Is Esquire Financial Holdings, Inc. (ESQ) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 48.5% | |
| Net Margin | 37.1% | |
| Return on Equity (ROE) | 19.3% | |
| Return on Assets (ROA) | 2.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $60M |
| Free Cash Flow | $54M |
| Total Assets | $2.4B |
Price & Trading
| Last Close | $106.76 |
| 50-Day MA | $107.23 |
| 200-Day MA | $101.54 |
| Avg Volume | 84K |
| Beta | 0.5 |
|
52-Week Range
$69.14
| |
About Esquire Financial Holdings, Inc. (ESQ)
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, and other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services, including portfolio acquisition loan, agent residual acquisition loan, working capital line of credit, and merchant term loan. In addition, it provides cash management, cash sweep, online and mobile banking, and individual retirement accounts. Further, it offers payment processing, ACH and administrative services, and law firm banking solutions. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
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Frequently Asked Questions
Is Esquire Financial Holdings, Inc. (ESQ) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Esquire Financial Holdings, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Esquire Financial Holdings, Inc.'s debt ratio?
Esquire Financial Holdings, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Esquire Financial Holdings, Inc.'s key financial metrics?
Esquire Financial Holdings, Inc. has a market capitalization of $920M, trailing P/E ratio of 18.1, and revenue of $147M. Return on equity stands at 19.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.