Should I buy, hold, or sell ESQ stock right now?

Esquire Financial Holdings Inc. (ESQ) currently earns a Roarable Rating of C- (Hold — HOLD) with 60/100 RQD Confidence. Solid steady margins (steady margins), mixed timing at current multiples—hold if owned, no rush to chase.

What is ESQ's 12-month price target and RQD AI Jury consensus?

ESQ's 12-month base price target is $126.08 (range $98.34 to $148.77), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / ESQ

INTR (45) BLX (43) NTB (63) BBAR (43) ⌘ Pro Terminal →

Esquire Financial Holdings Inc. (ESQ) — RQD Stock Rating Cockpit

$124.96 -2.15% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $124.24

Esquire Financial Holdings Inc. (ESQ) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $1.51B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ESQ Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ESQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Esquire Financial Holdings Inc. (NASDAQ: ESQ) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $124.96 (-2.15% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, ESQ ranks #394 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ESQ compare to INTR and BLX in the Financials sector?

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Within the Financials sector (Commercial Banks), ESQ carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, INTR (Inter & Co. Inc. (Class A)) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $1.77B) and BLX (Bladex Inc. Class E) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $1.84B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ESQ?

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Per ESQ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001531031), Esquire Financial Holdings Inc. generated $993.6M in revenue (+25.0% YoY), $0 in net income, and $56.7M in free cash flow against $2.37B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $124.24 (-0.58%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 5.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ESQ)Realized 20D OHLCV Swing Band: ±6.2%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY ESQ SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 5.7% FCF Margin ($56.7M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±6.2% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$120.18-0.8% Next Q

Q2 (-2Q)

Grade C$119.21+8.8% Next Q

Q3 (-1Q)

Grade C$129.70-3.7% Next Q

Current

Grade C-$124.96+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ESQ Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, ESQ faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($119.79) or 200D SMA ($114.59) invalidates the momentum regime and cuts Target Base ($126.08) toward Bear Floor ($98.34).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ESQ• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ESQ Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

2 / 99-Pt Accounting

52-WEEK LASER RANGE76% OF RANGE

L: $93$124.96H: $135

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on ESQ

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

14.0% ROIC with 42.0% gross margin and 3.67% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like ESQ

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ESQ Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ESQ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.31%▲ ASCENDING TRIANGLE

2026-11-03O $127.7H $127.7L $125.0C $125.0VOL 140.7K

RES: $133.0SUP: $116.0SMA50: $119.8SMA200: $114.6

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ESQ Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ESQ Butterfly Map → + Track ESQ →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. +25.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ESQ today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ESQ. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ESQ today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ESQ)

Financials Rank #394 of 1097 ⚔️ INTR vs ESQ Full Matrix →

1. Head-to-Head Financials Peer Comparison (ESQ vs. INTR, BLX, NTB, BBAR)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Esquire Financial Holdings Inc. (ESQ) ranks #394 by composite RQD confidence (60/100, grade C-) and #481 by equity capitalization ($1.51B). Within this direct 5-issuer industry benchmark cohort, NTB leads on earnings valuation at 9.9x trailing P/E, while NTB leads on capital efficiency and profitability with 20.3% ROIC and — gross margin. NTB currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with ESQ at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ESQ ACTIVE Esquire Financial Holdings Inc.	C-	60/100	—	—	—	-2.15%	$1.51B	Benchmark Subject
INTR Inter & Co. Inc. (Class A)	D	45/100	—	—	—	-3.84%	$1.77B	/intr-vs-esq →
BLX Bladex Inc. Class E	D-	43/100	—	—	—	-6.92%	$1.84B	/blx-vs-esq →
NTB Bank of N.T. Butterfield & Son Limited Voting	C	63/100	9.9x	—	20.3%	-2.01%	$2.25B	/ntb-vs-esq →
BBAR Banco BBVA Argentina S.A. ADS	D-	43/100	—	—	—	-2.76%	$2.37B	/bbar-vs-esq →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001531031 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Esquire Financial Holdings Inc. (ESQ) reported GAAP revenue of $993.6M (+25.0% vs. FY2024 revenue of $794.9M ) , GAAP net income of $0, operating cash flow of $59.8M, and free cash flow of $56.7M (+36.6% YoY). On the balance sheet, ESQ closed FY2025 with $2.37B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$993.6M	$0	$59.8M	$56.7M	$2.37B	—
FY2024 (FY)	2024-12-31	$794.9M	$0	$42.2M	$41.5M	$1.89B	—

3. ESQ Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ESQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ESQ compare to INTR and BLX in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ESQ?

