ESQ Butterfly Map → + Track ESQ →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ESQ today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ESQ. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ESQ today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ESQ)

Financials Rank #409 of 1096 ⚔️ INTR vs ESQ Full Matrix →

1. Head-to-Head Financials Peer Comparison (ESQ vs. INTR, BLX, NTB, BBAR)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Esquire Financial Holdings Inc. (ESQ) ranks #409 by composite RQD confidence (61/100, grade C-) and #477 by equity capitalization ($1.55B). Within this direct 5-issuer industry benchmark cohort, NTB leads on earnings valuation at 9.9x trailing P/E, while NTB leads on capital efficiency and profitability with 20.3% ROIC and — gross margin. NTB currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with ESQ at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ESQ ACTIVE Esquire Financial Holdings Inc.	C-	61/100	—	—	—	-2.15%	$1.55B	Benchmark Subject
INTR Inter & Co. Inc. (Class A)	D	45/100	—	—	—	-3.84%	$1.84B	/intr-vs-esq →
BLX Bladex Inc. Class E	D	48/100	—	—	—	-6.92%	$1.98B	/blx-vs-esq →
NTB Bank of N.T. Butterfield & Son Limited Voting	C+	67/100	9.9x	—	20.3%	-2.01%	$2.29B	/ntb-vs-esq →
BBAR Banco BBVA Argentina S.A. ADS	D-	43/100	—	—	—	-2.76%	$2.44B	/bbar-vs-esq →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001531031

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Esquire Financial Holdings Inc. (ESQ) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $0, operating cash flow of $59.8M, and free cash flow of $56.7M (+36.6% YoY). On the balance sheet, ESQ closed FY2025 with $2.37B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$0	$59.8M	$56.7M	$2.37B	—
FY2024 (FY)	2024-12-31	$0	$0	$42.2M	$41.5M	$1.89B	—

3. ESQ Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ESQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ESQ compare to INTR and BLX in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ESQ?

Where is ESQ trading relative to its 50-day, 200-day, and 52-week technical levels?

ESQ last traded at $124.96 (-2.15% on volume of 140,693 shares), positioning the stock +4.49% above its 50-day simple moving average ($119.59) and +9.14% above its 200-day simple moving average ($114.50). Across its 52-week range of $92.10 to $134.82, ESQ sits at the 76.9% percentile with a 14-day RSI of 61.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.4% ($116.96 to $132.96).

ESQ Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ESQ's 12-month stock price target?

Esquire Financial Holdings Inc. (ESQ) carries a 12-month consensus base price target of $126.65 (+1.4% from $124.96), with a bull-case target of $149.45 and a bear-case floor of $98.79.

Is ESQ stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates ESQ C- (Hold — HOLD) with an RQD Confidence score of 61/100.

Direct Sub-Reports: ESQ RQD Cockpit ESQ 12M Forecast ESQ Earnings & Move ESQ Dividends & DRIP ESQ Insiders & 13F ESQ Whale Options ESQ Profit Sankey ESQ News & Why

ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ESQ — Esquire Financial Holdings Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:28:46Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ESQ scores 61 out of 100 with a letter grade of C- and a verdict of "Roarable Hold — Cautious Neutral." The fundamental cash engine pillar scores 14 of 20, reflecting an ROIC of 0% and an FCF yield of 3.67%; for a prospective investor, the cash-generation signal is present but not strong, and the 0% ROIC means the source data does not show the business earning a return on invested capital. The whale/13F flow pillar scores 15 of 20, indicating institutional accumulation and options positioning that are constructive but not dominant. The insider conviction pillar scores 10 of 20 on SEC Form 4 and Congressional PTR cluster flow, a weaker read that offers less confirmation of management or insider confidence. The macro regime fit pillar scores 12 of 20 with a beta of 1.0, meaning the stock is rated as moving in line with the broader market, with sector sensitivity a factor in the score. The forensic balance sheet pillar scores 10 of 20, with an Altman Z-Score of 2.5, a Piotroski F-Score of 2 out of 9, and a Debt/Equity ratio of 0.5; the low Piotroski reading is the most notable caution in the rating. Taken together, the rating points to a cautious neutral posture: the upside drivers are institutional positioning and cash flow yield, while the valuation tradeoff is hard to assess because earnings multiples are not available in source data, and the weak Piotroski reading and zero reported ROIC are the main reasons the rating stops short of a stronger view.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025 (filed 2025-12-31)	$0.0M	$0.0M	$0.0M	N/A	$56.7M	$235.9M	N/A
FY 2024 (filed 2024-12-31)	$0.0M	$0.0M	$0.0M	N/A	$41.5M	$126.3M	N/A

