EQB INC (EQB.CA) Stock Fundamental Analysis
Canada - TSX:EQB - CA26886R1047 - Common Stock
89.52 CAD
-0.88 (-0.97%)
EQB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 26 industry peers in the Banks industry. EQB has a bad profitability rating. Also its financial health evaluation is rather negative. EQB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
EQB had positive earnings in the past year.
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
EQB has a worse Return On Assets (0.63%) than 65.38% of its industry peers.
EQB has a worse Return On Equity (10.33%) than 65.38% of its industry peers.
| 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
The Profit Margin of EQB (27.14%) is worse than 65.38% of its industry peers.
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.
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
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.
With a Debt to FCF ratio value of 45.15, EQB is not doing good in the industry: 88.46% of the companies in the same industry are doing better.
EQB has a Debt/Equity ratio of 3.90. This is a high value indicating a heavy dependency on external financing.
EQB has a worse Debt to Equity ratio (3.90) than 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.
The Earnings Per Share has been growing by 12.51% on average over the past years. This is quite good.
EQB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.80%.
The Revenue has been growing by 27.26% on average over the past years. This is a very strong growth!
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.
Based on estimates for the next years, EQB will show a quite strong growth in Revenue. The Revenue will grow by 8.10% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
EQB is valuated reasonably with a Price/Earnings ratio of 9.07.
Compared to the rest of the industry, the Price/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.
EQB is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.09, the valuation of EQB can be described as very reasonable.
65.38% of the companies in the same industry are cheaper than EQB, based on the Price/Forward Earnings ratio.
EQB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.07 | ||
| Fwd PE | 8.09 |
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 | 10.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.73
EPS Next 2Y0.1%
EPS Next 3Y6.64%
5. Dividend
5.1 Amount
EQB has a Yearly Dividend Yield of 2.43%.
With a Dividend Yield of 2.43, EQB pays less dividend than the industry average, which is at 3.46. 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 2.36.
| 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
23.35% of the earnings are spent on dividend by EQB. This is a low number and 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 (10/17/2025, 7:00:00 PM)
89.52
-0.88 (-0.97%)
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 Cap3.43B
Analysts72.86
Price Target104.96 (17.25%)
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 | 9.07 | ||
| Fwd PE | 8.09 | ||
| P/S | 2.73 | ||
| P/FCF | 10.87 | ||
| P/OCF | 8.36 | ||
| P/B | 1.04 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.87
EY11.03%
EPS(NY)11.06
Fwd EY12.36%
FCF(TTM)8.24
FCFY9.2%
OCF(TTM)10.71
OCFY11.97%
SpS32.82
BVpS86.22
TBVpS78.4
PEG (NY)N/A
PEG (5Y)0.73
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
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-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