EQB INC (EQB.CA) Stock Fundamental Analysis
TSX:EQB - Toronto Stock Exchange - CA26886R1047 - Common Stock - Currency: CAD
Overall EQB gets a fundamental rating of 3 out of 10. We evaluated EQB against 30 industry peers in the Banks industry. EQB has a bad profitability rating. Also its financial health evaluation is rather negative. EQB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year EQB was profitable.
EQB had a negative operating cash flow in the past year.
Each year in the past 5 years EQB has been profitable.
EQB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
EQB has a Return On Assets of 0.74%. This is in the better half of the industry: EQB outperforms 63.33% of its industry peers.
The Return On Equity of EQB (12.31%) is better than 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 12.31% | ||
| 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
EQB has a Profit Margin of 30.90%. This is in the better half of the industry: EQB outperforms 80.00% of its industry peers.
In the last couple of years the Profit Margin of EQB has declined.
The Operating Margin and Gross Margin are not available for EQB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.9% | ||
| 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 4.33 is on the high side and indicates that EQB has dependencies on debt financing.
With a Debt to Equity ratio value of 4.33, EQB is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.92% over the past year.
The Earnings Per Share has been growing by 12.51% on average over the past years. This is quite good.
The Revenue has grown by 14.86% in the past year. This is quite good.
The Revenue has been growing by 27.26% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)4.92%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%7.97%
Revenue 1Y (TTM)14.86%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%2.88%
3.2 Future
EQB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.55% yearly.
Based on estimates for the next years, EQB will show a quite strong growth in Revenue. The Revenue will grow by 11.94% on average per year.
EPS Next Y7.45%
EPS Next 2Y11.19%
EPS Next 3Y12.55%
EPS Next 5YN/A
Revenue Next Year12.56%
Revenue Next 2Y10.98%
Revenue Next 3Y11.94%
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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.44, the valuation of EQB can be described as reasonable.
Based on the Price/Earnings ratio, EQB is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.
EQB is valuated cheaply when we compare the Price/Earnings ratio to 28.88, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.97, the valuation of EQB can be described as very cheap.
EQB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EQB is more expensive than 66.67% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, EQB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.44 | ||
| Fwd PE | 6.97 |
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.
A more expensive valuation may be justified as EQB's earnings are expected to grow with 12.55% in the coming years.
PEG (NY)1.13
PEG (5Y)0.68
EPS Next 2Y11.19%
EPS Next 3Y12.55%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.18%, EQB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.45, EQB's dividend is way lower than its industry peers. On top of this 93.33% 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 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.18% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)23.89%
Div Incr Years2
Div Non Decr Years19
5.3 Sustainability
19.43% 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.
DP19.43%
EPS Next 2Y11.19%
EPS Next 3Y12.55%
TSX:EQB (4/30/2025, 7:00:00 PM)
95.07
-0.41 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.68%
Inst Owner ChangeN/A
Ins Owners1.57%
Ins Owner ChangeN/A
Market Cap3.64B
Analysts78.67
Price Target123.88 (30.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.18% |
Yearly Dividend1.95
Dividend Growth(5Y)23.89%
DP19.43%
Div Incr Years2
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.13%
Min EPS beat(2)-14.98%
Max EPS beat(2)6.72%
EPS beat(4)3
Avg EPS beat(4)-0.7%
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)-11.55%
Min Revenue beat(2)-12.17%
Max Revenue beat(2)-10.93%
Revenue beat(4)0
Avg Revenue beat(4)-7.81%
Min Revenue beat(4)-12.17%
Max Revenue beat(4)-3.02%
Revenue beat(8)1
Avg Revenue beat(8)-2.39%
Revenue beat(12)3
Avg Revenue beat(12)-2.25%
Revenue beat(16)6
Avg Revenue beat(16)-0.56%
PT rev (1m)-0.72%
PT rev (3m)7.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.66%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)0.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.44 | ||
| Fwd PE | 6.97 | ||
| P/S | 2.85 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.13 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.26
EY11.84%
EPS(NY)13.65
Fwd EY14.36%
FCF(TTM)-2.54
FCFYN/A
OCF(TTM)-0.49
OCFYN/A
SpS33.38
BVpS83.79
TBVpS75.8
PEG (NY)1.13
PEG (5Y)0.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 12.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.9% | ||
| 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-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.33 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 124.03% | ||
| Cap/Sales | 6.15% | ||
| 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-Score6
WACC9.03%
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)4.92%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%7.97%
EPS Next Y7.45%
EPS Next 2Y11.19%
EPS Next 3Y12.55%
EPS Next 5YN/A
Revenue 1Y (TTM)14.86%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%2.88%
Revenue Next Year12.56%
Revenue Next 2Y10.98%
Revenue Next 3Y11.94%
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-119.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-103.44%
OCF growth 3YN/A
OCF growth 5YN/A