Esquire Financial Holdings, Inc. Financial Ratios — ESQ

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	101.59	46.21	42.1	44.1	42.69	32.66	28.97
Return on Assets (%)	- -	0.73	0.76	1.46	1.93	1.45	1.69	2.22	2.72	2.49	2.39
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.59	0.84	1.62	2.23	2.81	3.12	3.45	3.02	2.23	2.63	2.51
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.29	23.19	27.72	33.5	41.68	32.96	35.08	46.04	49.22	47.49	44.8
Profit Margin (%)	7.85	14.27	14.36	24.54	30.8	24.22	27.69	33.84	36.13	34.98	34.68
Net Income to Common Margin (%)	7.85	14.27	14.36	24.54	30.8	24.22	27.69	33.84	36.13	34.98	34.68
Effective Tax Rate (%)	36.17	38.49	48.19	26.75	26.1	26.5	21.06	26.5	26.61	26.35	22.59
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	7.54	9.07	11.1	11.53
Sustainable Growth Rate (%)	- -	- -	- -	- -	101.59	46.21	42.1	40.78	38.82	29.03	25.63

Credit (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	1.61	2.23	0.68	0.11	0.07	0.03	- -	- -	- -	- -	- -
Net Debt/EBITDA	-138.28	-256.76	-104.13	-38.33	-47.84	-40.11	-66.74	-64.39	-65.12	-38.43	-64.03
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-2.44	-1.36	-0.35	1.03	2.63	3.59	4.37	5.57	7.07	8.09	8.36
Long-Term Debt/Equity (%)	0.77	0.71	0.33	0.1	0.08	0.04	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	-4.64	-6.87	-17.28	1.28	0.41	0.15	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	0.11	0.09	0.05	0.01	0.01	0.01	- -	- -	- -	- -	- -
Total Debt/Equity (%)	0.77	0.71	0.33	0.1	0.08	0.04	- -	- -	- -	- -	- -
Total Debt/Capital (%)	-4.64	-6.87	-17.28	1.28	0.41	0.15	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	0.11	0.09	0.05	0.01	0.01	0.01	- -	- -	- -	- -	- -
Net Debt to Equity	-66.31	-81.67	-51.33	-32.85	-55.57	-51.66	-103.77	-103.77	-83.21	-53.28	-81.45
Net Debt/Capital (%)	79.22	88.07	95.78	128.99	151.55	206.63	152.8	190.11	324.81	-473.36	620.54
EBITDA	- -	- -	- -	1	1	2	2	3	3	3	4
EBITDA-CapEx	- -	-2	- -	- -	-1	-2	-1	2	2	3	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-2.44	-1.36	-0.35	1.03	2.63	3.59	4.37	5.57	7.07	8.09	8.36
Long-Term Debt/Equity (%)	0.77	0.71	0.33	0.1	0.08	0.04	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	-4.64	-6.87	-17.28	1.28	0.41	0.15	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	0.11	0.09	0.05	0.01	0.01	0.01	- -	- -	- -	- -	- -
Total Debt/Equity (%)	0.77	0.71	0.33	0.1	0.08	0.04	- -	- -	- -	- -	- -
Total Debt/Capital (%)	-4.64	-6.87	-17.28	1.28	0.41	0.15	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	0.11	0.09	0.05	0.01	0.01	0.01	- -	- -	- -	- -	- -
CFO/Total Liabilities	0.52	1.7	0.88	1.77	2.37	1.92	2.91	3.14	2.99	2.55	2.88
CFO/CapEx	18.46	2.37	20.94	8.07	7.91	4.97	10.22	531.47	70.08	59.12	18.93
Altman's Z-Score	0.01	0.03	0.2	0.24	0.26	0.21	0.25	0.3	0.33	0.4	0.42

