Esquire Financial Holdings, Inc. (ESQ) vs MetroCity Bankshares, Inc. (MCBS)
A side-by-side comparison of Esquire Financial Holdings, Inc. and MetroCity Bankshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ESQ vs MCBS
growth of $100 · dividends reinvested · last 9yESQ vs MCBS: by the numbers
- •ESQ is the larger company ($1.03B vs $1.01B market cap).
- •MCBS trades at the lower trailing earnings multiple (12.24 vs 19.59 P/E), one valuation lens rather than an overall verdict.
- •MCBS converts more revenue to profit (30.49% vs 29.32% net margin).
- •ESQ grew revenue faster over the past five years (24.48% vs 17.83% CAGR).
- •MCBS pays the higher dividend yield (3.07% vs 0.66%).
Metrics side by side
Valuation
| Metric | ESQ | MCBS |
|---|---|---|
| P/E ratio | 19.59 | 12.24 |
| Forward P/E | 17.11 | 10.85 |
| PEG ratio | 0.68 | 0.92 |
| P/S ratio | 5.70 | 3.85 |
| P/B ratio | 3.27 | 1.78 |
Profitability
| Metric | ESQ | MCBS |
|---|---|---|
| Operating margin | 40.57% | 36.55% |
| Net margin | 29.32% | 30.49% |
| ROE | 16.81% | 14.09% |
Esquire Financial Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
MetroCity Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ESQ | MCBS |
|---|---|---|
| Dividend yield | 0.66% | 3.07% |
| Payout ratio | 12.79% | 37.50% |
Growth (annualized)
| Metric | ESQ | MCBS |
|---|---|---|
| Revenue CAGR (5Y) | 24.48% | 17.83% |
| EPS CAGR (5Y) | 29.96% | 13.46% |
| Total return CAGR (5Y) | 32.17% | 14.17% |
Frequently asked
- Which has the lower trailing P/E, ESQ or MCBS?
- MCBS has the lower trailing P/E: ESQ trades at 19.59 and MCBS at 12.24. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ESQ or MCBS?
- Over the past five years, ESQ grew revenue faster — ESQ at a 24.48% CAGR versus MCBS at 17.83%.
- Does ESQ or MCBS pay a bigger dividend?
- ESQ yields 0.66% and MCBS yields 3.07% based on trailing dividends and the latest price.
- Is ESQ or MCBS more profitable?
- MCBS runs the higher net margin — ESQ at 29.32% versus MCBS at 30.49%.
- How have ESQ and MCBS total returns compared?
- Over the past 5 years, ESQ delivered 32.17% and MCBS delivered 14.17% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Esquire Financial & MetroCity Bankshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.