ESQ (Esquire Financial Holdings) Moat Score: 4/10 (As of Jun. 30, 2026)


ESQ Esquire Financial Holdings Inc ESQ
82 GF Score
Price $119.28
GF Value $93.93
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Esquire Financial Holdings Moat Score?

Esquire Financial Holdings ESQ +0.52% 82 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates ESQ with a GF Score™ of 82/100 and a GF Value™ of $93.93 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,613 Banks companies, Esquire Financial Holdings ranks better than 86.24% on this metric.

Esquire Financial Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Esquire Financial Holdings has Narrow Moat: Esquire Financial Holdings Inc has a modest position in financial services with some customer switching costs and regulatory barriers. The company benefits from a stable customer base, but its market share and pricing power are not strong enough to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Esquire Financial Holdings might have Narrow Moat - Discernible but modest moat.

Esquire Financial Holdings  (NAS:ESQ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Esquire Financial Holdings Moat Score Related Terms

ESQ vs EQBK, MCBS, FSBC: Moat Score Comparison

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

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

* The bar in red indicates where Esquire Financial Holdings's Moat Score falls into.


ESQ
82GF Score
Esquire Financial Holdings Inc ESQ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Esquire Financial Holdings (ESQ) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Esquire Financial Holdings ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is Esquire Financial Holdings' Moat Score too high?
Esquire Financial Holdings' current Moat Score is 4. Based on the distribution chart, Esquire Financial Holdings ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to EQBK and MCBS?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #222 out of 1613 companies for Moat Score. This places Esquire Financial Holdings in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Esquire Financial Holdings's current Moat Score is 4. 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 $93.93, compared to a current price of $119.28 — trading 27% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current Moat Score is 4 as of Jun. 30, 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 $119.28 is trading 27% above its estimated GF Value™ of $93.93. GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.

Key valuation signals for ESQ:

  • Moat Score: 4
  • GF Value™: $93.93 vs. price of $119.28 (27% above fair value)
  • GF Score™: 82/100 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.
82GF Score

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

$119.28
Price
$93.93
GF Value