EQB INC (EQB.CA) Stock Fundamental Analysis
TSX:EQB - Toronto Stock Exchange - CA26886R1047 - Common Stock - Currency: CAD
EQB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Banks industry. EQB has a bad profitability rating. Also its financial health evaluation is rather negative. EQB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EQB was profitable.
EQB had a negative operating cash flow in the past year.
EQB had positive earnings in each of the past 5 years.
Of the past 5 years EQB 4 years had a positive operating cash flow.
1.2 Ratios
EQB's Return On Assets of 0.70% is fine compared to the rest of the industry. EQB outperforms 62.07% of its industry peers.
The Return On Equity of EQB (11.63%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 11.63% | ||
| ROIC | N/A |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)12.55%
ROE(5y)12.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 29.55%, EQB belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
EQB's Profit Margin has declined in the last couple of years.
EQB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.68%
PM growth 5Y-6.21%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EQB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EQB has more shares outstanding
EQB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EQB has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 4.26 is on the high side and indicates that EQB has dependencies on debt financing.
EQB has a worse Debt to Equity ratio (4.26) than 89.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EQB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.92%.
Measured over the past years, EQB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.51% on average per year.
EQB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.97%.
EQB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.26% yearly.
EPS 1Y (TTM)-0.92%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%-17.79%
Revenue 1Y (TTM)9.97%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%1.39%
3.2 Future
The Earnings Per Share is expected to grow by 12.55% on average over the next years. This is quite good.
EQB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.15% yearly.
EPS Next Y7.45%
EPS Next 2Y11.19%
EPS Next 3Y12.55%
EPS Next 5YN/A
Revenue Next Year8.09%
Revenue Next 2Y8.09%
Revenue Next 3Y8.15%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.56, the valuation of EQB can be described as reasonable.
EQB's Price/Earnings ratio is a bit more expensive when compared to the industry. EQB is more expensive than 72.41% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.82, EQB is valued rather cheaply.
A Price/Forward Earnings ratio of 7.54 indicates a rather cheap valuation of EQB.
Based on the Price/Forward Earnings ratio, EQB is valued a bit more expensive than 72.41% of the companies in the same industry.
EQB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 7.54 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
EQB's earnings are expected to grow with 12.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.28
PEG (5Y)0.76
EPS Next 2Y11.19%
EPS Next 3Y12.55%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.06%, EQB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.60, EQB's dividend is way lower than its industry peers. On top of this 93.10% of the companies listed in the same industry pay a better dividend than EQB!
EQB's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.06% |
5.2 History
The dividend of EQB is nicely growing with an annual growth rate of 23.89%!
EQB has been paying a dividend for at least 10 years, so it has a reliable track record.
EQB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)23.89%
Div Incr Years3
Div Non Decr Years20
5.3 Sustainability
20.79% of the earnings are spent on dividend by EQB. This is a low number and sustainable payout ratio.
The dividend of EQB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.79%
EPS Next 2Y11.19%
EPS Next 3Y12.55%
TSX:EQB (8/1/2025, 7:00:00 PM)
102.85
-0.15 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners20.15%
Inst Owner ChangeN/A
Ins Owners1.57%
Ins Owner ChangeN/A
Market Cap3.94B
Analysts78.57
Price Target114.85 (11.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.06% |
Yearly Dividend1.95
Dividend Growth(5Y)23.89%
DP20.79%
Div Incr Years3
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.23%
Min EPS beat(2)-11.19%
Max EPS beat(2)6.72%
EPS beat(4)2
Avg EPS beat(4)-4.5%
Min EPS beat(4)-14.98%
Max EPS beat(4)6.72%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.73%
Min Revenue beat(2)-8.85%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-6.38%
Min Revenue beat(4)-10.93%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-2.01%
Revenue beat(12)2
Avg Revenue beat(12)-2.92%
Revenue beat(16)5
Avg Revenue beat(16)-0.82%
PT rev (1m)0%
PT rev (3m)-7.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.28%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.73%
Revenue NY rev (1m)-3.97%
Revenue NY rev (3m)-3.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 7.54 | ||
| P/S | 3.08 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.21 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.76
EY10.46%
EPS(NY)13.65
Fwd EY13.27%
FCF(TTM)-10.56
FCFYN/A
OCF(TTM)-8.4
OCFYN/A
SpS33.38
BVpS84.82
TBVpS76.88
PEG (NY)1.28
PEG (5Y)0.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 11.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.55% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)12.55%
ROE(5y)12.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.68%
PM growth 5Y-6.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 119.56% | ||
| Cap/Sales | 6.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC9.13%
ROIC/WACCN/A
Cap/Depr(3y)131.19%
Cap/Depr(5y)126.64%
Cap/Sales(3y)7.05%
Cap/Sales(5y)6.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.92%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%-17.79%
EPS Next Y7.45%
EPS Next 2Y11.19%
EPS Next 3Y12.55%
EPS Next 5YN/A
Revenue 1Y (TTM)9.97%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%1.39%
Revenue Next Year8.09%
Revenue Next 2Y8.09%
Revenue Next 3Y8.15%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-179.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-159.28%
OCF growth 3YN/A
OCF growth 5YN/A