Is EGBN or ESQ more undervalued in 2026?

CirclFi compares Eagle Bancorp, Inc. (EGBN) and Esquire Financial Holdings, Inc (ESQ) using 13 institutional-grade valuation models. EGBN has a Quality of Company score of 6.8/10 while ESQ scores 9.5/10.

Which is a better buy — EGBN 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 EGBN and ESQ valuations compare?

EGBN at $27.13 and ESQ at $109.53 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

EGBN vs ESQ Valuation Comparison 2026 — Intrinsic Value Analysis

EGBN

Banks - Regional

Eagle Bancorp, Inc.

Quality

6.8

out of 10

Value Trap

SAFE

Price

$27.13

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	EGBN Fair Value	EGBN Upside	ESQ Fair Value	ESQ Upside
Bayesian DCF	Intrinsic	$22.35	-17.6%	$59.41	-45.8%
Earnings Power Value	Intrinsic	$36.15	+38.3%	$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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EGBN vs ESQ — Which Stock Is More Undervalued?

ESQ scores higher with a 9.5/10 quality rating vs EGBN's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Eagle Bancorp, Inc. (EGBN) 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.

EGBN currently trades at $27.13 with a QOC of 6.8/10, 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).