ESQ (Esquire Financial Holdings) E10: $3.21 (As of Mar. 2026)


ESQ Esquire Financial Holdings Inc ESQ
83 GF Score
Price $114.79
GF Value $93.85
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Esquire Financial Holdings E10?

Esquire Financial Holdings ESQ -0.63% 83 E10 is $3.21 as of Mar. 2026. GuruFocus rates ESQ with a GF Score™ of 83/100 and a GF Value™ of $93.85 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Esquire Financial Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was $1.400. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.21 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-06-25), Esquire Financial Holdings's current stock price is $114.79. Esquire Financial Holdings's E10 for the quarter that ended in Mar. 2026 was $3.21. Esquire Financial Holdings's Shiller PE Ratio of today is 35.76.

During the past 11 years, the highest Shiller PE Ratio of Esquire Financial Holdings was 38.07. The lowest was 31.80. And the median was 34.79.


Esquire Financial Holdings  (NAS:ESQ) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Esquire Financial Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=114.79/3.21
=35.76

* 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.

During the past 11 years, the highest Shiller P/E Ratio of Esquire Financial Holdings was 38.07. The lowest was 31.80. And the median was 34.79.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Esquire Financial Holdings E10 Related Terms


Esquire Financial Holdings E10 Historical Data

* Premium members only.

The historical data trend for Esquire Financial Holdings's E10 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.

Esquire Financial Holdings E10 Chart

Esquire Financial Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 3.03

Esquire Financial Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.00 0.00 2.95 3.03 3.21

ESQ vs EQBK, HBNC, FMCB: E10 Comparison

For the Banks - Regional subindustry, Esquire Financial Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Esquire Financial Holdings's Shiller PE Ratio falls into.


ESQ
83GF Score
Esquire Financial Holdings Inc ESQ
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Esquire Financial Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Esquire Financial Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.4/330.2130*330.2130
=1.400

Current CPI (Mar. 2026) = 330.2130.

Esquire Financial Holdings Quarterly Data

per share eps CPI Adj_EPS
201606 0.150 241.018 0.206
201609 0.140 241.428 0.191
201612 0.136 241.432 0.186
201703 0.160 243.801 0.217
201706 0.200 244.955 0.270
201709 0.160 246.819 0.214
201712 0.090 246.524 0.121
201803 0.260 249.554 0.344
201806 0.290 251.989 0.380
201809 0.220 252.439 0.288
201812 0.370 251.233 0.486
201903 0.390 254.202 0.507
201906 0.450 256.143 0.580
201909 0.490 256.759 0.630
201912 0.500 256.974 0.643
202003 0.330 258.115 0.422
202006 0.330 257.797 0.423
202009 0.480 260.280 0.609
202012 0.510 260.474 0.647
202103 0.530 264.877 0.661
202106 0.570 271.696 0.693
202109 0.320 274.310 0.385
202112 0.830 278.802 0.983
202203 0.660 287.504 0.758
202206 0.780 296.311 0.869
202209 0.940 296.808 1.046
202212 1.100 296.797 1.224
202303 1.470 301.836 1.608
202306 1.100 305.109 1.191
202309 1.170 307.789 1.255
202312 1.180 306.746 1.270
202403 1.200 312.332 1.269
202406 1.250 314.175 1.314
202409 1.340 315.301 1.403
202412 1.370 315.605 1.433
202503 1.330 319.799 1.373
202506 1.380 322.561 1.413
202509 1.620 324.800 1.647
202512 1.550 324.054 1.579
202603 1.400 330.213 1.400

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.21 mean?
Esquire Financial Holdings (ESQ) has a E10 of $3.21 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Esquire Financial Holdings and its competitors.
Is Esquire Financial Holdings' E10 too high?
Esquire Financial Holdings' current E10 is $3.21. 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' E10 compare to EQBK and HBNC?
Esquire Financial Holdings' E10 of $3.21 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Esquire Financial Holdings and its competitors. Esquire Financial Holdings's current E10 is $3.21. 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 $93.85, compared to a current price of $114.79 — trading 22.3% above its estimated fair value. The current E10 is $3.21. Esquire Financial Holdings' overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current E10 is $3.21 as of Mar. 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 $114.79 is trading 22.3% above its estimated GF Value™ of $93.85. GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.

Key valuation signals for ESQ:

  • E10: $3.21
  • GF Value™: $93.85 vs. price of $114.79 (22.3% above fair value)
  • GF Score™: 83/100 with 5 warning signs

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 Business Description

Address 100 Jericho Quadrangle, Suite 100, Jericho, NY, USA, 11753
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

Get the complete analysis for ESQ

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$114.79
Price
$93.85
GF Value