Esquire Financial Holdings Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
3analysts covering
FY Revenue (est.)
$180.7Mnext fiscal year
FY EPS (est.)
$6.90next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly604.0%Target: Approximately 5.90% through year-end 2026
Return on Average Assets (ROAA) Annually2.4Target: Top-tier industry performance (typically >2.00%)
Return on Average Equity (ROAE) Annually19.4Target: Top-tier industry performance (typically >18.00%)
Efficiency Ratio Annually4,860.0%Target: Sub-50% operational efficiency
Watch Items
- Integration of Signature Bancorporation, Inc. MergerTrigger: Closing expected in Q3 2026; target combined assets of $4.8 billionAction: Monitor post-merger cost synergies (target ~5% savings), EPS accretion (projected 23% in 2027), and NIM dilution from Signature's lower standalone NIM of 4.13%.
- Net Interest Margin CompressionTrigger: NIM falling below 5.80%Action: Assess the impact of Federal Reserve interest rate cuts on variable-rate commercial litigation loans and evaluate the stability of low-cost escrow deposits.
Research as of 19 Jun 2026