Where is ESQ trading relative to its 50-day, 200-day, and 52-week technical levels?

ESQ last traded at $124.96 (-2.15% on volume of 140,693 shares), positioning the stock +4.32% above its 50-day simple moving average ($119.79) and +9.05% above its 200-day simple moving average ($114.59). Across its 52-week range of $92.96 to $134.82, ESQ sits at the 76.4% percentile with a 14-day RSI of 54.9 (NEUTRAL RANGE) and an implied next-earnings move of ±6.2% ($117.21 to $132.71).

Direct Sub-Reports: ESQ RQD Cockpit ESQ 12M Forecast ESQ Earnings & Move ESQ Dividends & DRIP ESQ Insiders & 13F ESQ Whale Options ESQ Profit Sankey ESQ News & Why

ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

ESQ — Esquire Financial Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Esquire Financial Holdings Inc. (ESQ) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $124.96 (-2.15% 1D, market capitalization $1.51B).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of 3.67%.
Whale 13F & Options Flow (14/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Esquire Financial Holdings Inc. (ESQ) is a NASDAQ-listed issuer in the Financials sector and the Commercial Banks industry. The company is identified only by sector, industry, exchange, and market capitalization of $1.5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Esquire Financial Holdings Inc. (ESQ) reported $993.6M in annual revenue (up from $794.9M in FY2024, +25.0% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2024 ($794.9M revenue, $0 net income) through FY2025, ESQ scaled operating cash flow to $59.8M and free cash flow to $56.7M, backed by $2.37B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C- • RQD 60/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 3.67% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $92.96 – $134.82 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies. Sector context is limited to the Financials sector and Commercial Banks industry.

Key Question #1: Can ESQ sustain or expand its — operating margin and — ROIC against Commercial Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $993.6M and free cash flow of $56.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is ESQ's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ESQ Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Esquire Financial Holdings Inc. (ESQ) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ESQ Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 23h ago

Esquire Financial Holdings, Inc. (ESQ) Surpasses Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Esquire Financial Holdings: A Quality, Niche Small-Cap Bank With A Premium Valuation

Seeking Alpha report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Can Esquire Financial (ESQ) Run Higher on Rising Earnings Estimates?

Yahoo Finance report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

On Dec. 1, Esquire Financial shareholders receive 20 cents per share.

Stock Titan report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Esquire Financial Holdings Declares $0.20 Quarterly Dividend

TradingView report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Esquire Financial (ESQ) Stock Slips As Q3 Earnings Face Margin Questions

Simply Wall St report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Esquire Financial Holdings' Strong Growth Is Impressive, But Not Upgrade-Worthy (ESQ)

Seeking Alpha report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Esquire Financial Holdings, Inc. (ESQ) Reports Next Week: Wall Street Expects Earnings Growth

Yahoo Finance report covering Esquire Financial Holdings Inc. (ESQ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ESQ Bull vs. Bear Conversation Board — What's Your Call at $124.96?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ESQ 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $149.95 (+20.0%)

📌 Pinned Debate

Free cash flow rose from $41.5M to $56.7M while cash grew from $126.3M to $235.9M, and the Q3 news flow reports an earnings beat.

Long ESQ at $124.96 targeting $149.95. Free cash flow rose from $41.5M to $56.7M while cash grew from $126.3M to $235.9M, and the Q3 news flow reports an earnings beat.. Institutional whale score is 14/20 and the risk/reward vs. the $92.96 52-week low is skewed heavily in favor of bulls.

SectorRotator 🐂 BULL

@MeanReversion_88 Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Commercial Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $101.22 (-19.0%)

Spot @ $124.96

The forensic balance sheet scores only 10 of 20 with a Piotroski F-Score of 2 out of 9 and ROIC at 0%, while margin questions are raise

Sitting on the sidelines or leaning short ESQ above $124.96. The forensic balance sheet scores only 10 of 20 with a Piotroski F-Score of 2 out of 9 and ROIC at 0%, while margin questions are raised in the news.. Until Fundamental Cash Engine (14/20) and FCF yield (3.67%) inflect higher, upside is capped near $134.82.