Esquire Financial Holdings, Inc. (ESQ) Fair Value 2026

ESQ · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.1 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-28, Esquire Financial Holdings, Inc. (ESQ) trades at $112.35, versus a $57.71 median fair value across its 5 active models — 48.6% below the current price. QOC: 9.1/10. Value Trap Risk: 15/100 (SAFE). 5/13 models active.

Key Facts

Ticker
ESQ
Price
$112.35
Quality Score
9.1/10
Value Trap Risk
15/100
Models Active
5/13
Last Updated
Strength: Quality Score of 9.1/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Esquire Financial Holdings, Inc. (ESQ) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Esquire Financial Holdings, Inc. (ESQ) appears overvalued as of : the median of 5 independent fair value estimates is $57.71, 48.6% below the current price of $112.35. Estimates range from $23.77 to $132.17. ESQ scores 9.1/10 on fundamental quality and 15/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. ESQ’s -48.6% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Esquire Financial Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give ESQ?

5 Intrinsic Value Models vs. Current Price ($112.35)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $57.71 -48.6%
Intrinsic · High Conviction
 $23.77 -78.8%
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What Is ESQ's Fair Value Range?

Spread across 5 independent models · $23.77 to $132.17

CirclFi's 5 active models place Esquire Financial Holdings, Inc. (ESQ) between $23.77 and $132.17 per share, a spread of 188% of the median. The median of that range — $57.71 — is the fair value CirclFi publishes for ESQ, against a current price of $112.35.

Low · Markov DDMHigh · Regime Cross
$23.77median $57.71$132.17
Where the range comes from
Most bearish modelMarkov DDM$23.77
Most bullish modelRegime Cross-Sectional$132.17
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for ESQ. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on ESQ, not a CirclFi price target. How each model works →

What Is Esquire Financial Holdings, Inc. (ESQ) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Esquire Financial Holdings, Inc.'s intrinsic value is estimated at $57.71, suggesting the stock is overvalued at its current price of $112.35. With 4 out of 5 models flagging downside (-48.6% vs price), the market may be pricing in unsustainable growth. Model dispersion is worth noting: Regime Cross targets $132.17 (+17.6%), versus Markov DDM at $23.77 (-78.8%). This +96.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About ESQ?

5 of 13 models are currently active for ESQ. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for ESQ is $57.71 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does ESQ Rank in Banks - Regional?

Among 352 Banks - Regional stocks, ESQ ranks #2 by Quality of Company score. CirclFi's QOC score of 9.1/10 evaluates 32 fundamental signals. A score of 9.1 places ESQ in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Esquire Financial Holdings, Inc. competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is ESQ a Value Trap?

CirclFi's Value Trap algorithm assigns ESQ a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Esquire Financial Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Esquire Financial Holdings, Inc.'s fundamental quality profile registers 9.1/10. This exceptional score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +96.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every ESQ valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across ESQ's 5 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Esquire Financial Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

9 related Banks - Regional stocks with 13-model coverage

STBAS&T Bancorp, Inc.QOC 9.3PEBOPeoples Bancorp Inc.QOC 9.1AGBKAGI IncQOC 4.2OFGOFG BancorpQOC 9.0SHFSSHF Holdings, Inc.QOC 4.4BFSTBusiness First Bancshares, Inc.QOC 9.0PBFSPioneer Bancorp, Inc.QOC 8.4BVFLBV Financial, Inc.QOC 8.0RBBRBB BancorpQOC 7.5

Read investment analysis: STBA · PEBO · AGBK · OFG · SHFS · BFST · PBFS · BVFL · RBB

Which Other Stocks Have a Similar Quality Score to ESQ?

7 companies across all industries closest to ESQ’s Quality of Company score of 9.1/10.

CRSCarpenter Technology CorporationQOC 9.1CRVLCorVel CorporationQOC 9.1TRVThe Travelers Companies, Inc.QOC 9.1BSYBentley Systems, IncorporatedQOC 9.1NDSNNordson CorporationQOC 9.1MUMicron Technology, Inc.QOC 9.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CRS · CRVL · TRV · BSY · NDSN · MU · NVDA

Where Does ESQ Sit in CirclFi's Banks - Regional Rankings?

ESQ is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Esquire Financial Holdings, Inc.’s Valuation?

What is Esquire Financial Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Esquire Financial Holdings, Inc. (ESQ)'s intrinsic value at $57.71 — the median of 5 independent model estimates as of 2026-08-28, ranging from $23.77 to $132.17. The Quality of Company score is 9.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is ESQ overvalued or undervalued right now?

At $112.35, 1 of 5 active models suggest ESQ may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $57.71, 48.6% below the current price of $112.35 — a consensus view that ESQ is overvalued. The assessment depends on which methodology best fits Esquire Financial Holdings, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 9.1 mean for ESQ?

Esquire Financial Holdings, Inc.'s QOC of 9.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on ESQ?

CirclFi analyzes ESQ with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on ESQ?

Of the 5 models currently active on ESQ, Regime Cross-Sectional is the most bullish at $132.17 per share, and Markov DDM is the most bearish at $23.77. CirclFi's published fair value for ESQ is the median of that range, $57.71, not either extreme. The gap between the two ends equals 188% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is ESQ a value trap in 2026?

Esquire Financial Holdings, Inc.'s Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Esquire Financial Holdings, Inc. (ESQ) has a median fair value of $57.71 — 48.6% below the current price of $112.35 — as of 2026-08-28.” Source: circlfi.com/stock/ESQ/ · Methodology
Primary sources for this ESQ valuation
  • Financial statements: Esquire Financial Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001531031) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for ESQ as of ; valuations recomputed .

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