ESQ vs BH

Comparison between Esquire Financial Holdings Inc (ESQ, Company) and Biglari Holdings Inc - Class B (BH, Company).

ESQ is from the Financial Services sector, while BH is from the Consumer Cyclical sector.

5-Year PerformanceESQ has outperformed BH, delivering a return of +36.9% compared to +13.5%

ESQ vs BH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ESQ(COMPANY)	BH(COMPANY)
Market Cap	$967M	$968M
Max Drawdown	56.52%	87.84%
Sharpe Ratio	0.71	0.65
5Y Beta	0.68	0.91
Industry	Banks - Regional	Restaurants
P/E Ratio	18.57	N/A
Forward P/E	N/A	10.57
PEG Ratio	1.57	-12.63
Dividend Yield	0.65%	N/A
5Y EPS CAGR	26.89%	N/A
Debt to Equity	0.00%	46.22%
Free Cash Flow Yield	6.35%	8.42%
P/S Ratio	6.84	2.40
P/B Ratio	3.17	1.84

Market Cap

ESQ

$967M

Winner

$968M

Max Drawdown

Winner

ESQ

56.52%

87.84%

Sharpe Ratio

Winner

ESQ

0.71

0.65

5Y Beta

Winner

ESQ

0.68

0.91

Industry

ESQ

Banks - Regional

Restaurants

P/E Ratio

ESQ

18.57

N/A

Forward P/E

ESQ

N/A

10.57

PEG Ratio

ESQ

1.57

Winner

-12.63

Dividend Yield

ESQ

0.65%

N/A

5Y EPS CAGR

ESQ

26.89%

N/A

Debt to Equity

Winner

ESQ

0.00%

46.22%

Free Cash Flow Yield

ESQ

6.35%

Winner

8.42%

P/S Ratio

ESQ

6.84

Winner

2.40

P/B Ratio

ESQ

3.17

Winner

1.84

ESQ vs BH - Historical Returns

Returns include dividend reinvestment.

Period	ESQ	BH
1 month	+9.94%	+32.85%
3 months	+9.28%	+10.30%
6 months	+8.26%	+2.50%
1 year	+26.74%	+31.27%
5 years(CAGR)	+36.90%	+13.51%
10 years(CAGR)	+25.93%	+2.12%
Max(CAGR)	+25.93%	+3.09%

ESQ

+9.94%

Winner

+32.85%

ESQ

+9.28%

Winner

+10.30%

Winner

ESQ

+8.26%

+2.50%

ESQ

+26.74%

Winner

+31.27%

5Y(CAGR)

Winner

ESQ

+36.90%

+13.51%

10Y(CAGR)

Winner

ESQ

+25.93%

+2.12%

Max(CAGR)

Winner

ESQ

+25.93%

+3.09%

ESQ vs BH - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ESQ	BH
2026	+14.55%	-1.17%
2025	+31.69%	+32.99%
2024	+60.06%	+59.80%
2023	+17.82%	+19.21%
2022	+36.58%	-1.68%
2021	+68.45%	+30.19%
2020	-26.08%	-2.97%
2019	+24.14%	-2.10%
2018	+14.75%	-59.43%
2017	+29.44%	-13.48%
2016	N/A	+41.03%
2015	N/A	-19.15%
2014	N/A	-20.21%
2013	N/A	+37.54%
2012	N/A	+4.01%
2011	N/A	-11.27%
2010	N/A	+30.54%
2009	N/A	+162.66%
2008	N/A	-43.33%
2007	N/A	-37.96%
2006	N/A	+5.20%
2005	N/A	-13.25%
2004	N/A	+11.56%
2003	N/A	+75.86%
2002	N/A	-5.03%
2001	N/A	+62.11%
2000	N/A	-31.20%
1999	N/A	-17.71%

ESQ vs BH Drawdown Comparison

The maximum drawdown for ESQ was -56.52%, occurring on May 14, 2020. Recovery took 801 trading sessions.

The maximum drawdown for BH was -87.84%, occurring on Mar 20, 2020. Recovery took 2966 trading sessions.

The current ESQ drawdown is -0.71%. The current BH drawdown is -28.79%.

Rank	ESQ	BH
#1	-56.52% Jun 28, 2018 - Sep 2, 2021	-87.84% Dec 26, 2013 - Oct 13, 2025
#2	-24.78% Nov 4, 2022 - Jun 16, 2023	-86.56% Aug 1, 2005 - Dec 20, 2010
#3	-20.68% Jan 31, 2025 - May 8, 2025	-48.04% Jan 21, 2026 - May 11, 2026
#4	-20.36% Nov 15, 2021 - Apr 22, 2022	-46.45% Nov 2, 1999 - Jan 14, 2002
#5	-17.48% Jan 29, 2024 - Jul 15, 2024	-43.19% Jun 28, 2002 - Jul 9, 2003
#6	-16.44% Jun 2, 2022 - Aug 12, 2022	-37.63% Feb 8, 2011 - Aug 22, 2013
#7	-15.43% Feb 3, 2026 - Mar 9, 2026	-27.01% Oct 24, 2025 - Jan 7, 2026
#8	-15.42% Jul 26, 2023 - Jan 26, 2024	-24.52% Jan 21, 2004 - Aug 1, 2005
#9	-12.32% Feb 1, 2018 - Apr 2, 2018	-13.18% Feb 25, 2002 - Jun 14, 2002
#10	-11.67% Sep 23, 2025 - Dec 10, 2025	-11.86% Jun 17, 2002 - Jun 28, 2002
#11	-11.25% Jul 24, 2025 - Sep 23, 2025	-10.28% Jul 9, 2003 - Sep 11, 2003
#12	-10.75% Aug 19, 2022 - Oct 18, 2022	-9.60% Sep 18, 2003 - Oct 14, 2003
#13	-10.25% Jul 31, 2024 - Aug 30, 2024	-9.38% Nov 3, 2003 - Dec 30, 2003
#14	-9.95% Dec 4, 2017 - Jan 26, 2018	-7.76% Dec 20, 2010 - Jan 14, 2011
#15	-9.31% Apr 25, 2022 - May 31, 2022	-7.76% Jan 23, 2002 - Feb 22, 2002