Per the SEC financials, reported revenue, operating income, and net income are all shown as $0.0M, and margins are reported as 0%, so profitability cannot be assessed from these fields. Free cash flow rose from $41.5M in FY 2024 to $56.7M in FY 2025, and cash increased from $126.3M to $235.9M over the same period. Per the Roarable RQD rating and market data, ROIC is 0%, the Altman Z-Score is 2.5, the Piotroski F-Score is 2 out of 9, and Debt/Equity is 0.5. Debt is reported as N/A in the financials, so the source data does not show absolute debt levels.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, six headlines were published in the recent window, all rated YELLOW and labeled MARKET WIRE:

A Yahoo Finance report headlined that ESQ surpassed Q3 earnings and revenue estimates.
A Seeking Alpha report characterized ESQ as a quality, niche small-cap bank with a premium valuation.
A Yahoo Finance report asked whether ESQ can run higher on rising earnings estimates.
A Stock Titan report noted a dividend payment to shareholders on Dec. 1 at 20 cents per share.
A TradingView report noted a $0.20 quarterly dividend declaration.
A Simply Wall St report described ESQ stock slipping as Q3 earnings face margin questions.

Risk watch items in the news flow center on margin questions alongside the earnings beat, which the source data presents as a mixed read. The dividend declarations are a recurring, positive capital return signal. Per the Butterfly Supply-Chain Graph, no proprietary signals or supply-chain links are present.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE, with no butterfly links and no proprietary signals. Not available in source data for upstream or downstream dependencies. Sector context is limited to the Financials sector and Commercial Banks industry. The source data does not establish sector correlations or second-order bottlenecks. A prospective investor should watch how margin pressure, referenced in the news flow, interacts with the Commercial Banks industry's macro sensitivity, though the source data does not quantify this relationship.

Open Questions

What are ESQ's reported revenue, net income, and EPS, given that the financials show $0.0M and N/A values?
What are the TTM and forward P/E and EV/EBITDA multiples, which are absent from the market data?
What is the composition of the debt position, since reported debt is N/A despite a Debt/Equity ratio of 0.5?
What is the source and magnitude of the margin questions cited in the Q3 news coverage?
What institutional holder names and position sizes sit behind the whale/13F pillar score, given that holder data is absent?

ESQ Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Esquire Financial Holdings Inc. (ESQ) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ESQ Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 14h ago

Esquire Financial Holdings, Inc. (ESQ) Surpasses Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 17h ago

Esquire Financial Holdings: A Quality, Niche Small-Cap Bank With A Premium Valuation

Seeking Alpha report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 20h ago

Can Esquire Financial (ESQ) Run Higher on Rising Earnings Estimates?

Yahoo Finance report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 23h ago

On Dec. 1, Esquire Financial shareholders receive 20 cents per share.

Stock Titan report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Esquire Financial Holdings Declares $0.20 Quarterly Dividend

TradingView report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Esquire Financial (ESQ) Stock Slips As Q3 Earnings Face Margin Questions

Simply Wall St report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Esquire Financial Holdings' Strong Growth Is Impressive, But Not Upgrade-Worthy (ESQ)

Seeking Alpha report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Esquire Financial Holdings, Inc. (ESQ) Reports Next Week: Wall Street Expects Earnings Growth

Yahoo Finance report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ESQ Bull vs. Bear Conversation Board — What's Your Call at $124.96?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ESQ 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $137.92 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ESQ (C- • RQD 61/100) a Buy at $127.70?

Welcome to the ESQ (Esquire Financial Holdings Inc.) Roar Pit. Current RQD Composite is 61/100 (Roarable Hold — Cautious Neutral) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $99.61 (-22.0%)

Spot @ $127.70

Pump the brakes on ESQ — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ESQ, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Esquire Financial Holdings Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $153.24 (+20.0%)

Spot @ $127.70

ESQ cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ESQ, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $127.70 (52-wk range $92.10 - $134.82), any beat on forward guidance forces shorts and underweight funds to chase.