Esquire Financial Net Income vs. EBITDA
| ESQ Stock | USD 74.34 2.44 3.18% |
Net Income | First Reported 2015-03-31 | Previous Quarter 10.5 M | Current Value 11.4 M | Quarterly Volatility 3.7 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.77 | 0.87 |
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| Net Profit Margin | 0.42 | 0.4 |
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| Operating Profit Margin | 0.3 | 0.59 |
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| Pretax Profit Margin | 0.57 | 0.55 |
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| Return On Assets | 0.024 | 0.0228 |
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| Return On Equity | 0.2 | 0.19 |
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For Esquire Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Esquire Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Esquire Financial Holdings utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Esquire Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Esquire Financial Holdings over time as well as its relative position and ranking within its peers.
Esquire |
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Esquire Financial. If investors know Esquire will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Esquire Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.17 | Dividend Share 0.6 | Earnings Share 5.14 | Revenue Per Share | Quarterly Revenue Growth 0.143 |
The market value of Esquire Financial is measured differently than its book value, which is the value of Esquire that is recorded on the company's balance sheet. Investors also form their own opinion of Esquire Financial's value that differs from its market value or its book value, called intrinsic value, which is Esquire Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Esquire Financial's market value can be influenced by many factors that don't directly affect Esquire Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Esquire Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Esquire Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Esquire Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Esquire Financial EBITDA vs. Net Income Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Esquire Financial's current stock value. Our valuation model uses many indicators to compare Esquire Financial value to that of its competitors to determine the firm's financial worth. Esquire Financial Holdings is rated # 3 in net income category among its peers. It is rated below average in ebitda category among its peers . At this time, Esquire Financial's Net Income is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Esquire Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Esquire EBITDA vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Esquire Financial |
| = | 41.01 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It is a measure of a company operating cash flow based on data from the company income statement and is a very good way to compare companies within industries or across different sectors. However, unlike Operating Cash Flow, EBITDA does not include the effects of changes in working capital.
Esquire Financial |
| = | (55.88 M) |
In a nutshell, EBITDA is calculated by adding back each of the excluded items to the post-tax profit, and can be used to compare companies with very different capital structures.
Esquire EBITDA Comparison
Esquire Financial is currently under evaluation in ebitda category among its peers.
Esquire Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Esquire Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Esquire Financial will eventually generate negative long term returns. The profitability progress is the general direction of Esquire Financial's change in net profit over the period of time. It can combine multiple indicators of Esquire Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -11.9 M | -11.3 M | |
| Operating Income | 64.3 M | 67.5 M | |
| Net Income From Continuing Ops | 46.3 M | 48.6 M | |
| Income Before Tax | 64.3 M | 67.5 M | |
| Total Other Income Expense Net | 64.3 M | 67.5 M | |
| Net Income Applicable To Common Shares | 32.8 M | 34.4 M | |
| Net Income | 47.2 M | 49.5 M | |
| Income Tax Expense | 17.1 M | 18 M | |
| Net Interest Income | 91.4 M | 95.9 M | |
| Interest Income | 98.2 M | 103.1 M | |
| Change To Netincome | 5.2 M | 4.5 M | |
| Net Income Per Share | 4.78 | 5.02 | |
| Income Quality | 1.19 | 1.13 | |
| Net Income Per E B T | 0.66 | 0.50 |
Esquire Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Esquire Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Esquire Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Esquire Financial's important profitability drivers and their relationship over time.
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Performance AnalysisCheck effects of mean-variance optimization against your current asset allocation |
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Insurance Providers
Companies providing all types of insurance and insurance services. The Insurance Providers theme has 44 constituents at this time.
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Additional Tools for Esquire Stock Analysis
When running Esquire Financial's price analysis, check to measure Esquire Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Esquire Financial is operating at the current time. Most of Esquire Financial's value examination focuses on studying past and present price action to predict the probability of Esquire Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Esquire Financial's price. Additionally, you may evaluate how the addition of Esquire Financial to your portfolios can decrease your overall portfolio volatility.