Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Esquire Financial Holdings, Inc. (ESQ)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$126.91-0.35%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
8.47 → 9.04 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for ESQ yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain quarterly dividend at $0.20 per share | It maintains dividends at $0.20 per share quarterly. | Intact | dividend falls below $0.20 per share quarterly | Required source inputs unavailable Cannot calculate Dividend per share from the available matching source inputs. Missing inputs are not treated as zero. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earningsObserved price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
ESQ is a small-cap financial business with a recurring client focus, rather than a clear turnaround or speculative growth story. Its long-term thesis is intact and its recent signal has turned mildly favorable, though management execution is volatile and earnings quality is neutral.
The valuation is expensive versus peers, with a durable premium and a negative expectations gap. The priced-in assessment is tagged as justified, and fragility is low, but the valuation model has low confidence.
Recent financial performance is holding in the top half of the industry, and the latest reported event was an earnings beat. Revenue rose across the supplied periods, but the evidence does not isolate growth from the company’s target clients or payment processing. Signature’s acquisition is complete, while integration results remain unreported; a near-term guidance cut is a key risk despite a quiet risk watch.
Over the multi-year view, the thesis depends on successful Signature integration and growth in Chicago and the Midwest, which are not yet supported by reported results. Near term, guidance and interest rates matter: a guidance cut or Fed rate cuts are stated risks, while continued earnings strength and higher guidance from sector peers would support sector momentum.
The 1-to-3-year read is intact but execution-sensitive: recent results support the business case, while the premium valuation leaves little room for weak guidance or stalled integration. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Esquire Financial Holdings, Inc.'s published investment case. The stated target is >=5.87 USD per share. |
| Intact |
| EPS falls below $5.87 in FY26 |
Diluted EPS: $1.49 per share FY2026-Q2; GAAP. Published target: >=5.87 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Aug 10, 20261.49 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Successful completion of merger with Signature Bancorporation | The merger with Signature Bancorporation supports growth. | Intact | Merger agreement is terminated or materially delayed beyond FY26 | Merger completed Aug 1, 2026 vs target by end of 2026 ESQ completed its merger with Signature Bancorporation effective August 1, 2026, per 8-K filing. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$8.53 → $9.04 · observed estimates
$0.29B → $0.31B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $8.53 | $292,779,000 | 2 / 1 |
| 2026-07-25 | $8.53 | $292,779,000 | 2 / 1 |
| 2026-07-26 | $8.53 | $292,779,000 | 2 / 1 |
| 2026-07-27 | $8.39 | $292,389,500 | 1 / 1 |
| 2026-07-28 | $8.53 | $292,779,000 | 2 / 1 |
| 2026-07-29 | $8.39 | $292,389,500 | 1 / 1 |
| 2026-07-30 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-07-31 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-01 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-02 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-03 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-04 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-05 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-06 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-07 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-08 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-09 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-10 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-11 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-12 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-13 | $8.60 | $262,595,000 | 2 / 1 |
| 2026-08-14 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-15 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-16 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-17 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-18 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-19 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-20 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-21 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-22 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-23 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-24 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-25 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-26 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-27 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-28 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-29 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-30 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-08-31 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-01 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-02 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-03 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-04 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-05 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-06 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-07 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-08 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-09 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-10 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-11 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-12 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-13 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-14 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-15 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-16 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-17 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-18 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-19 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-20 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-21 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-22 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-23 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-24 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-25 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-26 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-27 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-28 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-29 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-09-30 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-01 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-02 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-03 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-04 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-05 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-06 | $8.47 | $294,272,500 | 1 / 1 |
| 2026-10-07 | $8.41 | $295,103,000 | 1 / 1 |
| 2026-10-08 | $8.41 | $295,103,000 | 2 / 2 |
| 2026-10-09 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-10 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-11 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-12 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-13 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-14 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-15 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-16 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-17 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-18 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-19 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-20 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-21 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-22 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-23 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-24 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-25 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-26 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-27 | $8.52 | $295,103,000 | 2 / 2 |
| 2026-10-28 | $8.87 | $302,182,333 | 2 / 2 |
| 2026-10-29 | $9.04 | $309,349,000 | 2 / 2 |
| 2026-10-30 | $9.04 | $309,349,000 | 2 / 2 |
| 2026-10-31 | $9.04 | $309,349,000 | 2 / 2 |
| 2026-11-01 | $9.04 | $309,349,000 | 2 / 2 |
| 2026-11-02 | $9.04 | $309,349,000 | 2 / 2 |
| 2026-11-03 | $9.04 | $309,349,000 | 2 / 2 |
| 2026-11-04 | $9.04 | $309,349,000 | 2 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
2 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.