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ESQ
Volume: 49.04K

ESQ Stock Forecast & Price Target

ESQ Analyst Ratings

Based on 2 analyst ratings
Hold
Strong Buy 0%
Buy 50%
Hold 50%
Sell 0%
Strong Sell 0%

Bulls say

Esquire Financial Holdings Inc. demonstrates a robust financial position, evidenced by its strong regulatory capital ratios, with the Total Risk-Based Capital (RBC) and Common Equity Tier 1 (CET1) ratios each increasing approximately 40 basis points to 16.52% and 15.27%, respectively. The company has shown impressive growth in net interest income (NII), achieving a solid beat of $0.11, driven by a 7.1% quarter-over-quarter increase in average earning assets (AEA) balances and a slight rise in AEA yield to 6.96%, coupled with an ultra-low cost of funds at 1.02%. Additionally, loan balances grew at an annualized pace of 14% in the third quarter, with management projecting loan growth expectations of 18% in 2025 and 16% in 2026, supported by a 22% increase in end-of-period deposits that aligns with loan growth.

Bears say

Esquire Financial Holdings Inc. has exhibited a decline in noninterest income, with a projected decrease of 1% in 2025, indicating challenges in revenue generation beyond traditional banking operations. The company faces significant risk factors, including potential slowdowns in its litigation business, cybersecurity threats, and credit deterioration in its New York-centric commercial real estate portfolio, which could impede earnings growth and profitability expectations. Additionally, a notable excess of cash is expected to negatively impact the net interest margin (NIM), suggesting inefficiencies in asset utilization and potential downward pressure on overall financial performance.

ESQ has been analyzed by 2 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 50% recommend Buy, 50% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Esquire Financial Hlds and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Esquire Financial Hlds (ESQ) Forecast

Analysts have given ESQ a Hold based on their latest research and market trends.

According to 2 analysts, ESQ has a Hold consensus rating as of Dec 24, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $113, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $113, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Esquire Financial Hlds (ESQ)

Volume: 49.04K

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