EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:EQBK - US29460X1090 - Common Stock
43.54 USD
+0.05 (+0.11%)
43.54 USD
0 (0%)
Taking everything into account, EQBK scores 3 out of 10 in our fundamental rating. EQBK was compared to 387 industry peers in the Banks industry. EQBK has a bad profitability rating. Also its financial health evaluation is rather negative. EQBK shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year EQBK was profitable.
In the past year EQBK had a positive cash flow from operations.
EQBK had positive earnings in 4 of the past 5 years.
In the past 5 years EQBK always reported a positive cash flow from operatings.
1.2 Ratios
EQBK has a worse Return On Assets (0.28%) than 86.30% of its industry peers.
EQBK's Return On Equity of 2.48% is on the low side compared to the rest of the industry. EQBK is outperformed by 86.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.28% | ||
| ROE | 2.48% | ||
| ROIC | N/A |
ROA(3y)0.83%
ROA(5y)0.33%
ROE(3y)8.79%
ROE(5y)3.69%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of EQBK (9.03%) is worse than 86.30% of its industry peers.
In the last couple of years the Profit Margin of EQBK has grown nicely.
EQBK 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) | 9.03% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.39%
PM growth 5Y10.41%
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.
The number of shares outstanding for EQBK has been increased compared to 1 year ago.
The number of shares outstanding for EQBK has been increased compared to 5 years ago.
EQBK has a better debt/assets ratio than last year.
2.2 Solvency
EQBK has a debt to FCF ratio of 1.99. This is a very positive value and a sign of high solvency as it would only need 1.99 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.99, EQBK is in line with its industry, outperforming 49.35% of the companies in the same industry.
EQBK has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
EQBK has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.36% over the past year.
Measured over the past years, EQBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.69% on average per year.
EQBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.01%.
EQBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.32% yearly.
EPS 1Y (TTM)16.36%
EPS 3Y4.58%
EPS 5Y19.69%
EPS Q2Q%-221.09%
Revenue 1Y (TTM)20.01%
Revenue growth 3Y8.65%
Revenue growth 5Y8.32%
Sales Q2Q%-73.49%
3.2 Future
The Earnings Per Share is expected to grow by 12.19% on average over the next years. This is quite good.
EQBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.76% yearly.
EPS Next Y-8.35%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
EPS Next 5YN/A
Revenue Next Year12.89%
Revenue Next 2Y24.76%
Revenue Next 3Y17.76%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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
A Price/Earnings ratio of 34.02 indicates a quite expensive valuation of EQBK.
Based on the Price/Earnings ratio, EQBK is valued expensively inside the industry as 85.53% of the companies are valued cheaper.
EQBK is valuated rather expensively when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.45 indicates a reasonable valuation of EQBK.
79.33% of the companies in the same industry are more expensive than EQBK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of EQBK to the average of the S&P500 Index (36.56), we can say EQBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.02 | ||
| Fwd PE | 8.45 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EQBK is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as EQBK's earnings are expected to grow with 12.19% in the coming years.
PEG (NY)N/A
PEG (5Y)1.73
EPS Next 2Y13.76%
EPS Next 3Y12.19%
5. Dividend
5.1 Amount
EQBK has a Yearly Dividend Yield of 1.45%.
EQBK's Dividend Yield is slightly below the industry average, which is at 3.15.
EQBK's Dividend Yield is slightly below the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
5.2 History
EQBK has been paying a dividend for over 5 years, so it has already some track record.
EQBK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
58.17% of the earnings are spent on dividend by EQBK. This is a bit on the high side, but may be sustainable.
