Esquire Financial HoldingsESQ -0.47%82 PEG Ratio is 1.20 as of Jun. 30, 2026, which is 17% above its 10-year median of 1.03. 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 1,231 Banks companies, Esquire Financial Holdings ranks better than 59.22% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Esquire Financial Holdings's PEG Ratio or its related term are showing as below:
ESQ'
s PEG Ratio Range Over the Past 10 Years
Min: 0.75 Med: 1.03 Max: 1.32
Current: 1.2
During the past 11 years, Esquire Financial Holdings's highest PEG Ratio was 1.32. The lowest was 0.75. And the median was 1.03.
ESQ's PEG Ratio is ranked better than 59.22% of 1231
companies
in the Banks industry
Industry Median: 1.52
vs ESQ: 1.20
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Esquire Financial Holdings (NAS:ESQ) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Esquire Financial Holdings PEG Ratio Related Terms
Esquire Financial Holdings PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Esquire Financial Holdings (ESQ) has a PEG Ratio of 1.20 as of Jun. 30, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Esquire Financial Holdings and its competitors. This is 17% above median its historical median of 1.03. Over the past decade, Esquire Financial Holdings' PEG Ratio has ranged from 0.75 to 1.32. According to the industry distribution chart, Esquire Financial Holdings ranks #502 out of 1231 companies in the Banks industry, placing it in the top 40.8%.
Is Esquire Financial Holdings' PEG Ratio too high?
Esquire Financial Holdings' current PEG Ratio of 1.20 is 17% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 1.32. The Banks industry median PEG Ratio is 1.52. Esquire Financial Holdings' value of 1.20 is 21.1% below this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #502 out of 1231 companies in the Banks industry, which is above 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' PEG Ratio compare to EQBK and MCBS?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #502 out of 1231 companies for PEG Ratio. This puts Esquire Financial Holdings in the upper half of its industry. The industry median PEG Ratio is 1.52. Esquire Financial Holdings' value of 1.20 is 21.1% below this benchmark. Historically, Esquire Financial Holdings' own PEG Ratio has ranged from 0.75 to 1.32 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current PEG Ratio of 1.20 is 21.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current PEG Ratio is 1.20, which is 17% above median its own 10-year median of 1.03. 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 PEG Ratio is 1.20, which is 17% above median its 10-year median of 1.03 and 21.1% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current PEG Ratio is 1.20 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 $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:
PEG Ratio: 1.20 (17% above median its 10-year median of 1.03)
GF Value™: $93.93 vs. price of $118.10 (25.7% above fair value)
Industry Position: 21.1% below the Banks median (#502 of 1231)
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
Get the complete analysis for ESQ
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