Esquire Financial HoldingsESQ +1.45%83 PB Ratio is 3.34 as of Jun. 25, 2026, which is 69% above its 10-year median of 1.98. 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 1,515 Banks companies, Esquire Financial Holdings ranks worse than 96.7% on this metric.
Esquire Financial Holdings Inc stock PB Ratio (=3.29) is close to 10-year high of 3.41.
The historical rank and industry rank for Esquire Financial Holdings's PB Ratio or its related term are showing as below:
ESQ'
s PB Ratio Range Over the Past 10 Years
Min: 0.87 Med: 1.98 Max: 3.41
Current: 3.34
During the past 11 years, Esquire Financial Holdings's highest PB Ratio was 3.41. The lowest was 0.87. And the median was 1.98.
ESQ's PB Ratio is ranked worse than 96.7% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs ESQ: 3.34
During the past 12 months, Esquire Financial Holdings's average Book Value Per Share Growth Rate was 17.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 16.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 16.00% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Esquire Financial Holdings was 24.00% per year. The lowest was 10.00% per year. And the median was 15.45% per year.
Back to Basics: PB Ratio
Esquire Financial Holdings (NAS:ESQ) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Esquire Financial Holdings PB Ratio Related Terms
Esquire Financial Holdings PB 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.
For the Banks - Regional subindustry, Esquire Financial Holdings's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Esquire Financial Holdings (ESQ) has a PB Ratio of 3.34 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Esquire Financial Holdings and its competitors. This is 69% above median its historical median of 1.98. Over the past decade, Esquire Financial Holdings' PB Ratio has ranged from 0.87 to 3.41. According to the industry distribution chart, Esquire Financial Holdings ranks #1465 out of 1515 companies in the Banks industry, placing it in the top 96.7%.
Is Esquire Financial Holdings' PB Ratio too high?
Esquire Financial Holdings' current PB Ratio of 3.34 is 69% above median its 10-year median of 1.98. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 3.41. The Banks industry median PB Ratio is 1.08. Esquire Financial Holdings' value of 3.34 is 209.3% above this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #1465 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' PB Ratio compare to EQBK and HBNC?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #1465 out of 1515 companies for PB Ratio. This places Esquire Financial Holdings in the lower half of its industry. The industry median PB Ratio is 1.08. Esquire Financial Holdings' value of 3.34 is 209.3% above this benchmark. Historically, Esquire Financial Holdings' own PB Ratio has ranged from 0.87 to 3.41 over the past decade. While the company's 10-year median is 1.98 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current PB Ratio of 3.34 is 209.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current PB Ratio is 3.34, which is 69% above median its own 10-year median of 1.98. 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 $116.45 — trading 24.1% above its estimated fair value. The current PB Ratio is 3.34, which is 69% above median its 10-year median of 1.98 and 209.3% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current PB Ratio is 3.34 as of Jun. 25, 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 $116.45 is trading 24.1% above its estimated GF Value™ of $93.85.
GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.
Key valuation signals for ESQ:
PB Ratio: 3.34 (69% above median its 10-year median of 1.98)
GF Value™: $93.85 vs. price of $116.45 (24.1% above fair value)
Industry Position: 209.3% above the Banks median (#1465 of 1515)
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
Get the complete analysis for ESQ
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