EQB INC (EQB.CA) Stock Fundamental Analysis
Canada - TSX:EQB - CA26886R1047 - Common Stock
89.18 CAD
+1.36 (+1.55%)
We assign a fundamental rating of 2 out of 10 to EQB. EQB was compared to 26 industry peers in the Banks industry. EQB has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
In the past year EQB had a positive 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
Looking at the Return On Assets, with a value of 0.63%, EQB is doing worse than 65.38% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.33%, EQB is doing worse than 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 10.33% | ||
| 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 27.14%, EQB is doing worse than 65.38% 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) | 27.14% | ||
| 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.
EQB has more shares outstanding than it did 1 year ago.
EQB has more shares outstanding than it did 5 years ago.
EQB has a better debt/assets ratio than last year.
2.2 Solvency
EQB has a debt to FCF ratio of 45.15. This is a negative value and a sign of low solvency as EQB would need 45.15 years to pay back of all of its debts.
EQB has a worse Debt to FCF ratio (45.15) than 88.46% 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.
EQB has a Debt to Equity ratio of 3.90. This is amonst the worse of the industry: EQB underperforms 88.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.9 | ||
| Debt/FCF | 45.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for EQB have decreased strongly by -19.95% in the last year.
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.
The Revenue has been growing slightly by 6.80% in the past year.
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)-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
Based on estimates for the next years, EQB will show a small growth in Earnings Per Share. The EPS will grow by 6.64% on average per year.
EQB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.10% yearly.
EPS Next Y-10.33%
EPS Next 2Y0.1%
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.
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 9.04, 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 65.38% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.67. EQB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.06, the valuation of EQB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EQB indicates a slightly more expensive valuation: EQB is more expensive than 65.38% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of EQB to the average of the S&P500 Index (23.33), we can say EQB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.04 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
EQB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. EQB is more expensive than 73.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.72
EPS Next 2Y0.1%
EPS Next 3Y6.64%
5. Dividend
5.1 Amount
EQB has a Yearly Dividend Yield of 2.43%.
Compared to an average industry Dividend Yield of 3.46, EQB's dividend is way lower than its industry peers. On top of this 92.31% 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 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
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 23.35% 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.
DP23.35%
EPS Next 2Y0.1%
EPS Next 3Y6.64%
TSX:EQB (10/23/2025, 7:00:00 PM)
89.18
+1.36 (+1.55%)
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 Cap3.42B
Revenue(TTM)1.26B
Net Income(TTM)341.33M
Analysts72.86
Price Target104.96 (17.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
Yearly Dividend1.95
Dividend Growth(5Y)23.89%
DP23.35%
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%
PT rev (3m)-8.61%
EPS NQ rev (1m)-1.93%
EPS NQ rev (3m)-17.65%
EPS NY rev (1m)-7.83%
EPS NY rev (3m)-16.55%
Revenue NQ rev (1m)3.46%
Revenue NQ rev (3m)4.19%
Revenue NY rev (1m)2.52%
Revenue NY rev (3m)-5.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.04 | ||
| Fwd PE | 8.06 | ||
| P/S | 2.72 | ||
| P/FCF | 10.82 | ||
| P/OCF | 8.33 | ||
| P/B | 1.03 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.87
EY11.07%
EPS(NY)11.06
Fwd EY12.4%
FCF(TTM)8.24
FCFY9.24%
OCF(TTM)10.71
OCFY12.01%
SpS32.82
BVpS86.22
TBVpS78.4
PEG (NY)N/A
PEG (5Y)0.72
Graham Number138.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 10.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.14% | ||
| GM | N/A | ||
| FCFM | 25.1% |
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 | 45.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 129.96% | ||
| Cap/Sales | 7.53% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 92.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC9%
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 2Y0.1%
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-53.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.78%
OCF growth 3YN/A
OCF growth 5YN/A