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New York bank specializing in banking for law firms, litigation funding and payment processing for merchant clients.
New York bank specializing in banking for law firms, litigation funding and payment processing for merchant clients.
Earns from the gap between interest on loans to law firms and litigation funders and the low cost of the deposits law firms leave with it, much of them interest-free, and from fees on merchant card payments it processes for other companies. Its business is national rather than local, even though it is based in New York.
In one line: A niche attorney/litigation-finance bank.
Moat: narrow (customer qualification, process know-how, distribution). Deep specialization in legal-industry banking and card payments niches most banks avoid.
Headquarters: Jericho, New York · Founded: 2006 · Employees: 148
Size Esquire Financial (ESQ) is a United States Financials company (Major Banks) with a market value of $1.57B, the 1958th largest of 3,117 United States companies the cockpit tracks. Shares closed at $129.15 on 6 Nov 2026.
Performance Over six months the shares gained 20.9%, against +6.2% for the median peer and -1.1% for the United States market (cap-weighted) — 7th highest of 20 in its peer set.
Growth Revenue grew 32.8% over the last twelve months (peer median +6.0%); the operating margin is 47.7% (peer median 28.6%).
Valuation It trades at 2.00× book value against a peer median of 0.98× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 10.2%; Esquire Financial delivers 10.5%, so the price asks less than the business earns today.
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $209M | $164M | $138M | $118M | $85.8M |
| Revenue growth | — | +19% | +18% | +37% | — |
| Net income | $56.1M | $50.8M | $43.7M | $41.0M | $28.5M |
| Free cash flow | n/a | $56.7M | $41.5M | $41.8M | $38.7M |
| Capital expenditure | n/a | $5.58M | $3.15M | $3.00M | $1.24M |
| Total debt | n/a | $2.64M | $3.50M | $2.18M | $2.81M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Esquire Financial ESQ | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% |
| Live Oak Bancshares LOB | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% |
| Triumph Financial TFIN | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% |
| Axos Financial AX | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | ESQ | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +9.4% | -0.4% | 3rd highest of 21 |
| 6-month return | +20.9% | +6.2% | 7th highest of 20 |
| Return on equity | 10.5% | 9.3% | 11th highest of 21 |
| Price / book | 2.00× | 0.98× | 3rd most expensive of 21 |
| Trailing P/E | 21.5× | 11.8× | 2nd most expensive of 20 |
| ROE the price implies | 10.2% | 7.4% | 9th most demanding of 21 |
| ROE delivered | 10.5% | 10.7% | 10th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Esquire Financial ESQ | United States | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% | 10.5% |
| Pathward Financial CASH | United States | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% | 20.9% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |
| Punjab & Sind Bank PSB.NS | India | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% | 10.7% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |
| Avarda Bank AVARDA.ST | Sweden | $1.47B | +42% | +22% | 26% | 4.29× | 23.7% | 26.0% |
| Hope Bancorp HOPE | United States | $1.68B | +6% | +7% | 6% | 0.75× | 7.6% | 5.9% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |
| Senshu Ikeda Holdings,Inc 8714.T | Japan | $1.41B | -14% | +29% | 8% | 0.88× | 6.0% | 8.0% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |
| FirstSun Capital Bancorp FSUN | United States | $1.77B | +5% | +45% | 4% | 0.98× | 6.3% | 4.2% |
| Hyakujushi Bank 8386.T | Japan | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% | 5.6% |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| Toho Bank 8346.T | Japan | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% | 6.6% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Old Second Bancorp OSBC | United States | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% | 12.8% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| Norion Bank NORION.ST | Sweden | $1.18B | +33% | -2% | 13% | 1.23× | 6.8% | 12.6% |