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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Esquire Financial Holdings's accounts receivables for the quarter that ended in Jun. 2026 was $13.6 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
Esquire Financial Holdings's Days Sales Outstanding for the quarter that ended in Jun. 2026 was 29.40.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Esquire Financial Holdings's Net-Net Working Capital per share for the quarter that ended in Jun. 2026 was $-197.09.
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
Esquire Financial Holdings's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Esquire Financial Holdings's accounts receivable are only considered to be worth 75% of book value:
Esquire Financial Holdings's Net-Net Working Capital Per Share for the quarter that ended in Jun. 2026 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
Esquire Financial Holdings Accounts Receivable Related Terms
Esquire Financial Holdings Accounts Receivable Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Accounts Receivable of $13.6 Mil mean?
Esquire Financial Holdings (ESQ) has a Accounts Receivable of $13.6 Mil as of Jun. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Esquire Financial Holdings and its competitors.
Is Esquire Financial Holdings' Accounts Receivable too high?
Esquire Financial Holdings' current Accounts Receivable is $13.6 Mil. Overall, Esquire Financial Holdings has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Esquire Financial Holdings' Accounts Receivable compare to EQBK and MCBS?
Esquire Financial Holdings' Accounts Receivable of $13.6 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Esquire Financial Holdings and its competitors. Esquire Financial Holdings's current Accounts Receivable is $13.6 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Esquire Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Esquire Financial Holdings (ESQ) is currently considered Modestly Overvalued. The stock's GF Value™ is $105.89, compared to a current price of $127.99 — trading 20.9% above its estimated fair value. The current Accounts Receivable is $13.6 Mil. Esquire Financial Holdings' overall GF Score™ is 83/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current Accounts Receivable is $13.6 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Esquire Financial Holdings (ESQ) Overvalued in 2026?
Based on GuruFocus' analysis, Esquire Financial Holdings stock appears to be overvalued.
The current stock price of $127.99 is trading 20.9% above its estimated GF Value™ of $105.89.
GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.
Key valuation signals for ESQ:
Accounts Receivable: $13.6 Mil
GF Value™: $105.89 vs. price of $127.99 (20.9% above fair value)
No single metric tells the full story. See the ESQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Esquire Financial Holdings Inc is a financial holding company operating as a full service commercial bank. It serves the financial needs of the litigation industry and small businesses nationally, as well as commercial and retail customers in the New York metropolitan area. The bank offers tailored financial and payment processing solutions to the litigation community and their clients as well as dynamic and flexible payment processing solutions to small business owners. It operates in one operating segment, that of community banking.
83GF Score
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Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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