Esquire Financial HoldingsESQ -0.63%83 ROE % 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 83/100 and a GF Value™ of $93.85 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Esquire Financial Holdings ranks better than 89.63% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Esquire Financial Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Esquire Financial Holdings's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Esquire Financial Holdings (ESQ) has a ROE % of 16.53% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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' ROE % has ranged from 5.38 to 22.99. According to the industry distribution chart, Esquire Financial Holdings ranks #158 out of 1523 companies in the Banks industry, placing it in the top 10.4%.
Is Esquire Financial Holdings' ROE % too high?
Esquire Financial Holdings' current ROE % 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 ROE % is 10.22. Esquire Financial Holdings' value of 16.53% is 61.7% above this industry median. Based on the distribution chart, Esquire Financial Holdings ranks #158 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 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Esquire Financial Holdings' ROE % compare to EQBK and HBNC?
According to the Banks industry distribution chart, Esquire Financial Holdings ranks #158 out of 1523 companies for ROE %. This places Esquire Financial Holdings in the top 10% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Esquire Financial Holdings' value of 16.53% is 61.7% above this benchmark. Historically, Esquire Financial Holdings' own ROE % 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 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Esquire Financial Holdings's current ROE % of 16.53% is 61.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Esquire Financial Holdings and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Esquire Financial Holdings's current ROE % 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 Modestly Overvalued. The stock's GF Value™ is $93.85, compared to a current price of $114.79 — trading 22.3% above its estimated fair value. The current ROE % is 16.53%, which is 22% above median its 10-year median of 13.59 and 61.7% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Esquire Financial Holdings (ESQ), the current ROE % 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 $114.79 is trading 22.3% above its estimated GF Value™ of $93.85.
GuruFocus considers Esquire Financial Holdings to be Modestly Overvalued.
Key valuation signals for ESQ:
ROE %: 16.53% (22% above median its 10-year median of 13.59)
GF Value™: $93.85 vs. price of $114.79 (22.3% above fair value)
Industry Position: 61.7% above the Banks median (#158 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.
83GF Score
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