Esquire Financial (NASDAQ:ESQ) and SURUGA BANK ADR REP 10 (OTCMKTS:SUGBY) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, analyst recommendations, profitability, institutional ownership and valuation.

Institutional and Insider Ownership

42.5% of Esquire Financial shares are held by institutional investors. 23.3% of Esquire Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Esquire Financial and SURUGA BANK ADR REP 10’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Esquire Financial $36.81 million 4.68 $8.73 million N/A N/A
SURUGA BANK ADR REP 10 $1.41 billion 0.00 $62.90 million N/A N/A

SURUGA BANK ADR REP 10 has higher revenue and earnings than Esquire Financial.

Profitability

This table compares Esquire Financial and SURUGA BANK ADR REP 10’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Esquire Financial 23.73% 10.89% 1.56%
SURUGA BANK ADR REP 10 N/A N/A N/A

Volatility & Risk

Esquire Financial has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, SURUGA BANK ADR REP 10 has a beta of 0.08, meaning that its share price is 92% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Esquire Financial and SURUGA BANK ADR REP 10, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Esquire Financial 0 0 1 0 3.00
SURUGA BANK ADR REP 10 0 0 0 0 N/A

Esquire Financial presently has a consensus target price of $28.00, indicating a potential upside of 22.27%.

Summary

Esquire Financial beats SURUGA BANK ADR REP 10 on 7 of the 9 factors compared between the two stocks.

About Esquire Financial

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 business communities, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including 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 merchant 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, home repairs, home improvement, or consumer purchases; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans. As of December 31, 2018, the company operated a branch in Garden City, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

About SURUGA BANK ADR REP 10

Suruga Bank Ltd. engages in banking business and provides financial services. It operates through Banking and Others segments. The Banking segment provides deposits, loans, domestic and foreign exchange transactions, securities and investment trust, and credit card services. The Others segment offers loan, leasing, bank agency operations, credit card, and insurance services. The company was founded by Kitaro Okano on January 4, 1887 and is headquartered in Numazu, Japan.

Receive News & Ratings for Esquire Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Esquire Financial and related companies with MarketBeat.com's FREE daily email newsletter.