Working Capital (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	13.37	11.59	10.64	12.94	13.41	14.84	16.91	15.24	12.97	12.88
Days Sales Outstanding	- -	27.3	31.48	34.31	28.2	27.23	24.6	21.58	23.95	28.15	28.35
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	122	161	193	142	235	330	386	622	823
- Cash & Cash Equivalents	33	43	43	31	62	65	149	164	165	126	236
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-117	-135	-50	-16	-15	-40	-62	57	98	253	340
Total Capital	-8	-5	-2	7	21	34	52	78	114	153	198
Total Debt/Capital (%)	-4.64	-6.87	-17.28	1.28	0.41	0.15	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	-0.01	-0.01	-0.01	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.68	0.86	2.03	2.32
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	22.38	38.7	77.1	92.41
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	1.47	2.32	6	5.69
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	1.47	2.28	5.9	5.4
Diluted Market Cap	- -	- -	124	168	203	147	250	351	417	675	884
Diluted Enterprise Value	-33	-43	81	137	141	82	101	187	252	548	648
EV per Share	- -	- -	- -	- -	- -	- -	- -	7.47	12.73	32.42	42.23
TTM Sales	15	20	25	36	46	52	65	84	114	125	147
TTM EBITDA	- -	- -	- -	1	1	2	2	3	3	3	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	6	4	10	16	16	30	39	42	42	60
TTM Free Cash Flow to Firm	2	9	4	11	18	19	33	39	43	43	63

Multiples (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	29.75	14.76	11.03	7.84	7.57	9.02	9.7	15.72	14.03
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-117	-135	-50	-16	-15	-40	-62	57	98	253	340
Low Price	- -	- -	14.51	17.34	20.61	10.83	18.47	31.59	34.75	44.45	68.9
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.68	0.86	2.03	2.32
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	22.38	38.7	77.1	92.41
Price/Earnings	- -	- -	33.46	18.39	13.65	11.29	13.12	11.59	9.4	14.24	16.19
Price/Earnings Average	- -	- -	27.58	20.43	12.35	10.53	10.91	9.94	8.36	10.11	14.56
Price/Earnings High	- -	- -	39.29	24.96	15.13	15.34	15.63	12.89	10.17	14.63	17.56
Price/Earnings Low	- -	- -	24.59	14.69	10.79	6.37	7.7	8.46	6.54	7.96	10.93
Price/Book Value	- -	- -	-64.61	23.45	9.2	4.24	4.56	4.25	3.37	4.06	4.16
Price/Book Value Average	- -	- -	-53.27	26.06	8.32	3.95	3.79	3.65	3	2.89	3.74
Price/Book Value High	- -	- -	-75.87	31.83	10.19	5.76	5.44	4.73	3.65	4.17	4.51
Price/Book Value Low	- -	- -	-47.49	18.74	7.27	2.39	2.68	3.1	2.35	2.27	2.81
Price/Tangible Book Value	- -	- -	1.46	1.73	1.74	1.13	1.64	2.09	1.94	2.62	2.84
Price/Tangible Book Value Average	- -	- -	1.21	1.92	1.57	1.05	1.36	1.79	1.73	1.86	2.55
Price/Tangible Book Value High	- -	- -	1.72	2.35	1.93	1.53	1.95	2.32	2.1	2.69	3.08
Price/Tangible Book Value Low	- -	- -	1.07	1.38	1.37	0.64	0.96	1.53	1.35	1.47	1.92
Price/Sales	- -	- -	4.81	4.51	4.2	2.73	3.63	3.92	3.4	4.98	5.61
Price/Sales Average	- -	- -	3.96	5.01	3.8	2.55	3.02	3.36	3.02	3.54	5.05
Price/Sales High	- -	- -	5.64	6.12	4.66	3.71	4.33	4.36	3.67	5.12	6.09
Price/Sales Low	- -	- -	3.53	3.61	3.32	1.54	2.13	2.86	2.36	2.78	3.79
Price/Cash Flow	- -	- -	30.64	15.88	11.84	9.14	7.82	8.52	9.09	14.72	13.75
Price/Cash Flow Average	- -	- -	25.26	17.65	10.71	8.52	6.5	7.31	8.09	10.46	12.36
Price/Cash Flow High	- -	- -	35.98	21.56	13.12	12.41	9.31	9.48	9.83	15.13	14.91
Price/Cash Flow Low	- -	- -	22.52	12.69	9.36	5.16	4.59	6.22	6.32	8.23	9.28
Price/Free Cash Flow Average	- -	- -	24.52	16.4	9.98	7.31	6.29	7.74	8.62	11.17	12.62
Price/Free Cash Flow High	- -	- -	34.93	20.03	12.22	10.65	9.01	10.04	10.48	16.15	15.22
Price/Free Cash Flow Low	- -	- -	21.87	11.79	8.72	4.42	4.44	6.59	6.74	8.79	9.47
EV/Sales Average	- -	- -	2.27	4.16	2.46	1.3	0.72	1.42	1.56	2.52	3.44
EV/Sales High	- -	- -	3.96	5.27	3.31	2.46	2.02	2.42	2.22	4.1	4.48
EV/Sales Low	- -	- -	1.85	2.75	1.98	0.29	- -	0.92	0.91	1.77	2.18
EV/EBITDA Average	-138.27	-256.75	140.42	186.16	87.59	41.68	20.77	46.86	70.01	95.88	136.76
EV/EBITDA High	-138.27	-256.75	244.2	235.86	117.99	79.04	58.61	79.84	99.21	155.83	178.23
EV/EBITDA Low	-138.27	-256.75	113.91	123.11	70.46	9.39	-5.01	30.28	40.57	67.28	86.74
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	19.74	21.7	26.07	19.19	31.5	43.26	49.96	79.5	102.07
High Price	- -	- -	23.18	29.45	28.89	26.07	37.51	48.13	54.03	81.68	110.71
Enterprise Value Average	-33	-43	58	148	113	68	46	119	178	315	504
Enterprise Value High	-33	-43	100	188	152	128	131	204	252	512	657
Enterprise Value Low	-33	-43	47	98	91	15	-11	77	103	221	320

