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ESQ (Esquire Financial Holdings) Cyclically Adjusted PB Ratio : 4.94 (As of May. 27, 2025)


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What is Esquire Financial Holdings Cyclically Adjusted PB Ratio?

As of today (2025-05-27), Esquire Financial Holdings's current share price is $91.00. Esquire Financial Holdings's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec24 was $18.42. Esquire Financial Holdings's Cyclically Adjusted PB Ratio for today is 4.94.

The historical rank and industry rank for Esquire Financial Holdings's Cyclically Adjusted PB Ratio or its related term are showing as below:

ESQ' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 3.92   Med: 4.29   Max: 4.92
Current: 4.92

During the past 10 years, Esquire Financial Holdings's highest Cyclically Adjusted PB Ratio was 4.92. The lowest was 3.92. And the median was 4.29.

ESQ's Cyclically Adjusted PB Ratio is ranked worse than
97.11% of 1281 companies
in the Banks industry
Industry Median: 1.01 vs ESQ: 4.92

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Esquire Financial Holdings's adjusted book value per share data of for the fiscal year that ended in Dec24 was $28.377. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $18.42 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


Esquire Financial Holdings Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Esquire Financial Holdings's Cyclically Adjusted PB Ratio can be seen below:

* 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.

* Premium members only.

Esquire Financial Holdings Cyclically Adjusted PB Ratio Chart

Esquire Financial Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 4.32

Esquire Financial Holdings Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - 4.32 -

Competitive Comparison of Esquire Financial Holdings's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Esquire Financial Holdings's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Esquire Financial Holdings's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Esquire Financial Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Esquire Financial Holdings's Cyclically Adjusted PB Ratio falls into.


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Esquire Financial Holdings Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Esquire Financial Holdings's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=91.00/18.42
=4.94

* 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.

Esquire Financial Holdings's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec24 is calculated as:

For example, Esquire Financial Holdings's adjusted Book Value per Share data for the fiscal year that ended in Dec24 was:

Adj_Book=Book Value per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=28.377/133.1571*133.1571
=28.377

Current CPI (Dec24) = 133.1571.

Esquire Financial Holdings Annual Data

Book Value per Share CPI Adj_Book
201512 9.820 99.792 13.103
201612 7.610 101.863 9.948
201712 11.380 104.011 14.569
201812 12.316 105.998 15.472
201912 14.514 108.420 17.825
202012 16.178 109.897 19.602
202112 17.769 117.630 20.115
202212 19.299 125.222 20.522
202312 23.957 129.419 24.649
202412 28.377 133.157 28.377

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Esquire Financial Holdings  (NAS:ESQ) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Esquire Financial Holdings Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Esquire Financial Holdings's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Esquire Financial Holdings Business Description

Traded in Other Exchanges
N/A
Address
100 Jericho Quadrangle, Suite 100, Jericho, NY, USA, 11753
Esquire Financial Holdings Inc is a financial holding company. Through its subsidiary, the company operates as a full-service commercial bank dedicated to serving the financial needs of the legal industry and small businesses nationally, as well as commercial and retail customers in the New York metropolitan area. The Bank offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners. Banking products offered for businesses and consumers include checking, savings, money market, and time deposits; a wide range of commercial and consumer loans, as well as customary banking services. In addition, it operates a payment processing platform through third-party independent sales organizations.
Executives
Selig Zises director C/O MANGOSOFT INC, 1500 WEST PARK DRIVE STE 190, WESTBOROUGH MA 01581
Richard T Powers director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Joseph Melohn director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Michael Lacapria officer: Chief Financial Officer 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Kevin C Waterhouse director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Todd Deutsch director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Marc D Grossman director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Robert Mitzman director 3725 SW 30TH AVENUE, FORT LAUDERDALE FL 33312
Eric S Bader officer: EVP, CFO and Treasurer 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Andrew C Sagliocca director, officer: President and CEO 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Parag Tandon officer: Chief Acctg Off and Controller 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
James F. Deutsch director C/O STERLING NATIONAL BANK, 400 RELLA BOULEVARD, MONTEBELLO NY 10901
Anthony Coelho director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Jack T Thompson director 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753
Ari P Kornhaber officer: EVP and Director of Sales 100 JERICHO QUADRANGLE, SUITE 100, JERICHO NY 11753