OakChart

Esquire Financial Holdings Inc

ESQFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:47 PM ET

132.22+0.38 (0.29%)
2026-11-11 21:47 CET
Market cap
1,603.12 USD m
Revenue, TTM
- USD m
Net income, TTM
56.14 USD m
Free cash flow, TTM
63.18 USD m
EPS diluted, TTM
6.01
P/E
22.01
Compare

Price

ESQ against its 20, 50 and 200-day averages
2050200beatmiss
110.00120.00130.00409K818KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26ESQclose 132.2220-day 125.1650-day 121.81200-day 115.21132.2252w high

1.8% under the 52-week high of 134.65 on 13 Aug 2026. 52-week low 94.00 on 9 Mar 2026. Last 15 sessions, 13.2% high to low

Volume 0.42× normal · the line is the 50-bar volume average

Profile

ESQ
52-week range, 94% of the way up
94.00134.65

Esquire Financial Holdings, Inc. is a financial holding company, which engages in the provision of banking and financial solutions. It offers commercial banking services, which serve the financial needs of the legal industry and small business communities, and commercial and retail customers in the New York metropolitan market. The company was founded by Dennis Shields in 2006 and is headquartered in Jericho, NY.

IndexRUT
Employees148
IPOJun 27, 2017
Beta0.35
ATR, 14d3.91
Rel volume0.42
Short float11.94%
Insider own13.37%
Inst own53.35%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.61B
Enterprise Value-
Income56.14M
Sales208.55M
Book/sh64.69
Cash/sh-
Dividend Est.0.80 (0.61%)
Dividend TTM0.78 (0.59%)
Dividend Ex-DateNov 13, 2026
Dividend Gr. 3/5Y35.72% -
Payout11.93%
Employees148
IPOJun 27, 2017

Ratios

P/E22.01
Forward P/E14.62
PEG0.72
P/S7.71
P/B2.04
P/C-
P/FCF25.46
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.44
Debt/Eq0.02
LT Debt/Eq0.02
Option/ShortNo / Yes

Earnings

EPS (ttm)6.01
EPS next Y9.04
EPS next Q2.15
EPS this Y27.88%
EPS next Y20.47%
EPS next 5Y20.26%
EPS past 3/5Y19.11% 28.87%
Sales past 3/5Y24.21% 25.29%
EPS Y/Y TTM3.50%
Sales Y/Y TTM32.76%
EPS Q/Q-3.02%
Sales Q/Q67.65%
EarningsOct 27 BMO
EPS/Sales Surpr.12.17% 2.44%

Ownership

Insider Own13.37%
Insider Trans-2.67%
Inst Own53.35%
Inst Trans2.65%
ROA1.61%
ROE10.53%
ROIC7.02%
Gross Margin-
Oper. Margin41.96%
Profit Margin26.92%
SMA205.64%
SMA508.54%
SMA20014.76%
Trades-

Technical

Shs Outstand12.16M
Shs Float10.53M
Short Float11.94%
Short Ratio7.54
Short Interest1.26M
52W High134.65 -1.81%
52W Low94.00 40.66%
Volatility3.30% 3.16%
ATR (14)3.91
RSI (14)65.25
Beta0.35
Rel Volume0.42
Avg Volume166.72K
Volume67,771

Performance

Perf Week3.81%
Perf Month10.02%
Perf Quarter0.45%
Perf Half Y26.62%
Perf YTD29.54%
Perf Year34.72%
Perf 3Y183.91%
Perf 5Y266.56%
Perf 10Y-
Recom1.67
Target Price142.67
Prev Close131.84
Price132.22
Change %0.29%

Analyst ratings

latest 5 of 5
DateActionAnalystRating changeTargetImplied
Mar 13, 2026UpgradeRRaymond JamesMkt Perform → Strong Buy$125-5.5%
Jan 24, 2025DowngradeRRaymond JamesStrong Buy → Mkt Perform
Oct 02, 2024DowngradeKKeefe BruyetteOutperform → Mkt Perform$68 → $72-45.5%
Jan 16, 2024InitiatedRRaymond JamesStrong Buy$60-54.6%
Oct 18, 2022InitiatedKKeefe BruyetteOutperform$53-59.9%

Peers

Mkt cap
TickerCompanyMkt cap
AMALAmalgamated Financial Corp1.49B
DCOMDime Commercial Bancshares Inc1.84B
CNOBConnectOne Bancorp Inc1.65B
TBBKBancorp Inc1.94B
PGCPeapack-Gladstone Financial Corp819.36M
CUBICustomers Bancorp Inc2.84B
CASHPathward Financial Inc1.56B
LOBLive Oak Bancshares Inc1.59B
TFINTriumph Financial Inc1.46B
FLGFlagstar Bank NA4.15B

Insider trading

latest 14 of 17
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Coelho AnthonyDirectorOct 29 '26Sale127.0011,6001,473,18555,765Nov 02 04:10 PM
Kornhaber Ari PEVP and Head of Corp DevOct 28 '26Sale128.1520,0002,563,03799,792Oct 30 11:22 AM
ARI KORNHABEROfficerOct 28 '26Proposed Sale128.1520,0002,563,036Oct 28 04:13 PM
Sagliocca Andrew CVice Chairman, President & CEOSep 18 '26Sale122.7310,0001,227,300288,798Sep 21 02:06 PM
Sagliocca Andrew COfficerSep 18 '26Proposed Sale12.7310,000127,303Sep 18 03:39 PM
O'ROURKE MICHAEL GPresident of Chicago Bank DivSep 14 '26Option Exercise19.575,953116,50072,679Sep 15 04:03 PM
Coelho AnthonyDirectorAug 07 '26Option Exercise12.5020,000250,00069,267Aug 10 04:34 PM
CARONIA LEONARDDirectorAug 04 '26Option Exercise19.572,23243,680101,906Aug 06 11:16 AM
Mitzman RobertDirectorJul 30 '26Sale129.603,000388,792139,679Aug 03 12:14 PM
Powers Richard TDirectorMar 19 '26Sale104.832,308241,93658,233Mar 20 03:24 PM
ZISES SELIGDirectorMar 18 '26Sale106.5425,0002,663,5468,501Mar 20 03:23 PM
ZISES SELIGDirectorMar 19 '26Sale105.105,000525,5006,501Mar 20 03:23 PM
Powers Richard TDirectorMar 19 '26Proposed Sale104.892,308242,078Mar 19 03:09 PM
Powers Richard TDirectorJan 05 '26Option Exercise24.901,50037,35060,900Jan 06 02:41 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.14B
DFMCU.S. Micro Cap Portfolio ETF Class SharesAUM: 212.10M

News

latest 14 of 200
  • Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders (PR Newswire)
  • Esquire's First Post-Signature Quarter Beats Handily, Lifts Margin Outlook And Sets A ~$9 2027 EPS Target, But Skeptical Sentiment Shows The Integration Still Has To Prove Itself (Earnings Whispers)
  • Esquire Financial Holdings, Inc. Reports Third Quarter 2026 Results (PR Newswire)
  • Esquire Financial Holdings, Inc. Announces Third Quarter 2026 Earnings Release and Conference Call on October 27, 2026 (PR Newswire)
  • Esquire Bank Named a Top Deposit Franchise by S&P Global Market Intelligence for Third Consecutive Year (PR Newswire)
  • Esquire Financial Holdings Ranks #3 Among Top-Performing U.S. Banks in Bank Director's 2026 RankingBanking (PR Newswire)
  • Esquire Financial Holdings, Inc. Completes Acquisition of Signature Bancorporation, Inc. on August 1, 2026 (PR Newswire)
  • Esquire Financial Holdings, Inc. Declares Regular Quarterly Dividend For Common Stockholders (PR Newswire)
  • Esquire Financial Holdings Inc (ESQ) Q2 2026 Earnings Call Highlights: Strong Net Income and ... (GuruFocus.com)
  • Esquire Financial Holdings, Inc. Reports Second Quarter 2026 Results (PR Newswire)
  • What To Expect From Esquire Financial Holdings Inc (ESQ) Q2 2026 Earnings (GuruFocus.com)
  • Esquire Financial Holdings, Inc. Announces Second Quarter 2026 Earnings Release and Conference Call on July 23, 2026 (PR Newswire)
  • Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Receive Stockholder Approvals for Merger (PR Newswire)
  • Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Announce Final Exchange Ratio for Proposed Merger (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-272.1201.8901.57061.3959.933
2026Q22026-07-231.6001.5601.48742.1341.592
2026Q12026-04-231.5801.5171.40440.4639.533
2025Q42026-01-221.5501.5301.54739.4038.073
2025Q32025-10-231.4701.4671.61837.5736.313
2025Q22025-07-241.3801.3801.37635.8334.343
2025Q12025-04-241.3301.3141.32633.7632.793
2024Q42025-01-231.3701.3751.36833.0632.863
2024Q32024-10-241.3401.3101.33631.9231.493
2024Q22024-07-251.2501.1931.24830.6029.933
2024Q12024-04-251.2001.1701.19729.2529.023
2023Q42024-01-251.1801.1731.17828.9428.913
2023Q32023-10-231.1701.1251.17427.0527.392
2023Q22023-07-251.1001.0501.09826.7825.402
2023Q12023-04-251.1100.9401.46729.5525.201
2022Q42023-01-251.1000.9851.09925.1222.502

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.6900.6800.58525.37-
2018FY1.2401.2401.12935.59-
2019FY1.8201.8401.81745.92-
2020FY1.6501.6501.65152.09-
2021FY2.1102.0302.25664.73-
2022FY3.4703.3603.47284.2781.70
2023FY4.5604.5534.914113.52110.83
2024FY5.1405.1565.144124.82124.6
2025FY5.8705.6305.870146.56144.96
2026FY-7.507--216.62
2027FY-9.043--309.35
2028FY-10.210--346.54

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2733072.6371.1073.90
2026Q4S2026-10-2230069.6568.3970.30
2026Q4S2026-10-0531069.6568.3970.30
2026Q4S2026-07-2720069.3568.3970.30
2026Q4S2026-07-2320069.2868.2770.30
2026Q4S2026-07-1020069.5868.2770.90
2026Q4S2026-05-2630060.9243.5970.90
2026Q4S2026-05-2531060.9243.5970.90
2026Q4S2026-04-2332060.9243.5970.90
2026Q4S2026-04-1132060.8243.5970.40
2026Q4S2026-03-1233060.8243.5970.40
2026Q4S2026-03-1133052.4643.3970.40
2026Q4S2026-01-2633043.6343.3943.90
2026Q4S2026-01-2332043.0441.8343.90

Estimate history

EPS, annual0.5851.1291.8171.6512.2563.4724.9145.1445.8676.007
Period201720182019202020212022202320242025TTM
EPS, quarterly1.3361.3681.3261.3761.6181.5471.4041.4871.569
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual25.9136.80648.4753.27765.8585.83117.626138.268164.497208.55
Period201720182019202020212022202320242025TTM
Sales, quarterly35.19336.95337.66440.11342.36444.35645.48847.68471.023
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual7.3277.5337.6527.7938.0898.1958.2888.3558.55212.16
Period201720182019202020212022202320242025MRQ
Shares, quarterly8.328.3558.4328.58.5658.5528.6378.64912.16
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income181.71139.42113.3791.8960.9944.5338.6336.6628.95
Total Interest Expense25.1717.9413.448.121.650.831.192.551.21
Net Interest Income156.54121.4899.9383.7759.3543.7037.4434.1127.74
Loan Loss Provision10.309.684.704.533.496.966.251.851.38
Net Interest Income After Loan Loss Provision146.24111.8195.2379.2555.8636.7531.1932.2626.36
Non-Interest Income26.8425.0824.8925.7424.8421.3214.6511.817.86
Non-Interest Expense85.5671.2360.8449.1041.8935.3628.6724.9322.30
Operating Income87.5265.6559.2855.8838.8022.7117.1719.1411.92
Unusual Expense11.230.000.000.000.000.000.000.000.00
Net Income Before Taxes76.2965.6559.2855.8838.8022.7117.1719.1411.92
Income Taxes20.1514.8315.6214.8710.284.784.555.003.19
Consolidated Net Income56.1450.8243.6641.0128.5217.9312.6214.148.73
Net Income From Continuing Operations56.1450.8243.6641.0128.5217.9312.6214.148.73
Net Income56.1450.8243.6641.0128.5217.9312.6214.148.73
EPS (Recurring)5.745.875.144.913.472.261.651.821.13
EPS (Basic, Before Extraordinaries)6.356.305.585.313.732.401.701.911.18
EPS (Diluted)6.015.875.144.913.472.261.651.821.13
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.393.913.032.541.931.430.920.800.80
Price To Earnings Ratio21.9521.9516.0310.3313.5214.0011.6814.3219.21
Price To Sales Ratio6.225.374.883.544.143.802.754.194.56
Operating Margin41.9639.9142.8747.5145.2134.4832.2239.4832.40
Net Margin26.9230.9031.5734.8733.2327.2223.6829.1823.73
Shares Outstanding12.168.558.358.298.208.097.797.657.53
Market Capitalization1,603.121,603.12661.54409.88352.54247.20147.05196.62161.58

