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ESQ
Volume: 74.35K

ESQ Stock Forecast & Price Target

ESQ Analyst Ratings

Based on 2 analyst ratings
Hold
Strong Buy 0%
Buy 50%
Hold 50%
Sell 0%
Strong Sell 0%

Bulls say

Esquire Financial Holdings Inc. has demonstrated strong regulatory capital with its Total Risk-Based Capital (RBC) and Common Equity Tier 1 (CET1) ratios increasing approximately 40 basis points sequentially, reaching 16.52% and 15.27%, respectively. The company's net interest income (NII) surpassed expectations, reflecting a 7.1% quarter-over-quarter increase supported by higher average earning asset (AEA) balances and an improved AEA yield, which is expected to bolster overall financial performance. Furthermore, robust loan growth of 14% annualized in the third quarter, alongside a significant 22% increase in end-of-period deposits, underpins a positive outlook for the company's lending activities and overall financial health moving forward.

Bears say

Esquire Financial Holdings Inc. has faced a decline in noninterest income, which decreased by 0.1% quarter-over-quarter, with projections indicating a further decrease of 1% in 2025 and only modest growth of 7% in 2026. The company is also contending with risks that could hinder its earnings outlook, including potential slowdowns in its litigation business, fraud within its merchant services, cybersecurity threats, and credit deterioration in its New York-centric commercial real estate portfolio. Furthermore, a negative impact on net interest margin (NIM) of approximately 10 basis points has been attributed to excess cash, raising concerns about the company's ability to effectively utilize its capital for growth.

ESQ has been analyzed by 2 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 50% recommend Buy, 50% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Esquire Financial Hlds and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Esquire Financial Hlds (ESQ) Forecast

Analysts have given ESQ a Hold based on their latest research and market trends.

According to 2 analysts, ESQ has a Hold consensus rating as of Jan 13, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $113, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $113, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Esquire Financial Hlds (ESQ)

Volume: 74.35K

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