Esquire Financial HoldingsESQ -2.66%82 EV-to-FCF is 13.84 as of Jul. 03, 2026, which is 61% above its 10-year median of 8.59. GuruFocus rates ESQ with a GF Score™ of 82/100 and a GF Value™ of $94.52 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,193 Banks companies, Esquire Financial Holdings ranks worse than 73.6% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Esquire Financial Holdings's Enterprise Value is $817.4 Mil.
Esquire Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $59.1 Mil. Therefore, Esquire Financial Holdings's EV-to-FCF for today is 13.84.
The historical rank and industry rank for Esquire Financial Holdings's EV-to-FCF or its related term are showing as below:
ESQ'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.22 Med: 8.59 Max: 47.15
Current: 13.84
During the past 11 years, the highest EV-to-FCF of Esquire Financial Holdings was 47.15. The lowest was -0.22. And the median was 8.59.
ESQ's EV-to-FCF is ranked worse than 73.6% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs ESQ: 13.84
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Esquire Financial Holdings's PE Ratio (TTM) for today is calculated as:
Esquire Financial Holdings's share price for today is $120.34.
Esquire Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.950.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Esquire Financial Holdings EV-to-FCF Related Terms
Esquire Financial Holdings EV-to-FCF 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.
For the Banks - Regional subindustry, Esquire Financial Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's EV-to-FCF falls into.
Esquire Financial Holdings's current Enterprise Value is $817.4 Mil.
Esquire Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $59.1 Mil.
* 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 (ESQ) has a EV-to-FCF of 13.84 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Esquire Financial Holdings and its competitors. This is 61% above median its historical median of 8.59. According to the industry distribution chart, Esquire Financial Holdings ranks #878 out of 1193 companies in the Banks industry, placing it in the top 73.6%.
Is Esquire Financial Holdings' EV-to-FCF too high?
Esquire Financial Holdings' current EV-to-FCF of 13.84 is 61% above median its 10-year median of 8.59. The Banks industry median EV-to-FCF is 6.61. Esquire Financial Holdings' value of 13.84 is 109.4% above this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #878 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, Esquire Financial Holdings has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Esquire Financial Holdings' EV-to-FCF compare to EQBK and MCBS?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #878 out of 1193 companies for EV-to-FCF. This places Esquire Financial Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.61. Esquire Financial Holdings' value of 13.84 is 109.4% above this benchmark. While the company's 10-year median is 8.59 vs. the industry median of 6.61, Esquire Financial Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current EV-to-FCF of 13.84 is 109.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current EV-to-FCF is 13.84, which is 61% above median its own 10-year median of 8.59. 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 $94.52, compared to a current price of $120.34 — trading 27.3% above its estimated fair value. The current EV-to-FCF is 13.84, which is 61% above median its 10-year median of 8.59 and 109.4% above the Banks industry median of 6.61. Esquire Financial Holdings' overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current EV-to-FCF is 13.84 as of Jul. 03, 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 $120.34 is trading 27.3% above its estimated GF Value™ of $94.52.
GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.
Key valuation signals for ESQ:
EV-to-FCF: 13.84 (61% above median its 10-year median of 8.59)
GF Value™: $94.52 vs. price of $120.34 (27.3% above fair value)
Industry Position: 109.4% above the Banks median (#878 of 1193)
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.
82GF Score
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