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income63.1441.3039.0338.2436.1333.5431.5130.78
Total Interest Expense9.635.555.034.964.794.283.903.90
Net Interest Income53.5135.7534.0033.2831.3429.2527.6126.89
Loan Loss Provision1.802.902.702.901.753.521.501.70
Net Interest Income After Loan Loss Provision51.7132.8531.3030.3829.5925.7326.1125.19
Non-Interest Income7.886.386.466.126.236.586.156.17
Non-Interest Expense27.0820.0419.3919.0618.3617.0616.7516.72
Operating Income32.5119.2018.3717.4317.4615.2415.5114.64
Unusual Expense8.891.071.270.000.000.000.000.00
Net Income Before Taxes23.6218.1317.1017.4317.4615.2415.5115.67
Income Taxes6.145.154.893.973.403.354.113.92
Consolidated Net Income17.4812.9812.2113.4714.0611.8911.4111.75
Net Income From Continuing Operations17.4812.9812.2113.4714.0611.8911.4111.75
Net Income17.4812.9812.2113.4714.0611.8911.4111.75
EPS (Recurring)2.131.571.511.551.621.381.331.37
EPS (Basic, Before Extraordinaries)1.651.571.481.661.741.481.431.49
EPS (Diluted)1.571.491.401.551.621.381.331.37
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.371.331.611.081.030.940.860.77
Price To Earnings Ratio21.9520.0418.3217.9418.8817.9314.6416.03
Price To Sales Ratio6.225.785.435.405.655.454.524.94
Operating Margin45.7840.2640.3939.3041.2238.0041.1939.61
Net Margin24.6127.2226.8430.3633.1829.6430.2931.81
Shares Outstanding12.168.658.648.558.578.508.438.35
Market Capitalization1,603.121,029.04928.46874.28871.40800.96635.56661.54

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks235.89126.33165.21164.12149.1665.1961.810.6643.08
Investments309.87313.44202.04242.43201.34172.07149.08178.18130.94
Net Loans1,734.401,376.041,190.78935.07775.44661.02558.38462.47344.71
Investment in Unconsolidated Affiliates9.019.4010.6312.640.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment6.475.624.335.005.715.925.542.692.55
Interest Receivables12.6410.129.135.774.204.533.243.852.84
Deferred Tax Assets13.1514.9913.0411.264.675.013.053.312.39
Other Intangible Assets46.2638.4123.1321.0440.0925.3917.9112.967.27
Total Assets2,367.691,894.371,618.301,397.331,180.60939.13799.01664.13533.78
Total Deposits2,063.011,642.241,407.301,228.241,028.41804.05680.62568.42448.49
Total Debt2.643.502.182.812.993.583.410.090.28
Long Term Debt1.652.461.402.102.352.942.830.090.28
Provision for Risks Charges0.000.000.500.000.000.000.000.000.00
Deferred Tax Liabilities2.031.861.421.691.832.421.000.230.15
Other Liabilities10.419.688.346.433.643.002.912.621.47
Total Liabilities2,078.091,657.271,419.741,239.171,036.87813.05687.95571.36450.40
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity289.60237.09198.56158.16143.74126.08111.0692.7783.38
Total Shareholders Equity289.60237.09198.56158.16143.74126.08111.0692.7783.38
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity289.60237.09198.56158.16143.74126.08111.0692.7783.38
Total Liabilities & Stockholders Equity2,367.691,894.371,618.301,397.331,180.60939.13799.01664.13533.78
Book Value Per Share33.8628.3823.9619.3017.7716.1814.5112.3211.38
Tangible Book Value Per Share33.8628.3823.9619.3017.7716.1814.5112.3211.38
Tier 1 Capital266.11218.42181.16141.01122.06109.95100.7585.3363.81
Tier 2 Capital23.4818.6516.0412.229.088.936.995.634.26
Full-Time Employees14813814011611099867461
Price to Book Ratio2.042.842.212.351.771.191.801.761.74
Return on Assets2.382.492.722.211.691.451.931.460.76
Return on Equity19.3020.0422.9918.8913.2910.6413.889.925.38
Return on Invested Capital17.4518.2220.5117.8012.279.7812.429.414.36
Current Ratio0.430.270.370.470.500.340.320.160.11

