Is EFSC or ESQ more undervalued in 2026?

CirclFi compares Enterprise Financial Services C (EFSC) and Esquire Financial Holdings, Inc (ESQ) using 13 institutional-grade valuation models. EFSC has a Quality of Company score of 8.9/10 while ESQ scores 9.5/10.

Which is a better buy — EFSC or ESQ?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do EFSC and ESQ valuations compare?

EFSC at $60.28 and ESQ at $109.53 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

EFSC vs ESQ Valuation Comparison 2026 — Intrinsic Value Analysis

EFSC

Banks - Regional

Enterprise Financial Services C

Quality

8.9

out of 10

Value Trap

SAFE

Price

$60.28

Last close

Models

11/13

Active

ESQ

Banks - Regional

Esquire Financial Holdings, Inc

Quality

9.5

out of 10

Value Trap

—

Price

$109.53

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	EFSC Fair Value	EFSC Upside	ESQ Fair Value	ESQ Upside
Bayesian DCF	Intrinsic	$39.27	-34.9%	$59.41	-45.8%
Earnings Power Value	Intrinsic	$49.04	-18.7%	$71.14	-35.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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EFSC vs ESQ — Which Stock Is More Undervalued?

ESQ scores higher with a 9.5/10 quality rating vs EFSC's 8.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Enterprise Financial Services C (EFSC) and Esquire Financial Holdings, Inc (ESQ) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

EFSC currently trades at $60.28 with a QOC of 8.9/10, while ESQ trades at $109.53 with a QOC of 9.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).