ESQ vs VBNK: stock comparison and AI forecast
Esquire Financial Holdings, Inc. (ESQ) and Versabank (VBNK) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ESQ Esquire Financial Holdings, Inc.
- Market Cap
- $1.50B
- P/E Ratio
- 20.4x
- Size
- small-cap
- AI Forecast
VBNK Versabank
- Market Cap
- $720M
- P/E Ratio
- –
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- ESQ is 2.1 times larger than VBNK by market capitalization ($1.50B against $720M).
- ESQ turns 35.3% of its revenue into net income, against 24.5% for VBNK.
- VBNK carries 10.32 times debt per unit of equity, against 7.00 times for ESQ.
- ESQ yields 0.43% in dividends; VBNK pays none.
- Both companies share the SEC industry classification Commercial Banks, NEC.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ESQ | VBNK |
|---|---|---|
| Market Cap | $1.50B | $720M |
| P/E Ratio | 20.44x | – |
| P/B Ratio | 4.77x | – |
| Dividend Yield | 0.43% | – |
| EPS | $6.05 | – |
| Book Value/Share | $25.93 | – |
| Revenue/Share | $12.33 | $5.03 |
| FCF/Share | $5.48 | $-2.16 |
Profitability & Margins
| Metric | ESQ | VBNK |
|---|---|---|
| ROE | 16.8% | 10.1% |
| ROA | 2.1% | 0.9% |
| Net Margin | 35.3% | 24.5% |
| EBT Margin | 47.0% | 34.7% |
| Tax Rate | 24.8% | 29.3% |
Financial Health
| Metric | ESQ | VBNK |
|---|---|---|
| D/E Ratio | 7.00x | 10.32x |
| Financial Leverage | 8.00x | 11.32x |
Cash Flow
| Metric | ESQ | VBNK |
|---|---|---|
| Operating Cash Flow | $68M | -$67M |
| Free Cash Flow | $66M | -$69M |
| Capital Spending | -$1M | -$2M |
| OCF Growth YoY | 39.3% | -127.8% |
| FCF Growth YoY | 44.1% | – |
| FCF/Sales | 44.5% | -43.0% |
| CapEx/Sales | 0.8% | 1.1% |
Operational Efficiency
| Metric | ESQ | VBNK |
|---|---|---|
| Asset Turnover | 0.06x | 0.04x |
| Fixed Assets Turnover | 37.5x | 9.6x |
Income Statement
| Metric | ESQ | VBNK |
|---|---|---|
| Total Revenue | $149M | $160M |
| Net Income | $53M | $39M |
Dividend & Shareholder Information
| Metric | ESQ | VBNK |
|---|---|---|
| Dividends Per Share | $0.53 | – |
| Payout Ratio | 8.8% | – |
| Shares Outstanding | 12M | 32M |
| Net Income Growth | 13.6% | -21.3% |
| EPS Growth | 12.0% | – |
ESQ vs VBNK: stock comparison and AI forecast
Which is bigger, ESQ or VBNK?
ESQ is 2.1 times larger than VBNK by market capitalization ($1.50B against $720M).
Which one does Intratio's AI model rank higher, ESQ or VBNK?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.