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations79.0269.0854.3243.8735.0629.3821.8218.6912.59
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-15.00-9.24-12.11-1.463.730.70-6.23-3.79-3.16
Cash from Operating Activities64.0259.8442.2142.4038.8030.0815.5914.899.43
Capital Expenditures-2.47-5.58-3.15-3.00-1.24-2.94-3.14-0.65-0.57
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses104.760.000.000.000.000.000.000.000.00
Purchase or Sale of Investments133.0011.56-115.5346.95-58.76-33.21-22.642.79-21.88
Purchase of Investments-285.81-48.30-161.69-28.80-85.83-86.83-89.73-28.28-45.29
Sale Or Maturity of Investments418.8159.8646.1575.7427.0753.6267.0931.0723.41
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-270.22-362.09-308.27-215.40-221.50-170.49-135.44-95.90-142.06
Cash Dividends Paid-7.32-5.86-4.85-3.72-2.150.000.000.000.00
Change in Capital Stock1.050.890.51-0.180.330.03-0.170.050.38
Repurchase of Common Pref Stock0.000.000.00-0.290.000.00-0.570.000.00
Sale of Common Pref Stock1.050.890.510.110.330.030.400.050.38
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net0.00-0.00-0.00-0.00-0.00-0.00-0.04-0.00-0.19
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow-4.14-3.99-3.42-1.08-0.340.000.000.000.00
Other Financing Activities Uses-4.14-3.99-3.42-1.08-0.340.000.000.000.00
Cash from Financing Activities436.94411.81227.17174.09197.67224.38123.23112.25120.12
Net Change in Cash230.74109.56-38.881.0914.9783.973.3831.24-12.52
Free Cash Flow63.1856.6841.5041.8038.7229.0714.8414.258.86
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow23.2117.4018.4110.959.718.619.8814.2418.94
Federal Home Loan Advances Increase (Decrease)--0.14-0.11-0.12-0.130.010.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks471.50242.18222.22235.89240.76162.97
Investments522.17299.44319.48309.87330.59325.02
Net Loans3,380.861,877.551,791.551,734.401,525.861,475.19
Investment in Unconsolidated Affiliates0.009.009.009.019.009.00
Net Property, Plant & Equipment7.075.686.096.476.717.03
Interest Receivables21.5913.5713.3012.6411.6911.09
Deferred Tax Assets---13.15--
Other Intangible Assets401.2163.5959.5146.2659.7069.67
Total Assets4,805.402,511.022,421.162,367.692,184.312,059.98
Total Deposits3,977.892,179.692,102.572,063.011,879.441,782.33
Total Debt12.962.172.412.642.453.05
Long Term Debt12.601.711.681.652.572.54
Provision for Risks Charges1.200.000.000.000.000.00
Deferred Tax Liabilities---2.03--
Other Liabilities26.7415.3014.9110.4123.1911.04
Total Liabilities4,018.792,197.172,119.892,078.091,905.081,796.42
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity786.62313.85301.27289.60279.23263.56
Total Shareholders Equity786.62313.85301.27289.60279.23263.56
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity786.62313.85301.27289.60279.23263.56
Total Liabilities & Stockholders Equity4,805.402,511.022,421.162,367.692,184.312,059.98
Book Value Per Share64.6936.2934.8833.8632.6031.01
Tangible Book Value Per Share40.4836.2934.8833.8632.6031.01
Full-Time Employees---148--
Price to Book Ratio2.043.413.173.133.293.18
Return on Assets1.612.312.362.382.482.46
Return on Equity10.5318.2618.7119.3019.1919.30
Return on Invested Capital2.194.114.034.624.994.47
Current Ratio0.440.460.430.430.420.31

