ESQ Stock Analysis: Buy, Sell, or Hold?
ESQ - Esquire Financial Holdings, Inc. Common Stock
$106.63
-2.91 (-2.66%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ESQ shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: ESQ shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$154.63
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$96.02
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 16.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ESQ is currently trading at $106.63, which is considered fair relative to its 30-day fair value range of $103.90 to $109.00. The stock's valuation (Forward PE: 15.8) is in line with its historical norms (16.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 13.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ESQ is in a uptrend. Immediate support is located at $103.00, while resistance sits at $113.29.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ESQ is in a uptrend. Immediate support is located at $103.00, while resistance sits at $113.29.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$103.90 -
$109.00
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($120.50)
Fair Price Analysis
30-Day Fair Range
$103.90 -
$109.00
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$103.00
Resistance Level
$113.29
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
15.82
Wall Street Target
$120.50
(+10.0%)
Revenue Growth (YoY)
16.4%
Earnings Growth (YoY)
13.6%
Profit Margin
37.1%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
15.8 vs 16.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$107.90
(-2%)
2-Year Target
$106.28
(-3%)
3-Year Target
$104.68
(-4%)
3-Yr Target (if PE normalizes)
(PE: 16→17)
$109.20
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 8.5%)
$197.48
(+80%)
Base:
(SPY PE: 15.8, Growth: 8.5%)
$140.08
(+28%)
Bear:
(PE: 13.4, Growth: 8.5%)
$119.07
(+9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (18x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 17.90 | Current EPS (TTM): $5.87
Bull Case
$136.36
(+28%)
Analyst growth 18.0%, PE expands to 19.7
Base Case
$123.97
(+16%)
Market implied 18.0%, PE stable at 17.9
Bear Case
$71.45
(-33%)
Severe decline -20.0%, PE contracts to 15.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 15.8 to 16.5
Stabilization Target:
$114.26
(+4.3%)
PE Expansion Potential:
+4.3%
Last updated: January 31, 2026 1:29 AM ET
Data refreshes hourly during market hours. Next update: 2:29 AM
Data refreshes hourly during market hours. Next update: 2:29 AM
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Technical Signals Check
Is ESQ showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Joseph Melohn
SELL
1326 shares
2025-08-25
Joseph Melohn
SELL
11000 shares
2025-08-22
Selig Zises
SELL
17000 shares
2025-08-22
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Professional options setups generated by AI based on today's ESQ price and gamma walls.
