EQUITY BANCSHARES INC - CL A (EQBK)
US29460X1090 - Common Stock
We assign a fundamental rating of 2 out of 10 to EQBK. EQBK was compared to 411 industry peers in the Banks industry. EQBK may be in some trouble as it scores bad on both profitability and health. EQBK is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EQBK was profitable.
EQBK had a positive operating cash flow in the past year.
Of the past 5 years EQBK 4 years were profitable.
EQBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EQBK has a Return On Assets of 0.16%. This is amonst the worse of the industry: EQBK underperforms 91.73% of its industry peers.
EQBK has a Return On Equity of 1.73%. This is amonst the worse of the industry: EQBK underperforms 91.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.73% | ||
| ROIC | N/A |
ROA(3y)0.78%
ROA(5y)0.22%
ROE(3y)8.76%
ROE(5y)2.65%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
EQBK has a Profit Margin of 5.59%. This is amonst the worse of the industry: EQBK underperforms 93.43% of its industry peers.
EQBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for EQBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-25.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EQBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EQBK has less shares outstanding
The number of shares outstanding for EQBK has been reduced compared to 5 years ago.
Compared to 1 year ago, EQBK has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EQBK is 4.60, which is a neutral value as it means it would take EQBK, 4.60 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.60, EQBK is doing worse than 66.18% of the companies in the same industry.
EQBK has a Debt/Equity ratio of 0.62. This is a neutral value indicating EQBK is somewhat dependend on debt financing.
EQBK has a Debt to Equity ratio of 0.62. This is in the lower half of the industry: EQBK underperforms 73.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 4.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EQBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -84.94%.
The earnings per share for EQBK have been decreasing by -25.50% on average. This is quite bad
EQBK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -29.63%.
EQBK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.65% yearly.
EPS 1Y (TTM)-84.94%
EPS 3Y-34.31%
EPS 5Y-25.5%
EPS growth Q2Q-355.56%
Revenue 1Y (TTM)-29.63%
Revenue growth 3Y-4.12%
Revenue growth 5Y-0.65%
Revenue growth Q2Q-107.84%
3.2 Future
EQBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 190.51% yearly.
Based on estimates for the next years, EQBK will show a quite strong growth in Revenue. The Revenue will grow by 16.56% on average per year.
EPS Next Y639.79%
EPS Next 2Y190.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.42%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 64.08, which means the current valuation is very expensive for EQBK.
Based on the Price/Earnings ratio, EQBK is valued more expensive than 92.94% of the companies in the same industry.
EQBK's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.25.
The Price/Forward Earnings ratio is 8.66, which indicates a very decent valuation of EQBK.
74.94% of the companies in the same industry are more expensive than EQBK, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, EQBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 64.08 | ||
| Fwd PE | 8.66 |
4.2 Price Multiples
EQBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as EQBK's earnings are expected to grow with 190.51% in the coming years.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y190.51%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EQBK has a Yearly Dividend Yield of 1.40%.
With a Dividend Yield of 1.40, EQBK pays less dividend than the industry average, which is at 3.89. 81.02% of the companies listed in the same industry pay a better dividend than EQBK!
With a Dividend Yield of 1.40, EQBK pays less dividend than the S&P500 average, which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
EQBK has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
EQBK pays out 84.57% of its income as dividend. This is not a sustainable payout ratio.
DP84.57%
EPS Next 2Y190.51%
EPS Next 3YN/A
EQUITY BANCSHARES INC - CL A
NYSE:EQBK (4/24/2024, 7:04:01 PM)
After market: 33.96 0 (0%)33.96
-0.33 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap525.02M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 64.08 | ||
| Fwd PE | 8.66 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.1
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.73% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 5.59% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-84.94%
EPS 3Y-34.31%
EPS 5Y
EPS growth Q2Q
EPS Next Y639.79%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-29.63%
Revenue growth 3Y-4.12%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y