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations23.4918.7418.0318.7618.1317.19
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-10.29-4.231.49-1.97-1.38-6.70
Cash from Operating Activities13.2014.5219.5116.7916.7510.49
Capital Expenditures-0.60-0.55-0.63-0.70-1.38-1.76
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses104.760.000.000.000.000.00
Purchase or Sale of Investments111.7519.50-10.7512.495.38-16.29
Purchase of Investments-246.970.00-29.71-9.13-7.40-31.32
Sale Or Maturity of Investments358.7219.5018.9621.6212.7815.03
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities70.59-70.01-71.19-199.62-35.05-113.83
Cash Dividends Paid-2.35-1.67-1.66-1.64-1.42-1.40
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.770.150.110.010.400.47
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.770.150.110.010.400.47
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-0.000.00-0.000.000.000.00
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.00-0.150.00-3.990.000.00
Other Financing Activities Uses0.00-0.150.00-3.990.000.00
Cash from Financing Activities145.5275.4538.01177.9696.0893.28
Net Change in Cash229.3219.96-13.67-4.8777.79-10.07
Free Cash Flow13.0414.3519.3316.4516.259.32
Price to Free Cash Flow23.2117.3216.9317.4819.1620.06

Revenue breakdown

Commercial Banks, NEC2024: 124.82M 2025: 146.56M
United States2024: 124.82M 2025: 146.56M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3011.94%1.3M10.5M163.49K
2026-10-1512.28%1.3M10.5M166.37K
2026-09-3011.94%1.3M10.5M166.98K
2026-09-159.70%1.0M10.5M150.12K
2026-08-318.68%0.9M9.8M136.48K
2026-08-149.56%0.9M9.8M131.64K
2026-07-3111.49%0.8M7.0M124.32K
2026-07-1510.77%0.8M7.2M117.82K
2026-06-3011.23%0.8M7.2M116.19K
2026-06-1510.15%0.7M7.2M110.59K
2026-05-2910.13%0.7M7.2M107.26K
2026-05-1510.97%0.8M7.2M102.19K
2026-04-309.76%0.7M7.2M101.54K
2026-04-159.73%0.7M7.3M98.70K
2026-03-318.94%0.6M7.2M88.93K
2026-03-138.50%0.6M7.2M78.31K
2026-02-278.30%0.6M7.2M75.65K
2026-02-138.77%0.6M7.2M76.32K
2026-01-307.70%0.6M7.2M74.85K
2026-01-159.24%0.7M7.2M63.82K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-10-29SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-28SEC
2026-10-308-KCurrent report2026-10-29SEC
2026-10-28144Filing for proposed sale of securities under Rule 144.SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-158-K/A2026-08-01SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-08-274Statement of changes in beneficial ownership of securities2026-08-25SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-07SEC
2026-08-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-064Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-08-06SCHEDULE 13G/ASEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-01SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-01SEC
2026-08-033Initial statement of beneficial ownership of securities2026-08-01SEC
2026-08-033Initial statement of beneficial ownership of securities2026-08-01SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-07-30SEC
2026-08-038-KCurrent report2026-08-01SEC
2026-08-03S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-07-308-KCurrent report2026-07-30SEC
2026-07-238-KCurrent report2026-07-23SEC
2026-06-24425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-06-248-KCurrent report2026-06-23SEC
2026-06-09425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-06-098-KCurrent report2026-06-09SEC
2026-05-288-KCurrent report2026-05-28SEC
2026-05-1110-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-10004.04M2
2026-09001.23M1
2026-080000
2026-0700388.79K1
2026-060000
2026-050000
2026-040000
2026-03003.43M3
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.6.96%
Mawer Investment Management Ltd.4.31%
BASSWOOD CAPITAL MANAGEMENT, L.L.C.4.28%
STATE STREET CORP4.08%
VANGUARD CAPITAL MANAGEMENT LLC3.67%
Ampfield Management, L.P.3.63%
AMERICAN CENTURY COMPANIES INC2.84%
Copeland Capital Management, LLC2.39%
GEODE CAPITAL MANAGEMENT, LLC2.35%
Langdon Equity Partners2.19%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.69%
iShares Russell 2000 ETF2.21%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF1.88%
Wasatch Micro Cap Fund1.10%
Fidelity Small Cap Index Fund0.92%
VANGUARD EXTENDED MARKET INDEX FUND0.89%
Avantis U.S. Small Cap Value ETF0.88%
iShares Russell 2000 Growth ETF0.78%
ROYCE MICRO-CAP TRUST, INC.0.49%
U.S. SMALL CAP PORTFOLIO0.43%

OakChart. ESQ. Cached 15 minutes.