Shares Outstanding	7	7	7	8	8	8	8	8	8	8	9
Diluted Weighted Avg Shares	5	5	6	8	8	8	8	8	8	8	9
Basic Weighted Avg Shares	5	5	6	7	7	7	7	8	8	8	8
Revenue per Share	2.99	3.95	4.11	4.81	6.2	7.02	8.67	11.03	14.71	15.97	18.18
EBITDA per Share	0.05	0.03	0.07	0.11	0.17	0.22	0.3	0.33	0.33	0.42	0.46
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.23	0.56	0.59	1.18	1.91	1.7	2.4	3.73	5.31	5.58	6.3
Basic EPS from Cont Ops	0.23	0.56	0.59	1.18	1.91	1.7	2.4	3.73	5.31	5.58	6.3
Diluted EPS, GAAP	0.23	0.56	0.58	1.13	1.82	1.65	2.26	3.52	4.91	5.14	5.87
Diluted EPS from Cont Ops	0.23	0.56	0.58	1.13	1.82	1.65	2.26	3.52	4.91	5.14	5.87
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	0.28	0.48	0.62	0.73
Cash Flow per Share	0.31	1.26	0.64	1.37	2.2	2.1	4.03	5.08	5.49	5.4	7.42
Free Cash Flow per Basic Share	0.3	0.73	0.61	1.2	1.92	1.68	3.63	5.07	5.42	5.31	7.03
Cash & Equivalents per Share	23.46	27.11	27.82	23.81	28.12	24.63	39.84	35.79	37.23	47.08	59.84
Book Value per Share	-1.72	-1.15	-0.31	0.93	2.84	4.53	6.9	10.18	14.82	19.57	24.55
Tangible Book Value per Share	9.88	10.43	13.5	12.53	15	16.99	19.24	20.71	25.73	30.33	35.92

Esquire Financial Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)