EQB Fundamental Analysis - EQB INC

Fundamental Rating

Overall EQB gets a fundamental rating of 3 out of 10. We evaluated EQB against 27 industry peers in the Banks industry. Both the profitability and financial health of EQB have multiple concerns. While showing a medium growth rate, EQB is valued expensive at the moment.

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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

With a decent Return On Assets value of 0.70%, EQB is doing good in the industry, outperforming 62.96% of the companies in the same industry.

Looking at the Return On Equity, with a value of 11.63%, EQB is in line with its industry, outperforming 55.56% of the companies in the same 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

Looking at the Profit Margin, with a value of 29.55%, EQB belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The Debt to Equity ratio of EQB (4.26) is worse than 88.89% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.26
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.18%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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%.

The Earnings Per Share has been growing by 12.51% on average over the past years. This is quite good.

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

Based on estimates for the next years, EQB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.50% on average per year.

EQB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.86% yearly.

EPS Next Y-2.71%

EPS Next 2Y6.66%

EPS Next 3Y9.5%

EPS Next 5YN/A

Revenue Next Year6.6%

Revenue Next 2Y7.96%

Revenue Next 3Y7.86%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.41, the valuation of EQB can be described as reasonable.

66.67% of the companies in the same industry are cheaper than EQB, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of EQB to the average of the S&P500 Index (27.08), we can say EQB is valued rather cheaply.

A Price/Forward Earnings ratio of 8.07 indicates a reasonable valuation of EQB.

Based on the Price/Forward Earnings ratio, EQB is valued a bit more expensive than the industry average as 70.37% of the companies are valued more cheaply.

EQB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.41
Fwd PE	8.07

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.75

EPS Next 2Y6.66%

EPS Next 3Y9.5%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.12%, EQB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.93, EQB's dividend is way lower than its industry peers. On top of this 92.59% of the companies listed in the same industry pay a better dividend than EQB!

Compared to an average S&P500 Dividend Yield of 2.34, EQB has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.12%

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 Years3

Div Non Decr Years20

5.3 Sustainability

EQB pays out 20.79% of its income as dividend. This is a sustainable payout ratio.

EQB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP20.79%

EPS Next 2Y6.66%

EPS Next 3Y9.5%

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EQB INC

TSX:EQB (8/26/2025, 7:00:00 PM)

101.3

+1.3 (+1.3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-28 2025-05-28/amc

Earnings (Next)08-27 2025-08-27

Inst Owners20.15%

Inst Owner ChangeN/A

Ins Owners1.57%

Ins Owner ChangeN/A

Market Cap3.88B

Analysts78.57

Price Target115.26 (13.78%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.12%

Yearly Dividend1.95

Dividend Growth(5Y)23.89%

DP20.79%

Div Incr Years3

Div Non Decr Years20

Ex-Date06-13 2025-06-13 (0.53)

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)0.36%

PT rev (3m)-5.98%

EPS NQ rev (1m)-3.39%

EPS NQ rev (3m)-11.4%

EPS NY rev (1m)-9.45%

EPS NY rev (3m)-9.45%

Revenue NQ rev (1m)-0.91%

Revenue NQ rev (3m)-11.55%

Revenue NY rev (1m)-5.29%

Revenue NY rev (3m)-5.29%

Valuation

		Industry Rank	Sector Rank
PE	9.41
Fwd PE	8.07
P/S	3.04
P/FCF	N/A
P/OCF	N/A
P/B	1.19
P/tB	1.32
EV/EBITDA	N/A

EPS(TTM)10.76

EY10.62%

EPS(NY)12.56

Fwd EY12.4%

FCF(TTM)-10.56

FCFYN/A

OCF(TTM)-8.39

OCFYN/A

SpS33.37

BVpS84.8

TBVpS76.86

PEG (NY)N/A

PEG (5Y)0.75

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

WACC9.18%

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 Y-2.71%

EPS Next 2Y6.66%

EPS Next 3Y9.5%

EPS Next 5YN/A

Revenue 1Y (TTM)9.97%

Revenue growth 3Y31.22%

Revenue growth 5Y27.26%

Sales Q2Q%1.39%

Revenue Next Year6.6%

Revenue Next 2Y7.96%

Revenue Next 3Y7.86%

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

EQB INC (EQB.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens