Profitability
Weight: 25%
A+
95
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 48.6%
- Efficiency Ratio Trend -3.24 pp/yr
ESQ
Esquire Financial Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
64
- 5yr Avg ROE 17.4%
- 5yr Share-Count CAGR 2.6%
Growth Quality
Weight: 15%
A+
100
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 25.3%
- Efficiency Ratio Trend (growth quality check) -3.24 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
7
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.12
Balance Sheet
Weight: 20%
A-
87
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 12.2%
Stability
Weight: 10%
D+
42
- EPS Volatility (σ/μ) 0.81
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.