Esquire Financial HoldingsESQ -0.63%83 FCF Margin % is 46.67% as of Mar. 2026, which is 50% above its 10-year median of 31.16. 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. Among 1,504 Banks companies, Esquire Financial Holdings ranks better than 67.49% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's FCF Margin % falls into.
* 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 FCF Margin % of 46.67% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Esquire Financial Holdings and its competitors. This is 50% above median its historical median of 31.16. Over the past decade, Esquire Financial Holdings' FCF Margin % has ranged from 14.93 to 44.57. According to the industry distribution chart, Esquire Financial Holdings ranks #489 out of 1504 companies in the Banks industry, placing it in the top 32.5%.
Is Esquire Financial Holdings' FCF Margin % too high?
Esquire Financial Holdings' current FCF Margin % of 46.67% is 50% above median its 10-year median of 31.16. Over the past 10 years, this metric has ranged from a low of 14.93 to a high of 44.57. The Banks industry median FCF Margin % is 26.50. Esquire Financial Holdings' value of 46.67% is 76.1% above this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #489 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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' FCF Margin % compare to EQBK and HBNC?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #489 out of 1504 companies for FCF Margin %. This puts Esquire Financial Holdings in the upper half of its industry. The industry median FCF Margin % is 26.50. Esquire Financial Holdings' value of 46.67% is 76.1% above this benchmark. Historically, Esquire Financial Holdings' own FCF Margin % has ranged from 14.93 to 44.57 over the past decade. While the company's 10-year median is 31.16 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current FCF Margin % of 46.67% is 76.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current FCF Margin % is 46.67%, which is 50% above median its own 10-year median of 31.16. 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 FCF Margin % is 46.67%, which is 50% above median its 10-year median of 31.16 and 76.1% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current FCF Margin % is 46.67% 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:
FCF Margin %: 46.67% (50% above median its 10-year median of 31.16)
GF Value™: $93.85 vs. price of $114.79 (22.3% above fair value)
Industry Position: 76.1% above the Banks median (#489 of 1504)
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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