Esquire Financial HoldingsESQ -0.16%83 Return-on-Tangible-Asset is 2.04% as of Mar. 2026, which is 13% above its 10-year median of 1.81. GuruFocus rates ESQ with a GF Scoreâ„¢ of 83/100 and a GF Valueâ„¢ of $95.44 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Esquire Financial Holdings ranks better than 91.75% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Esquire Financial Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was $48.8 Mil. Esquire Financial Holdings's average total tangible assets for the quarter that ended in Mar. 2026 was $2,393.4 Mil. Therefore, Esquire Financial Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.04%.
The historical rank and industry rank for Esquire Financial Holdings's Return-on-Tangible-Asset or its related term are showing as below:
ESQ'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73 Med: 1.81 Max: 2.72
Current: 2.35
During the past 11 years, Esquire Financial Holdings's highest Return-on-Tangible-Asset was 2.72%. The lowest was 0.73%. And the median was 1.81%.
ESQ's Return-on-Tangible-Asset is ranked better than 91.75% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs ESQ: 2.35
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Esquire Financial Holdings Return-on-Tangible-Asset Related Terms
Esquire Financial Holdings Return-on-Tangible-Asset 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.
ESQ vs EQBK, MCBS, FSBC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Esquire Financial Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.04% mean?
Esquire Financial Holdings (ESQ) has a Return-on-Tangible-Asset of 2.04% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Esquire Financial Holdings and its competitors. This is 13% above median its historical median of 1.81. Over the past decade, Esquire Financial Holdings' Return-on-Tangible-Asset has ranged from 0.73 to 2.72. According to the industry distribution chart, Esquire Financial Holdings ranks #126 out of 1527 companies in the Banks industry, placing it in the top 8.3%.
Is Esquire Financial Holdings' Return-on-Tangible-Asset too high?
Esquire Financial Holdings' current Return-on-Tangible-Asset of 2.04% is 13% above median its 10-year median of 1.81. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 2.72. The Banks industry median Return-on-Tangible-Asset is 0.99. Esquire Financial Holdings' value of 2.04% is 106.1% above this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #126 out of 1527 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 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Esquire Financial Holdings' Return-on-Tangible-Asset compare to EQBK and MCBS?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #126 out of 1527 companies for Return-on-Tangible-Asset. This places Esquire Financial Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Esquire Financial Holdings' value of 2.04% is 106.1% above this benchmark. Historically, Esquire Financial Holdings' own Return-on-Tangible-Asset has ranged from 0.73 to 2.72 over the past decade. While the company's 10-year median is 1.81 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current Return-on-Tangible-Asset of 2.04% is 106.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current Return-on-Tangible-Asset is 2.04%, which is 13% above median its own 10-year median of 1.81. 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 $95.44, compared to a current price of $117.21 — trading 22.8% above its estimated fair value. The current Return-on-Tangible-Asset is 2.04%, which is 13% above median its 10-year median of 1.81 and 106.1% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current Return-on-Tangible-Asset is 2.04% 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 $117.21 is trading 22.8% above its estimated GF Value™ of $95.44.
GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.
Key valuation signals for ESQ:
Return-on-Tangible-Asset: 2.04% (13% above median its 10-year median of 1.81)
GF Value™: $95.44 vs. price of $117.21 (22.8% above fair value)
Industry Position: 106.1% above the Banks median (#126 of 1527)
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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