ESQ
Esquire Financial Holdings, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Neutral
+18/100
Last price
116.44
▼ 1.58 (1.34%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
—
Prev close
118.02
Day high
120.48
Day low
116.44
Volume
149.59K
Market cap
$1.41B
P/E (TTM)
19.21
52W range
92.10 – 134.82
Trailing performance
Returnvs SPY
1W
-1.17%
-3.1%
1M
-2.12%
-3.3%
3M
-0.95%
-5.5%
6M
+4.77%
-13.4%
YTD
+14.08%
-0.2%
1Y
+15.41%
-1.0%
3Y
+154.85%
+72.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ESQ open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+250.78K
Net buying
Buy transactions
6
263.79K shares
Sell transactions
2
13.00K shares
Net transactions
+8
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
1.49M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 18, 26 | SAGLIOCCA ANDREW C Chief Executive Officer |
SELL | 10.00K | $1.23M | Direct |
| Sep 14, 26 | O ROURKE MICHAEL G Officer and Director |
CONVERSION | 5.95K | $116.50K | Direct |
| Aug 25, 26 | POWERS RICHARD T Director |
STOCK | 51.38K | $0 | Direct |
| Aug 7, 26 | COELHO TONY Director |
CONVERSION | 20.00K | $250.00K | Direct |
| Aug 4, 26 | CARONIA LEONARD S Director |
CONVERSION | 2.23K | $43.68K | Indirect |
| Jul 31, 26 | CARONIA LEONARD S Director |
STOCK | 98.86K | $0 | Indirect |
| Jul 31, 26 | O ROURKE MICHAEL G Officer and Director |
STOCK | 85.36K | $0 | |
| Jul 30, 26 | MITZMAN ROBERT J Director |
SELL | 3.00K | $388.79K | Direct |
| Mar 19, 26 | POWERS RICHARD T Director |
SELL | 2.31K | $241.94K | Direct |
| Mar 19, 26 | ZINES SELIG Director |
SELL | 30.00K | $3.19M | Indirect |
| Jan 29, 26 | BADER ERIC S Chief Operating Officer |
STOCK | 3.49K | $0 | Direct |
| Jan 29, 26 | KORNHABER ARI P Officer |
STOCK | 5.12K | $0 | Direct |
| Jan 29, 26 | SAGLIOCCA ANDREW C Chief Executive Officer |
STOCK | 8.15K | $0 | Direct |
| Jan 29, 26 | LACAPRIA MICHAEL Chief Financial Officer |
STOCK | 1.16K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BADER ERIC S |
Chief Operating Officer | 141.12K | Stock Award(Grant) |
CARONIA LEONARD S |
Director | — | Conversion of Exercise of derivative security |
COELHO TONY |
Director | 116.28K | Conversion of Exercise of derivative security |
KORNHABER ARI P |
Officer | 121.74K | Stock Award(Grant) |
MELOHN JOSEPH |
Director | 147.75K | Stock Award(Grant) |
MITZMAN ROBERT J |
Director | 144.68K | Sale |
O ROURKE MICHAEL G |
Officer and Director | 91.31K | Conversion of Exercise of derivative security |
SAGLIOCCA ANDREW C |
Chief Executive Officer | 288.80K | Sale |
WATERHOUSE KEVIN C. |
Director | 147.35K | Stock Award(Grant) |
ZINES SELIG |
Director | — | Sale |
Fundamentals
Market cap$1.41B
Enterprise value$1.13B
Revenue (TTM)$149.31M
Gross profit$149.31M
EBITDA—
Net income$52.71M
EPS (TTM)$6.06
Free cash flow—
Total cash$242.18M
Total debt$2.17M
Book value / share$37.89
Shares outstanding12.10M
Float10.39M
Short % of float9.28%
Dividend yield0.69%
Beta (5Y)0.40
Valuation & profitability ratios
Trailing P/E19.21
Forward P/E13.75
PEG ratio—
Price / sales—
Price / book3.07
EV / revenue7.55
EV / EBITDA—
Gross margin0.00%
Operating margin49.76%
Profit margin35.30%
Return on equity18.26%
Return on assets2.31%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $146.56M | $124.82M | $113.52M | $84.27M | +17.4% |
| Operating revenue | $146.56M | $124.82M | $113.52M | $84.27M | +17.4% |
| Selling, general & admin | $47.05M | $42.30M | $35.10M | $27.79M | +11.2% |
| Pre-tax income | $65.65M | $59.28M | $55.88M | $38.80M | +10.7% |
| Tax provision | $14.83M | $15.62M | $14.87M | $10.28M | -5.1% |
| Net income | $50.82M | $43.66M | $41.01M | $28.52M | +16.4% |
| Net income to common | $50.82M | $43.66M | $41.01M | $28.52M | +16.4% |
| Basic EPS | 6.30 | 5.58 | 5.31 | 3.73 | +12.9% |
| Diluted EPS | 5.87 | 5.14 | 4.91 | 3.47 | +14.2% |
| Basic shares | 8.06M | 7.82M | 7.72M | 7.64M | +3.1% |
| Diluted shares | 8.66M | 8.49M | 8.35M | 8.11M | +2.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $235.89M | $126.33M | $165.21M | $164.12M | +86.7% |
