EQB INC (EQB.CA) Stock Fundamental Analysis
TSX:EQB - Toronto Stock Exchange - CA26886R1047 - Common Stock - Currency: CAD
We assign a fundamental rating of 3 out of 10 to EQB. EQB was compared to 29 industry peers in the Banks industry. EQB has a bad profitability rating. Also its financial health evaluation is rather negative. EQB is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year EQB was profitable.
In the past year EQB has reported a negative cash flow from operations.
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's Return On Assets of 0.74% is in line compared to the rest of the industry. EQB outperforms 51.72% of its industry peers.
With a Return On Equity value of 12.31%, EQB perfoms like the industry average, outperforming 51.72% of the companies in the same industry.
| 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
The Profit Margin of EQB (30.90%) is better than 86.21% 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.
The number of shares outstanding for EQB has been increased compared to 1 year ago.
The number of shares outstanding for EQB has been increased compared to 5 years ago.
The debt/assets ratio for EQB has been reduced compared to a year ago.
2.2 Solvency
EQB has a Debt/Equity ratio of 4.33. This is a high value indicating a heavy dependency on external financing.
EQB has a worse Debt to Equity ratio (4.33) than 89.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EQB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.92%.
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 14.86%.
Measured over the past years, EQB shows a very strong growth in Revenue. The Revenue has been growing by 27.26% on average per year.
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
Based on estimates for the next years, EQB will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.55% on average per year.
The Revenue is expected to grow by 11.94% on average over the next years. This is quite good.
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 8.11, the valuation of EQB can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of EQB indicates a slightly more expensive valuation: EQB is more expensive than 68.97% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.29. EQB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.69, the valuation of EQB can be described as very cheap.
65.52% of the companies in the same industry are cheaper than EQB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.17. EQB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.11 | ||
| Fwd PE | 6.69 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EQB's 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)1.09
PEG (5Y)0.65
EPS Next 2Y11.19%
EPS Next 3Y12.55%
5. Dividend
5.1 Amount
EQB has a Yearly Dividend Yield of 2.31%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.31, EQB pays less dividend than the industry average, which is at 4.20. 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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
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 (6/2/2025, 7:00:00 PM)
91.36
-3.28 (-3.47%)
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 Cap3.50B
Analysts78.67
Price Target122.59 (34.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
Yearly Dividend1.95
Dividend Growth(5Y)23.89%
DP19.43%
Div Incr Years3
Div Non Decr Years20
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)-9.89%
Min Revenue beat(2)-10.93%
Max Revenue beat(2)-8.85%
Revenue beat(4)0
Avg Revenue beat(4)-6.98%
Min Revenue beat(4)-10.93%
Max Revenue beat(4)-3.02%
Revenue beat(8)1
Avg Revenue beat(8)-1.98%
Revenue beat(12)3
Avg Revenue beat(12)-1.97%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)-1.05%
PT rev (3m)0.01%
EPS NQ rev (1m)-3.2%
EPS NQ rev (3m)-8.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.31%
Revenue NQ rev (1m)-7.7%
Revenue NQ rev (3m)-15.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.11 | ||
| Fwd PE | 6.69 | ||
| P/S | 2.74 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.09 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.26
EY12.32%
EPS(NY)13.65
Fwd EY14.94%
FCF(TTM)-2.54
FCFYN/A
OCF(TTM)-0.49
OCFYN/A
SpS33.38
BVpS83.79
TBVpS75.8
PEG (NY)1.09
PEG (5Y)0.65
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
WACC9.01%
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