ESQ (Esquire Financial Holdings) Effective Interest Rate on Debt %: 0.00% (As of Mar. 2026)


ESQ Esquire Financial Holdings Inc ESQ
81 GF Score
Price $117.67
GF Value $95.27
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Esquire Financial Holdings Effective Interest Rate on Debt %?

Esquire Financial Holdings ESQ -2.40% 81 Effective Interest Rate on Debt % is 0.00% as of Mar. 2026. GuruFocus rates ESQ with a GF Score™ of 81/100 and a GF Value™ of $95.27 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Esquire Financial Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $20.1 Mil. Esquire Financial Holdings's average total debt for the quarter that ended in Mar. 2026 was $0.0 Mil. Therefore, Esquire Financial Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was N/A%.

Esquire Financial Holdings  (NAS:ESQ) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Esquire Financial Holdings Effective Interest Rate on Debt % Related Terms

Esquire Financial Holdings Effective Interest Rate on Debt % Historical Data

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The historical data trend for Esquire Financial Holdings's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

Esquire Financial Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

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
Effective Interest Rate on Debt % 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 0.00 0.00 0.00

ESQ vs EQBK, MCBS, FSBC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Esquire Financial Holdings's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Esquire Financial Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Esquire Financial Holdings's Effective Interest Rate on Debt % falls into.


ESQ
81GF Score
Esquire Financial Holdings Inc ESQ
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Esquire Financial Holdings Effective Interest Rate on Debt % Calculation

Esquire Financial Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -17.936/( (0+0)/ 1 )
=-1  *  -17.936/0
=N/A %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Esquire Financial Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -20.116/( (0+0)/ 1 )
=-1  *  -20.116/0
=N/A %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.00% mean?
Esquire Financial Holdings (ESQ) has a Effective Interest Rate on Debt % of 0.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Esquire Financial Holdings and its competitors.
Is Esquire Financial Holdings' Effective Interest Rate on Debt % too high?
Esquire Financial Holdings' current Effective Interest Rate on Debt % is 0.00%. Overall, Esquire Financial Holdings has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Esquire Financial Holdings' Effective Interest Rate on Debt % compare to EQBK and MCBS?
Esquire Financial Holdings' Effective Interest Rate on Debt % of 0.00% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Esquire Financial Holdings and its competitors. Esquire Financial Holdings's current Effective Interest Rate on Debt % is 0.00%. 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 $95.27, compared to a current price of $117.67 — trading 23.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Esquire Financial Holdings' overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current Effective Interest Rate on Debt % is 0.00% 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 $117.67 is trading 23.5% above its estimated GF Value™ of $95.27. GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.

Key valuation signals for ESQ:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: $95.27 vs. price of $117.67 (23.5% above fair value)
  • GF Score™: 81/100 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.
81GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$117.67
Price
$95.27
GF Value