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ESQ
Volume: 60.25K
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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. has demonstrated strong operational performance, with end-of-period deposits increasing by 22% in the latest quarter, aligning with loan growth and indicating robust demand for banking services. Management anticipates loan growth to reach 18% in 2025 and 16% in 2026, driven by the sustained pace of litigation-related lending despite a cautious approach to further growing the commercial real estate portfolio. While expenses are projected to increase by 14% in 2025 and 12% in 2026, the strategic focus on tailored financial solutions for the legal industry and small businesses supports a positive long-term outlook for the company's financial health.

Bears say

Esquire Financial Holdings Inc. is facing a challenging outlook as noninterest income exhibited a slight quarterly decline of 0.1%, with projected growth rates of -1% for 2025 and modest recovery at 7% for 2026, indicating potential stagnation. Additionally, excess cash is expected to exert a negative impact on the net interest margin, estimated at around 10 basis points relative to the second quarter of 2024, should it not be effectively deployed into the loan portfolio. Furthermore, the company confronts significant risk factors including a potential slowdown in the litigation business, threats of fraud in its merchant services, cybersecurity vulnerabilities, and credit deterioration in its New York-centric commercial real estate loans, all of which could hinder its earnings potential.

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 Oct 29, 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: 60.25K

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