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ESQ vs HBT

ESQ
Esquire Financial Holdings, Inc.
BULLISH
Price
$114.97
Market Cap
$993.0M
Sector
Financial Services
AI Confidence
60%
HBT
HBT Financial, Inc.
NEUTRAL
Price
$28.25
Market Cap
$1.03B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ESQ
18.97
HBT
11.58
Forward P/E
ESQ
13.53
HBT
9.21
P/B Ratio
ESQ
3.22
HBT
1.44
P/S Ratio
ESQ
7.25
HBT
4.4
EV/EBITDA
ESQ
--
HBT
--

Profitability

Gross Margin
ESQ
0.0%
HBT
0.0%
Operating Margin
ESQ
48.51%
HBT
46.08%
Profit Margin
ESQ
37.13%
HBT
32.92%
ROE
ESQ
19.3%
HBT
13.28%
ROA
ESQ
2.39%
HBT
1.52%

Growth

Revenue Growth
ESQ
16.4%
HBT
1.1%
Earnings Growth
ESQ
13.6%
HBT
-6.3%

Financial Health

Debt/Equity
ESQ
--
HBT
--
Current Ratio
ESQ
--
HBT
--
Quick Ratio
ESQ
--
HBT
--

Dividends

Dividend Yield
ESQ
0.63%
HBT
3.26%
Payout Ratio
ESQ
11.93%
HBT
34.43%

AI Verdict

ESQ BULLISH

ESQ shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (37.1% margin)
Strong revenue growth of 16.4%
Strong ROE of 19.3%
Risks
Premium vs Graham Number ($69.8)
HBT NEUTRAL

HBT presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a Graham Number ($32.79) suggesting undervaluation, yet an Intrinsic Value ($17.08) that indicates significant overvaluation. While the company maintains a strong track record of earnings beats and a sustainable dividend, current growth metrics are concerning with negative YoY earnings growth (-6.30%). The bearish insider sentiment and low technical trend score offset the positive analyst recommendations, suggesting a period of stagnation or correction.

Strengths
Low P/E ratio (11.58) and Forward P/E (9.21) relative to broader financial sector averages
Consistent history of beating quarterly earnings estimates over 25 quarters
Sustainable dividend profile with a conservative payout ratio of 34.43%
Risks
Negative earnings growth both YoY (-6.30%) and Q/Q (-6.60%)
Stagnant revenue growth (1.10% YoY) indicating a lack of expansion
Bearish insider activity with four sell transactions and zero buys in the last 6 months

Compare Another Pair

ESQ vs HBT: Head-to-Head Comparison

This page compares Esquire Financial Holdings, Inc. (ESQ) and HBT Financial, Inc. (HBT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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