| Accounts receivable | $12.64M | $10.12M | $9.13M | $5.77M | +24.9% |
| Property, plant & equipment | $4.38M | $2.44M | $2.60M | $2.70M | +79.8% |
| Total assets | $2.37B | $1.89B | $1.62B | $1.40B | +25.0% |
| Total liabilities | $2.08B | $1.66B | $1.42B | $1.24B | +25.4% |
| Retained earnings | $197.79M | $152.93M | $114.26M | $77.71M | +29.3% |
| Shareholder equity | $289.60M | $237.09M | $198.56M | $158.16M | +22.1% |
| Net tangible assets | $289.60M | $237.09M | $198.56M | $158.16M | +22.1% |
| Shares issued | 8.71M | 8.47M | 8.36M | 8.24M | +2.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $50.82M | $43.66M | $41.01M | $28.52M | +16.4% |
| Depreciation & amortisation | $3.68M | $3.29M | $2.54M | $2.55M | +12.1% |
| Stock-based compensation | $4.95M | $3.83M | $3.22M | $2.44M | +29.1% |
| Change in working capital | -$9.24M | -$12.11M | -$1.46M | $3.73M | +23.7% |
| Operating cash flow | $59.84M | $42.21M | $42.40M | $38.80M | +41.8% |
| Capital expenditure | -$5.58M | -$3.15M | -$3.00M | -$1.24M | -77.3% |
| Investing cash flow | -$362.09M | -$308.27M | -$215.40M | -$221.50M | -17.5% |
| Share buybacks | $0 | $0 | -$286.00K | $0 | — |
| Dividends paid | -$5.86M | -$4.85M | -$3.72M | -$2.15M | -20.9% |
| Financing cash flow | $411.81M | $227.17M | $174.09M | $197.67M | +81.3% |
| Free cash flow | $54.26M | $39.06M | $39.40M | $37.56M | +38.9% |
| End cash position | $235.89M | $126.33M | $165.21M | $164.12M | +86.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $42.13M | $40.46M | $39.40M | $37.57M | $35.83M | +4.1% |
| Operating revenue | $42.13M | $40.46M | $39.40M | $37.57M | $35.83M | +4.1% |
| Selling, general & admin | $13.94M | $13.52M | $12.43M | $12.11M | $11.32M | +3.1% |
| Pre-tax income | $18.13M | $17.10M | $17.43M | $17.46M | $15.24M | +6.0% |
| Tax provision | $5.15M | $4.89M | $3.97M | $3.40M | $3.35M | +5.3% |
| Net income | $12.98M | $12.21M | $13.47M | $14.06M | $11.89M | +6.3% |
| Net income to common | $12.98M | $12.21M | $13.47M | $14.06M | $11.89M | +6.3% |
| Basic EPS | 1.57 | 1.48 | 1.66 | 1.74 | 1.48 | +6.1% |
| Diluted EPS | 1.49 | 1.40 | 1.55 | 1.62 | 1.38 | +6.4% |
| Basic shares | 8.27M | 8.25M | 8.13M | 8.09M | 8.03M | +0.3% |
| Diluted shares | 8.73M | 8.70M | 8.70M | 8.69M | 8.64M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $242.18M | $222.22M | $235.89M | $240.76M | $162.97M | +9.0% |
| Accounts receivable | $13.57M | $13.30M | $12.64M | $11.69M | $11.09M | +2.0% |
| Property, plant & equipment | $3.98M | $4.19M | $4.38M | $4.41M | $4.23M | -5.0% |
| Total assets | $2.51B | $2.42B | $2.37B | $2.18B | $2.06B | +3.7% |
| Total liabilities | $2.20B | $2.12B | $2.08B | $1.91B | $1.80B | +3.6% |
| Retained earnings | $219.50M | $208.26M | $197.79M | $185.82M | $173.27M | +5.4% |
| Shareholder equity | $313.85M | $301.27M | $289.60M | $279.23M | $263.56M | +4.2% |
| Net tangible assets | $313.85M | $301.27M | $289.60M | $279.23M | $263.56M | +4.2% |
| Shares issued | 8.65M | 8.79M | 8.71M | 8.68M | 8.62M | -1.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $12.98M | $12.21M | $13.47M | $14.06M | $11.89M | +6.3% |
| Depreciation & amortisation | $1.05M | $991.00K | $921.00K | $939.00K | $915.00K | +5.8% |
| Stock-based compensation | $1.68M | $2.04M | $1.37M | $1.30M | $1.19M | -17.7% |
| Change in working capital | -$4.23M | $1.49M | -$1.97M | -$1.38M | -$6.70M | -384.6% |
| Operating cash flow | $14.52M | $19.51M | $16.79M | $16.75M | $10.49M | -25.6% |
| Capital expenditure | -$553.00K | -$627.00K | -$697.00K | -$1.38M | -$1.76M | +11.8% |
| Investing cash flow | -$70.01M | -$71.19M | -$199.62M | -$35.05M | -$113.83M | +1.7% |
| Dividends paid | -$1.67M | -$1.66M | -$1.64M | -$1.42M | -$1.40M | -0.8% |
| Financing cash flow | $75.45M | $38.01M | $177.96M | $96.08M | $93.27M | +98.5% |
| Free cash flow | $13.96M | $18.88M | $16.10M | $15.37M | $8.73M | -26.1% |
