Esquire Financial HoldingsESQ +3.66%82 Return-on-Tangible-Equity is 16.53% as of Mar. 2026, which is 22% above its 10-year median of 13.59. GuruFocus rates ESQ with a GF Score™ of 82/100 and a GF Value™ of $94.44 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Esquire Financial Holdings ranks better than 86.8% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Esquire Financial Holdings's annualized net income for the quarter that ended in Mar. 2026 was $48.8 Mil. Esquire Financial Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $295.4 Mil. Therefore, Esquire Financial Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.53%.
The historical rank and industry rank for Esquire Financial Holdings's Return-on-Tangible-Equity or its related term are showing as below:
ESQ'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.38 Med: 13.59 Max: 22.99
Current: 18.65
During the past 11 years, Esquire Financial Holdings's highest Return-on-Tangible-Equity was 22.99%. The lowest was 5.38%. And the median was 13.59%.
ESQ's Return-on-Tangible-Equity is ranked better than 86.8% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ESQ: 18.65
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Esquire Financial Holdings Return-on-Tangible-Equity Related Terms
Esquire Financial Holdings Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, Esquire Financial Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.53% mean?
Esquire Financial Holdings (ESQ) has a Return-on-Tangible-Equity of 16.53% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Esquire Financial Holdings and its competitors. This is 22% above median its historical median of 13.59. Over the past decade, Esquire Financial Holdings' Return-on-Tangible-Equity has ranged from 5.38 to 22.99. According to the industry distribution chart, Esquire Financial Holdings ranks #201 out of 1523 companies in the Banks industry, placing it in the top 13.2%.
Is Esquire Financial Holdings' Return-on-Tangible-Equity too high?
Esquire Financial Holdings' current Return-on-Tangible-Equity of 16.53% is 22% above median its 10-year median of 13.59. Over the past 10 years, this metric has ranged from a low of 5.38 to a high of 22.99. The Banks industry median Return-on-Tangible-Equity is 11.20. Esquire Financial Holdings' value of 16.53% is 47.6% above this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #201 out of 1523 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Esquire Financial Holdings' Return-on-Tangible-Equity compare to EQBK and MCBS?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #201 out of 1523 companies for Return-on-Tangible-Equity. This places Esquire Financial Holdings in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Esquire Financial Holdings' value of 16.53% is 47.6% above this benchmark. Historically, Esquire Financial Holdings' own Return-on-Tangible-Equity has ranged from 5.38 to 22.99 over the past decade. While the company's 10-year median is 13.59 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 16.53% is 47.6% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 16.53%, which is 22% above median its own 10-year median of 13.59. 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 Significantly Overvalued. The stock's GF Value™ is $94.44, compared to a current price of $123.63 — trading 30.9% above its estimated fair value. The current Return-on-Tangible-Equity is 16.53%, which is 22% above median its 10-year median of 13.59 and 47.6% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current Return-on-Tangible-Equity is 16.53% 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 $123.63 is trading 30.9% above its estimated GF Value™ of $94.44.
GuruFocus considers Esquire Financial Holdings to be Significantly Overvalued.
Key valuation signals for ESQ:
Return-on-Tangible-Equity: 16.53% (22% above median its 10-year median of 13.59)
GF Value™: $94.44 vs. price of $123.63 (30.9% above fair value)
Industry Position: 47.6% above the Banks median (#201 of 1523)
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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