Is Esquire Financial Holdings, Inc. ESQ stock halal to invest in?

No, as of August 2026, Esquire Financial Holdings, Inc. stock (ESQ) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Esquire Financial Holdings, Inc. currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Esquire Financial Holdings, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Esquire Financial Holdings, Inc. ESQ reviewed for Shariah compliance?

Tabadulat reviews Esquire Financial Holdings, Inc. ESQ for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Esquire Financial Holdings, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Esquire Financial Holdings, Inc. stock (ESQ) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Esquire Financial Holdings, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, Esquire Financial Holdings, Inc. stock (ESQ) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). Esquire Financial Holdings, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, Esquire Financial Holdings, Inc. stock (ESQ) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. Esquire Financial Holdings, Inc.'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for Esquire Financial Holdings, Inc. ESQ stock?

Esquire Financial Holdings, Inc. (ESQ) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Esquire Financial Holdings, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Esquire Financial Holdings, Inc. stock (ESQ) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Esquire Financial Holdings, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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Esquire Financial Holdings, Inc.

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Shariah-Compliant

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ESQ

About

Esquire Financial Holdings, Inc.

ESQ

Esquire Financial Holdings Inc. is a financial services company that primarily operates within the community banking sector. The company's key function is to provide a wide range of banking products and services tailored specifically for the professional services sector, which includes law firms, accounting firms, and related industries. Esquire Financial Holdings is renowned for its commitment to personalized customer service, offering business loans, lines of credit, cash management, and trust services. Although it caters predominantly to professional clients, it also extends retail banking services to individual customers. Esquire Financial Holdings plays a significant role in its niche market by understanding the specialized financial needs of legal professionals and allied sectors, thus offering customized solutions that are not typically available from larger banking institutions. Through a strategic approach in addressing underserved niche markets, this institution has carved out a specialized presence in the banking industry. Headquartered in New York, Esquire Financial Holdings continues to leverage its expertise and market insight to expand its footprint within its target industries, influencing how financial services are delivered to professional service providers.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

138

Website:

https://www.esquirebank.com

ESQ

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Esquire Financial Holdings, Inc.

About

Esquire Financial Holdings, Inc.

ESQ

Frequently asked questions

Is Esquire Financial Holdings, Inc. ESQ stock halal to invest in?

How often is Esquire Financial Holdings, Inc. ESQ reviewed for Shariah compliance?

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Non Permissible Income criteria?

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Interest Bearing Investments criteria?

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Esquire Financial Holdings, Inc. ESQ stock?

Does Esquire Financial Holdings, Inc. ESQ pass the AAOIFI Preference Share screen?

Can I buy Esquire Financial (ESQ) stock on Tabadulat?

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