Esquire Financial HoldingsESQ -0.47%82 Dividend Payout Ratio is 0.13 as of Mar. 2026, which is 18% above its 10-year median of 0.11. 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 1,171 Banks companies, Esquire Financial Holdings ranks better than 91.8% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Esquire Financial Holdings's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.13.
The historical rank and industry rank for Esquire Financial Holdings's Dividend Payout Ratio or its related term are showing as below:
ESQ'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08 Med: 0.11 Max: 0.12
Current: 0.12
During the past 11 years, the highest Dividend Payout Ratio of Esquire Financial Holdings was 0.12. The lowest was 0.08. And the median was 0.11.
ESQ's Dividend Payout Ratio is ranked better than 91.8% of 1171
companies
in the Banks industry
Industry Median: 0.32
vs ESQ: 0.12
During the past 11 years, the highest Trailing Annual Dividend Yield of Esquire Financial Holdings was 1.19%. The lowest was 0.22%. And the median was 0.73%.
During the past 12 months, Esquire Financial Holdings's average Dividends Per Share Growth Rate was 16.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 35.70% per year.
During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of Esquire Financial Holdings was 35.70% per year. The lowest was 35.70% per year. And the median was 35.70% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Esquire Financial Holdings (NAS:ESQ) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Esquire Financial Holdings Dividend Payout Ratio Related Terms
Esquire Financial Holdings Dividend Payout Ratio 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.
Esquire Financial Holdings Dividend Payout Ratio Chart
ESQ vs EQBK, MCBS, FSBC: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Esquire Financial Holdings's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's Dividend Payout Ratio falls into.
Esquire Financial Holdings Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Esquire Financial Holdings's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.13 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Esquire Financial Holdings and its competitors. This is 18% above median its historical median of 0.11. Over the past decade, Esquire Financial Holdings' Dividend Payout Ratio has ranged from 0.08 to 0.12. According to the industry distribution chart, Esquire Financial Holdings ranks #96 out of 1171 companies in the Banks industry, placing it in the top 8.2%.
Is Esquire Financial Holdings' Dividend Payout Ratio too high?
Esquire Financial Holdings' current Dividend Payout Ratio of 0.13 is 18% above median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.12. The Banks industry median Dividend Payout Ratio is 0.32. Esquire Financial Holdings' value of 0.13 is 59.4% below this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #96 out of 1171 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' Dividend Payout Ratio compare to EQBK and MCBS?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #96 out of 1171 companies for Dividend Payout Ratio. This places Esquire Financial Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Esquire Financial Holdings' value of 0.13 is 59.4% below this benchmark. Historically, Esquire Financial Holdings' own Dividend Payout Ratio has ranged from 0.08 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.32, Esquire Financial Holdings has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,171 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current Dividend Payout Ratio of 0.13 is 59.4% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current Dividend Payout Ratio is 0.13, which is 18% above median its own 10-year median of 0.11. 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 $118.10 — trading 25.7% above its estimated fair value. The current Dividend Payout Ratio is 0.13, which is 18% above median its 10-year median of 0.11 and 59.4% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current Dividend Payout Ratio is 0.13 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 $118.10 is trading 25.7% above its estimated GF Value™ of $93.93.
GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.
Key valuation signals for ESQ:
Dividend Payout Ratio: 0.13 (18% above median its 10-year median of 0.11)
GF Value™: $93.93 vs. price of $118.10 (25.7% above fair value)
Industry Position: 59.4% below the Banks median (#96 of 1171)
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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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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