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

$124.33 -0.50% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $123.98

Esquire Financial Holdings Inc. (ESQ) carries a Roarable Rating of C- (Hold) with 60/100 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.

ROARABLE C- • HOLD / WATCH Cap $1.51B
📤 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 2026-11-03, Esquire Financial Holdings Inc. (NASDAQ: ESQ) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $124.33 (-0.50% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, ESQ ranks #394 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- (60/100 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 $1.77B) and BLX (Bladex Inc. Class E) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $1.84B). 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 $993.6M in revenue (+25.0% YoY), $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: Established market leader in Financials with deep daily trading liquidity. 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: $123.98 (-0.28%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 5.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
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+
Cash (14)Whales (14)SEC (10)Macro (12)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$148 Bull$125 Base$98 Bear
📬 FREE ESQ RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ESQ)Realized 20D OHLCV Swing Band: ±6.2%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY ESQ SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 5.7% FCF Margin ($56.7M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±6.2% realized swing band)

▼ #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)
52
Grade C-$120.18-0.8% Next Q
Q2 (-2Q)
55
Grade C$119.21+8.8% Next Q
Q3 (-1Q)
57
Grade C$129.70-4.1% Next Q
Current
60
Grade C-$124.33+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)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 60/100 (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 ($119.79) or 200D SMA ($114.59) invalidates the momentum regime and cuts Target Base ($125.45) toward Bear Floor ($97.85).

🎲 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 60%NO 40%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

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

Shares at $124.33: 80.4 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $97.85
$7,870
$-2,130 (-21.3%)
12M Consensus BaseTarget $125.45
$10,090
+$90 (+0.9%)
12M Bull Case BreakoutTarget $148.03
$11,906
+$1,906 (+19.1%)

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

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$13074%A
Goldman SachsSector Coverage LeadBUY$13969%B
JP MorganUS Large-Cap ResearchHOLD$11258%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: +17.71%▲ ASCENDING TRIANGLE
2026-11-03O $127.7H $127.7L $124.3C $124.3VOL 140.7K
RES: $133.0SUP: $116.0SMA50: $119.8SMA200: $114.6
$136.8$127.8$118.7$109.7$100.7RES $133.0SUP $116.0$124.32026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +25.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #394 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Esquire Financial Holdings Inc. (ESQ) ranks #394 by composite RQD confidence (60/100, grade C-) and #481 by equity capitalization ($1.51B). 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 63/100 (C) compared with ESQ at 60/100 (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- 60/100 — — — -0.50% $1.51B Benchmark Subject
INTR
Inter & Co. Inc. (Class A)
D 45/100 — — — +0.50% $1.77B /intr-vs-esq →
BLX
Bladex Inc. Class E
D- 43/100 — — — +3.62% $1.84B /blx-vs-esq →
NTB
Bank of N.T. Butterfield & Son Limited Voting
C 63/100 9.9x — 20.3% +0.41% $2.25B /ntb-vs-esq →
BBAR
Banco BBVA Argentina S.A. ADS
D- 43/100 — — — -2.84% $2.37B /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 $993.6M (+25.0% vs. FY2024 revenue of $794.9M ) , 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 $993.6M $0 $59.8M $56.7M $2.37B —
FY2024 (FY) 2024-12-31 $794.9M $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?

As of 2026-11-03, Esquire Financial Holdings Inc. (NASDAQ: ESQ) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $124.33 (-0.50% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, ESQ ranks #394 in composite RQD confidence.

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

Within the Financials sector (Commercial Banks), ESQ carries a Roarable C- (60/100 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 $1.77B) and BLX (Bladex Inc. Class E) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $1.84B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

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

Per ESQ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001531031), Esquire Financial Holdings Inc. generated $993.6M in revenue (+25.0% YoY), $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: Established market leader in Financials with deep daily trading liquidity. 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.

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

ESQ last traded at $124.33 (-0.50% on volume of 179,025 shares), positioning the stock +3.79% above its 50-day simple moving average ($119.79) and +8.50% above its 200-day simple moving average ($114.59). Across its 52-week range of $92.96 to $134.82, ESQ sits at the 74.9% percentile with a 14-day RSI of 54.9 (NEUTRAL RANGE) and an implied next-earnings move of ±6.2% ($116.62 to $132.04).

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 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Esquire Financial Holdings Inc. (ESQ) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $124.33 (-0.50% 1D, market capitalization $1.51B).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of 3.67%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Esquire Financial Holdings Inc. (ESQ) is a NASDAQ-listed issuer in the Financials sector and the Commercial Banks industry. The company is identified only by sector, industry, exchange, and market capitalization of $1.5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Esquire Financial Holdings Inc. (ESQ) reported $993.6M in annual revenue (up from $794.9M in FY2024, +25.0% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2024 ($794.9M revenue, $0 net income) through FY2025, ESQ scaled operating cash flow to $59.8M and free cash flow to $56.7M, backed by $2.37B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 3.67% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $92.96 – $134.82 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies. Sector context is limited to the Financials sector and Commercial Banks industry.

  • Key Question #1: Can ESQ sustain or expand its — operating margin and — ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $993.6M and free cash flow of $56.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ESQ's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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

ESQ Bull vs. Bear Conversation Board — What's Your Call at $124.33?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ESQ 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ESQ:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $149.95 (+20.0%)
📌 Pinned Debate

Free cash flow rose from $41.5M to $56.7M while cash grew from $126.3M to $235.9M, and the Q3 news flow reports an earnings beat.

Long ESQ at $124.96 targeting $149.95. Free cash flow rose from $41.5M to $56.7M while cash grew from $126.3M to $235.9M, and the Q3 news flow reports an earnings beat.. Institutional whale score is 14/20 and the risk/reward vs. the $92.96 52-week low is skewed heavily in favor of bulls.

SectorRotator 🐂 BULL

@MeanReversion_88 Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Commercial Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $101.22 (-19.0%)
Spot @ $124.96

The forensic balance sheet scores only 10 of 20 with a Piotroski F-Score of 2 out of 9 and ROIC at 0%, while margin questions are raise

Sitting on the sidelines or leaning short ESQ above $124.96. The forensic balance sheet scores only 10 of 20 with a Piotroski F-Score of 2 out of 9 and ROIC at 0%, while margin questions are raised in the news.. Until Fundamental Cash Engine (14/20) and FCF yield (3.67%) inflect higher, upside is capped near $134.82.

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