EQB INC (EQB.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:EQB - CA26886R1047 - Common Stock
86.42 CAD
+1.93 (+2.28%)
We assign a fundamental rating of 2 out of 10 to EQB. EQB was compared to 25 industry peers in the Banks industry. Both the profitability and financial health of EQB have multiple concerns. EQB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EQB was profitable.
EQB had a positive operating cash flow in the past year.
Each year in the past 5 years EQB has been profitable.
Of the past 5 years EQB 4 years had a positive operating cash flow.
1.2 Ratios
EQB has a worse Return On Assets (0.62%) than 64.00% of its industry peers.
EQB has a worse Return On Equity (10.32%) than 64.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 10.32% | ||
| 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
Looking at the Profit Margin, with a value of 27.11%, EQB is doing worse than 64.00% of the companies in the same industry.
In the last couple of years the Profit Margin of EQB has declined.
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) | 27.11% | ||
| 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.
The number of shares outstanding for EQB has been increased compared to 1 year ago.
Compared to 5 years ago, EQB has more shares outstanding
The debt/assets ratio for EQB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of EQB is 45.09, which is on the high side as it means it would take EQB, 45.09 years of fcf income to pay off all of its debts.
EQB has a Debt to FCF ratio of 45.09. This is amonst the worse of the industry: EQB underperforms 88.00% of its industry peers.
EQB has a Debt/Equity ratio of 3.90. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of EQB (3.90) is worse than 88.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.9 | ||
| Debt/FCF | 45.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EQB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.95%.
EQB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.51% yearly.
Looking at the last year, EQB shows a small growth in Revenue. The Revenue has grown by 6.80% in the last year.
EQB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.26% yearly.
EPS 1Y (TTM)-19.95%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%-30.07%
Revenue 1Y (TTM)6.8%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%-7.86%
3.2 Future
EQB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.64% yearly.
The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
EPS Next Y-10.33%
EPS Next 2Y0.37%
EPS Next 3Y6.64%
EPS Next 5YN/A
Revenue Next Year5.86%
Revenue Next 2Y6.75%
Revenue Next 3Y8.1%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.76 indicates a reasonable valuation of EQB.
Based on the Price/Earnings ratio, EQB is valued a bit more expensive than the industry average as 64.00% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of EQB to the average of the S&P500 Index (25.47), we can say EQB is valued rather cheaply.
A Price/Forward Earnings ratio of 7.77 indicates a rather cheap valuation of EQB.
Based on the Price/Forward Earnings ratio, EQB is valued a bit more expensive than the industry average as 64.00% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 34.42. EQB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.76 | ||
| Fwd PE | 7.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EQB is valued a bit more expensive than the industry average as 72.00% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.7
EPS Next 2Y0.37%
EPS Next 3Y6.64%
5. Dividend
5.1 Amount
EQB has a Yearly Dividend Yield of 2.60%.
Compared to an average industry Dividend Yield of 3.35, EQB's dividend is way lower than its industry peers. On top of this 92.00% 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
5.2 History
On average, the dividend of EQB grows each year by 23.89%, which is quite nice.
EQB has paid a dividend for at least 10 years, which is 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 Years3
Div Non Decr Years20
5.3 Sustainability
EQB pays out 23.34% of its income as dividend. This is a sustainable payout ratio.
The dividend of EQB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y0.37%
EPS Next 3Y6.64%
TSX:EQB (11/21/2025, 7:00:00 PM)
86.42
+1.93 (+2.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.35%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap3.31B
Revenue(TTM)1.26B
Net Income(TTM)340.95M
Analysts72.86
Price Target105.98 (22.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
Yearly Dividend1.95
Dividend Growth(5Y)23.89%
DP23.34%
Div Incr Years3
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.23%
Min EPS beat(2)-21.27%
Max EPS beat(2)-11.19%
EPS beat(4)1
Avg EPS beat(4)-10.18%
Min EPS beat(4)-21.27%
Max EPS beat(4)6.72%
EPS beat(8)4
Avg EPS beat(8)-4.47%
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)-4.2%
Min Revenue beat(2)-7.8%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-7.05%
Min Revenue beat(4)-10.93%
Max Revenue beat(4)-0.6%
Revenue beat(8)0
Avg Revenue beat(8)-5.59%
Revenue beat(12)2
Avg Revenue beat(12)-2.85%
Revenue beat(16)4
Avg Revenue beat(16)-1.57%
PT rev (1m)0.97%
PT rev (3m)-8.05%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)-16.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.76 | ||
| Fwd PE | 7.77 | ||
| P/S | 2.63 | ||
| P/FCF | 10.47 | ||
| P/OCF | 8.07 | ||
| P/B | 1 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.87
EY11.42%
EPS(NY)11.12
Fwd EY12.87%
FCF(TTM)8.25
FCFY9.55%
OCF(TTM)10.71
OCFY12.4%
SpS32.82
BVpS86.22
TBVpS78.4
PEG (NY)N/A
PEG (5Y)0.7
Graham Number138.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 10.32% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.11% | ||
| GM | N/A | ||
| FCFM | 25.14% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.9 | ||
| Debt/FCF | 45.09 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 128.77% | ||
| Cap/Sales | 7.5% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 92.71% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.95%
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)-19.95%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%-30.07%
EPS Next Y-10.33%
EPS Next 2Y0.37%
EPS Next 3Y6.64%
EPS Next 5YN/A
Revenue 1Y (TTM)6.8%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%-7.86%
Revenue Next Year5.86%
Revenue Next 2Y6.75%
Revenue Next 3Y8.1%
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-52.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.78%
OCF growth 3YN/A
OCF growth 5YN/A
EQB INC / EQB.CA FAQ
What is the ChartMill fundamental rating of EQB INC (EQB.CA) stock?
ChartMill assigns a fundamental rating of 2 / 10 to EQB.CA.
What is the valuation status for EQB stock?
ChartMill assigns a valuation rating of 3 / 10 to EQB INC (EQB.CA). This can be considered as Overvalued.
How profitable is EQB INC (EQB.CA) stock?
EQB INC (EQB.CA) has a profitability rating of 2 / 10.
What is the valuation of EQB INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for EQB INC (EQB.CA) is 8.76 and the Price/Book (PB) ratio is 1.
How financially healthy is EQB INC?
The financial health rating of EQB INC (EQB.CA) is 0 / 10.