DP58.17%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
43.54
+0.05 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.3%
Inst Owner Change10.42%
Ins Owners5.19%
Ins Owner Change-2.15%
Market Cap830.74M
Revenue(TTM)195.31M
Net Income(TTM)17.64M
Analysts78.33
Price Target51.2 (17.59%)
Short Float %2.37%
Short Ratio4.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP58.17%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-170.11%
Min EPS beat(2)-344%
Max EPS beat(2)3.78%
EPS beat(4)3
Avg EPS beat(4)-82.05%
Min EPS beat(4)-344%
Max EPS beat(4)11.8%
EPS beat(8)6
Avg EPS beat(8)-39.18%
EPS beat(12)9
Avg EPS beat(12)-25.28%
EPS beat(16)13
Avg EPS beat(16)-13.7%
Revenue beat(2)0
Avg Revenue beat(2)-38.3%
Min Revenue beat(2)-71.28%
Max Revenue beat(2)-5.32%
Revenue beat(4)1
Avg Revenue beat(4)-19.11%
Min Revenue beat(4)-71.28%
Max Revenue beat(4)4.83%
Revenue beat(8)2
Avg Revenue beat(8)-23.81%
Revenue beat(12)3
Avg Revenue beat(12)-16.97%
Revenue beat(16)7
Avg Revenue beat(16)-12.08%
PT rev (1m)2.97%
PT rev (3m)7.26%
EPS NQ rev (1m)0.99%
EPS NQ rev (3m)12.27%
EPS NY rev (1m)-12.35%
EPS NY rev (3m)-5.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.61%
Revenue NY rev (1m)2.51%
Revenue NY rev (3m)-3.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.02 | ||
| Fwd PE | 8.45 | ||
| P/S | 4.25 | ||
| P/FCF | 11.76 | ||
| P/OCF | 10.35 | ||
| P/B | 1.17 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY2.94%
EPS(NY)5.15
Fwd EY11.83%
FCF(TTM)3.7
FCFY8.5%
OCF(TTM)4.21
OCFY9.66%
SpS10.24
BVpS37.31
TBVpS32.05
PEG (NY)N/A
PEG (5Y)1.73
Graham Number32.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.28% | ||
| ROE | 2.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.03% | ||
| GM | N/A | ||
| FCFM | 36.17% |
ROA(3y)0.83%
ROA(5y)0.33%
ROE(3y)8.79%
ROE(5y)3.69%
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-2.39%
PM growth 5Y10.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 92.6% | ||
| Cap/Sales | 4.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 400.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.01%
ROIC/WACCN/A
Cap/Depr(3y)106.96%
Cap/Depr(5y)101.32%
Cap/Sales(3y)5.56%
Cap/Sales(5y)5.11%
Profit Quality(3y)335.35%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.36%
EPS 3Y4.58%
EPS 5Y19.69%
EPS Q2Q%-221.09%
EPS Next Y-8.35%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
EPS Next 5YN/A
Revenue 1Y (TTM)20.01%
Revenue growth 3Y8.65%
Revenue growth 5Y8.32%
Sales Q2Q%-73.49%
Revenue Next Year12.89%
Revenue Next 2Y24.76%
Revenue Next 3Y17.76%
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 1Y7.7%
FCF growth 3Y-12.51%
FCF growth 5Y9.45%
OCF growth 1Y0.33%
OCF growth 3Y-10.41%
OCF growth 5Y8.77%
EQUITY BANCSHARES INC - CL A / EQBK FAQ
Can you provide the ChartMill fundamental rating for EQUITY BANCSHARES INC - CL A?
ChartMill assigns a fundamental rating of 3 / 10 to EQBK.
What is the valuation status of EQUITY BANCSHARES INC - CL A (EQBK) stock?
ChartMill assigns a valuation rating of 3 / 10 to EQUITY BANCSHARES INC - CL A (EQBK). This can be considered as Overvalued.
How profitable is EQUITY BANCSHARES INC - CL A (EQBK) stock?
EQUITY BANCSHARES INC - CL A (EQBK) has a profitability rating of 2 / 10.
What is the valuation of EQUITY BANCSHARES INC - CL A based on its PE and PB ratios?
The Price/Earnings (PE) ratio for EQUITY BANCSHARES INC - CL A (EQBK) is 34.02 and the Price/Book (PB) ratio is 1.17.
What is the expected EPS growth for EQUITY BANCSHARES INC - CL A (EQBK) stock?
The Earnings per Share (EPS) of EQUITY BANCSHARES INC - CL A (EQBK) is expected to decline by -8.35% in the next year.