What is the 13F Pro Quality Score for ESQ?

13F Pro ranks Esquire Financial Holdings, Inc. (ESQ) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ESQ's current score at https://13fpro.ai/company/ESQ (free sign-up required for the full ranking).

Where does 13F Pro source ESQ data?

All Esquire Financial Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Esquire Financial Holdings, Inc. files with the SEC under CIK 1531031. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ESQ in?

Esquire Financial Holdings, Inc. (ESQ) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ESQ research updated on 13F Pro?

ESQ's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Esquire Financial Holdings, Inc.(ESQ)Stock Analysis

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SEC EDGAR: CIK 1531031 ESQ stock profile & AI dashboard →

13F Pro Quality Score

56.8/100

Rank #1,137 of 2,961 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

76.8/100

Profitability

89.8/100

Balance Sheet

55.2/100

Earnings Quality

54.7/100

Free Cash Flow

91.7/100

Institutional Flow

2.6/100

Revenue Scale

21.0/100

Dilution Risk

30.4/100

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Why ESQ Scores 57/100

exact factor attribution · 2026-09-11

ESQ's composite is driven by profitability and revenue growth, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.0 pts

90th pct

Revenue growth

+7.2 pts

77th pct

Free cash flow

+6.3 pts

92th pct

Earnings growth

+1.2 pts

68th pct

Capital efficiency

+0.7 pts

55th pct

Earnings quality

+0.5 pts

55th pct

Shareholder dilution

-1.3 pts

30th pct

Institutional flow

-3.2 pts

3th pct

Scale

-5.8 pts

21th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ESQ Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Esquire Financial Holdings, Inc. (ESQ), a Financials sector company. 13F Pro's AI-powered ranking engine scores ESQ at 56.8/100 on a 32-signal composite quality model, placing it at rank #1,137 of 2,961 stocks — the top half of the AI-ranked universe. ESQ scores in the top quartile across free cash flow (91.7), profitability (89.8), revenue growth (76.8). Areas of concern include institutional flow (2.6) and revenue scale (21.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 30.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Esquire Financial Holdings, Inc. reports quarterly revenue of $42.1M, net income of $13.0M, an operating margin of 43.0%. Top institutional holders of ESQ by reported 13-F value include BlackRock, Mawer Investment Management Ltd., BASSWOOD CAPITAL MANAGEMENT, L.L.C., based on the most recent SEC filings. ESQ trades on the Nasdaq exchange and files with the SEC under CIK 1531031. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ESQ daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Esquire Financial Holdings, Inc. directly from SEC EDGAR. Esquire Financial Holdings, Inc.'s 13F Pro composite quality score has ranged between 33 and 57 since 2026, currently 56.8 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about Esquire Financial Holdings, Inc.

Quirks, history, and lore behind ESQ — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in Long Island, New York.
2
The Numbers
Total assets in the range of $1–2 billion — tiny by Wall Street standards — yet it consistently posts strong returns on equity by keeping its focus razor-narrow.
3
The History
Founded in the 2000s, it grew by targeting a very specific clientele rather than chasing the mass retail banking market that big banks fight over.
4
The Secret
Its core business is lending to plaintiffs' attorneys and law firms — financing the legal industry rather than Main Street consumers or corporations.
5
The Lore
While most community banks chase mortgages and auto loans, this one built its niche around law firm banking, settlement funding, and legal-industry deposits — a lane almost no competitor bothered to enter.
6
The Giveaway
Its ticker shares a name with a legendary men's magazine, and its whole business is literally banking for lawyers — which is either brilliant or a punchline depending on your feelings about attorneys.

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Revenue

Q2 2026

$42.1M

Net Income

Q2 2026

$13.0M

Free Cash Flow

Q2 2026

$14.4M

Operating Margin

Q2 2026

43.0%

ROIC

Q2 2026

23.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+17.4% YoY

$146.6MFY 2025

FY22 $84.3MFY23 $113.5MFY24 $124.8MFY25 $146.6M

Net Income

+16.4% YoY

$50.8MFY 2025

FY22 $28.5MFY23 $41.0MFY24 $43.7MFY25 $50.8M

EPS (Diluted)

+14.2% YoY

$5.87FY 2025

FY22 $3.47FY23 $4.91FY24 $5.14FY25 $5.87

Total Assets

+25.0% YoY

$2.37BFY 2025

FY22 $1.40BFY23 $1.62BFY24 $1.89BFY25 $2.37B

Op. Cash Flow

+41.8% YoY

$59.8MFY 2025

FY22 $38.8MFY23 $42.4MFY24 $42.2MFY25 $59.8M

Free Cash Flow

+36.6% YoY

$56.7MFY 2025

FY22 $38.7MFY23 $41.8MFY24 $41.5MFY25 $56.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$146.6M +17.4%	$124.8M +10.0%	$113.5M +34.7%	$84.3M +30.2%	$64.7M +24.3%	$52.1M
Net Income	$50.8M +16.4%	$43.7M +6.5%	$41.0M +43.8%	$28.5M +59.1%	$17.9M +42.1%	$12.6M
EPS (Diluted)	$5.87 +14.2%	$5.14 +4.7%	$4.91 +41.5%	$3.47 +53.5%	$2.26 +37.0%	$1.65
Total Assets	$2.37B +25.0%	$1.89B +17.0%	$1.62B +15.9%	$1.40B +18.4%	$1.18B +25.8%	$936.7M
Operating Cash Flow	$59.8M +41.8%	$42.2M -0.4%	$42.4M +9.3%	$38.8M +29.0%	$30.1M +92.9%	$15.6M
Free Cash Flow	$56.7M +36.6%	$41.5M -0.7%	$41.8M +7.9%	$38.7M +33.2%	$29.1M +95.9%	$14.8M

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Available Research

13F Pro tracks comprehensive data for Esquire Financial Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ESQ

BlackRock, Inc.
$71.7M601,624 sh
Mawer Investment Management Ltd.
$69.5M583,871 sh
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
$44.0M369,416 sh
STATE STREET CORP
$42.0M352,787 sh
VANGUARD CAPITAL MANAGEMENT LLC
$37.8M317,112 sh
Ampfield Management, L.P.
$37.3M313,470 sh
Copeland Capital Management, LLC
$35.3M296,535 sh
WASATCH ADVISORS LP
$34.8M292,242 sh
AMERICAN CENTURY COMPANIES INC
$29.3M245,685 sh
GEODE CAPITAL MANAGEMENT, LLC
$28.9M242,287 sh

Fund	Value	Shares
BlackRock, Inc.	$71.7M	601,624
Mawer Investment Management Ltd.	$69.5M	583,871
BASSWOOD CAPITAL MANAGEMENT, L.L.C.	$44.0M	369,416
STATE STREET CORP	$42.0M	352,787
VANGUARD CAPITAL MANAGEMENT LLC	$37.8M	317,112
Ampfield Management, L.P.	$37.3M	313,470
Copeland Capital Management, LLC	$35.3M	296,535
WASATCH ADVISORS LP	$34.8M	292,242
AMERICAN CENTURY COMPANIES INC	$29.3M	245,685
GEODE CAPITAL MANAGEMENT, LLC	$28.9M	242,287

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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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Is ESQ a good stock to buy?

13F Pro's AI-powered analysis of Esquire Financial Holdings, Inc. (ESQ) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ESQ are available on the ESQ stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. ESQ is classified as a small company.

Which hedge funds own ESQ?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ESQ. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Esquire Financial Holdings, Inc.'s investment landscape.