| End cash position | $242.18M | $222.22M | $235.89M | $240.76M | $162.97M | +9.0% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.55 | 1.60 | +3.0% |
| Mar 2026 | 1.52 | 1.40 | -7.7% |
| Dec 2025 | 1.53 | 1.55 | +1.3% |
| Sep 2025 | 1.47 | 1.47 | +0.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.89 | 3 | $52.16M | +66.4% |
| Next quarter | 1.95 | 3 | $61.13M | +83.7% |
| Current year | 7.06 | 3 | $183.06M | +50.7% |
| Next year | 8.41 | 3 | $260.37M | +42.2% |
Analyst targets & ownership
Mean target$134.00
High target$140.00
Low target$125.00
Implied upside15.08%
Analyst count3
ConsensusBUY
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders12.67%
Held by institutions54.16%
Institutions holding240
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
119.33
-2.42% from price
SMA 20
120.15
-3.08% from price
SMA 50
121.68
-4.31% from price
SMA 100
118.29
-1.56% from price
SMA 200
112.98
+3.06% from price
EMA 12
118.98
-2.13% from price
EMA 26
119.53
-2.58% from price
EMA 50
119.62
-2.66% from price
RSI (14)
42.5
Neutral
MACD (12,26,9)
-0.55
Hist -0.40
ATR (14)
3.40
2.92% of price
Realised vol 30D
26.2%
Annualised
Bollinger upper
124.50
20, 2σ
Bollinger lower
115.79
20, 2σ
50 / 200 cross
Golden
121.68 vs 112.98
Trend bias
Above 200
+3.06%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.55
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
26.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.1%
Peak to trough
Max drawdown 5Y
-25.1%
Peak to trough
ATR 14
3.40
2.92% of price
Beta (reported)
0.40
5Y monthly, from filing
Short interest
Shares short
1.02M
Prior 939.65K
Change vs prior
+8.2%
Shorts adding
% of float
9.28%
Normal
% of shares out
8.40%
Against total outstanding
Days to cover
6.3
Crowded exit
Float
10.39M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Mar 13, 26 | Raymond James | UPGRADE | Market Perform | Strong Buy |
| Jan 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 29, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 25, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 11, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 29, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 25, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jan 27, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jan 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 24, 25 | Raymond James | DOWNGRADE | Strong Buy | Market Perform |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 25, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$0.80 / yr
Forward yield0.69%
5-year avg yield0.68%
Payout ratio12.38%
Ex-dividend dateAug 14, 2026
Next pay dateSep 1, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Offering Registrations
S-8 · 2026-08-03
Corporate Changes & Voting Matters
8-K · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-07-23
Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions
425 · 2026-06-24
Corporate Changes & Voting Matters
8-K · 2026-06-09
Corporate Changes & Voting Matters
8-K · 2026-05-28
Periodic Financial Reports
10-Q · 2026-05-11
Headlines
3 US Bank Stocks Built For Higher Money Market Yields
Simply Wall St. · 11d ago
Esquire Financial Holdings Insider Sold Shares Worth $1,227,300, According to a Recent SEC Filing
MT Newswires · 16d ago
Esquire Financial (ESQ) Upgraded to Buy: Here's What You Should Know
Zacks · 33d ago
Esquire Bank Named a Top Deposit Franchise by S&P Global Market Intelligence for Third Consecutive Year
PR Newswire · 35d ago
Esquire Financial Holdings Ranks #3 Among Top-Performing U.S. Banks in Bank Director's 2026 RankingBanking
PR Newswire · 43d ago
Esquire Financial Holdings Insider Sold Shares Worth $388,792, According to a Recent SEC Filing
MT Newswires · 65d ago
Esquire Financial Holdings, Inc. (ESQ) is a Great Momentum Stock: Should You Buy?
Zacks · 65d ago
Esquire Financial Closes Acquisition of Signature Bancorporation
MT Newswires · 65d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.