EQBK Fundamental Analysis - EQUITY BANCSHARES INC - CL A

Fundamental Rating

Taking everything into account, EQBK scores 5 out of 10 in our fundamental rating. EQBK was compared to 391 industry peers in the Banks industry. While EQBK is still in line with the averages on profitability rating, there are concerns on its financial health. EQBK is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!

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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.

In the past 5 years EQBK always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of EQBK (1.25%) is better than 82.10% of its industry peers.

Looking at the Return On Equity, with a value of 10.59%, EQBK is in the better half of the industry, outperforming 73.40% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.25%
ROE	10.59%
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

EQBK has a better Profit Margin (28.92%) than 77.75% of its industry peers.

EQBK's Profit Margin has improved in the last couple of years.

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)	28.92%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 more shares outstanding

Compared to 5 years ago, EQBK has more shares outstanding

The debt/assets ratio for EQBK has been reduced compared to a year ago.

2.2 Solvency

EQBK has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.

EQBK has a Debt to FCF ratio of 0.71. This is in the better half of the industry: EQBK outperforms 79.03% of its industry peers.

A Debt/Equity ratio of 0.10 indicates that EQBK is not too dependend on debt financing.

The Debt to Equity ratio of EQBK (0.10) is better than 71.36% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0.71
Altman-Z	N/A

ROIC/WACCN/A

WACC14.25%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 267.27% 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.

The Revenue has grown by 20.01% in the past year. This is a very strong growth!

The Revenue has been growing by 8.32% on average over the past years. This is quite good.

EPS 1Y (TTM)267.27%

EPS 3Y4.58%

EPS 5Y19.69%

EPS Q2Q%-5.47%

Revenue 1Y (TTM)20.01%

Revenue growth 3Y8.65%

Revenue growth 5Y8.32%

Sales Q2Q%28.93%

3.2 Future

EQBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.28% yearly.

EQBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.72% yearly.

EPS Next Y-3.82%

EPS Next 2Y12.77%

EPS Next 3Y12.28%

EPS Next 5YN/A

Revenue Next Year10.54%

Revenue Next 2Y24.33%

Revenue Next 3Y17.72%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.13, which indicates a very decent valuation of EQBK.

Based on the Price/Earnings ratio, EQBK is valued a bit cheaper than the industry average as 73.91% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.77, EQBK is valued rather cheaply.

EQBK is valuated reasonably with a Price/Forward Earnings ratio of 8.09.

Compared to the rest of the industry, the Price/Forward Earnings ratio of EQBK indicates a somewhat cheap valuation: EQBK is cheaper than 78.77% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of EQBK to the average of the S&P500 Index (23.23), we can say EQBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.13
Fwd PE	8.09

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EQBK is valued a bit cheaper than the industry average as 72.12% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.21
EV/EBITDA	N/A

4.3 Compensation for Growth

EQBK's earnings are expected to grow with 12.28% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)0.51

EPS Next 2Y12.77%

EPS Next 3Y12.28%

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5. Dividend

5.1 Amount

EQBK has a Yearly Dividend Yield of 1.58%. Purely for dividend investing, there may be better candidates out there.

EQBK's Dividend Yield is slightly below the industry average, which is at 3.60.

Compared to the average S&P500 Dividend Yield of 2.36, EQBK is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.58%

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

EQBK pays out 14.14% of its income as dividend. This is a sustainable payout ratio.

DP14.14%

EPS Next 2Y12.77%

EPS Next 3Y12.28%

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EQUITY BANCSHARES INC - CL A

NYSE:EQBK (10/21/2025, 8:10:58 PM)

After market: 40.94 0 (0%)

40.94

+0.12 (+0.29%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-14 2025-10-14/amc

Earnings (Next)01-20 2026-01-20/amc

Inst Owners63.3%

Inst Owner Change-0.16%

Ins Owners5.19%

Ins Owner Change-0.45%

Market Cap786.87M

Analysts78.18

Price Target49.73 (21.47%)

Short Float %1.71%

Short Ratio2.94

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.58%

Yearly Dividend0.48

Dividend Growth(5Y)N/A

DP14.14%

Div Incr Years3

Div Non Decr Years3

Ex-Date09-30 2025-09-30 (0.18)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)1.99%

Min EPS beat(2)0.2%

Max EPS beat(2)3.78%

EPS beat(4)4

Avg EPS beat(4)10.51%

Min EPS beat(4)0.2%

Max EPS beat(4)26.25%

EPS beat(8)7

Avg EPS beat(8)4.72%

EPS beat(12)10

Avg EPS beat(12)4.43%

EPS beat(16)14

Avg EPS beat(16)8.36%

Revenue beat(2)1

Avg Revenue beat(2)-0.24%

Min Revenue beat(2)-5.32%

Max Revenue beat(2)4.83%

Revenue beat(4)1

Avg Revenue beat(4)-2.1%

Min Revenue beat(4)-5.32%

Max Revenue beat(4)4.83%

Revenue beat(8)3

Avg Revenue beat(8)-14.73%

Revenue beat(12)4

Avg Revenue beat(12)-10.79%

Revenue beat(16)8

Avg Revenue beat(16)-6.69%

PT rev (1m)1.56%

PT rev (3m)3.72%

EPS NQ rev (1m)-30.06%

EPS NQ rev (3m)-30.71%

EPS NY rev (1m)-0.48%

EPS NY rev (3m)-0.52%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-28.4%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-6.45%

Valuation

		Industry Rank	Sector Rank
PE	10.13
Fwd PE	8.09
P/S	3.38
P/FCF	9.21
P/OCF	8.3
P/B	1.24
P/tB	1.38
EV/EBITDA	N/A

EPS(TTM)4.04

EY9.87%

EPS(NY)5.06

Fwd EY12.36%

FCF(TTM)4.44

FCFY10.85%

OCF(TTM)4.93

OCFY12.05%

SpS12.1

BVpS33.07

TBVpS29.64

PEG (NY)N/A

PEG (5Y)0.51

Profitability

		Industry Rank	Sector Rank
ROA	1.25%
ROE	10.59%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.92%
GM	N/A
FCFM	36.71%

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

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-2.39%

PM growth 5Y10.41%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0.71
Debt/EBITDA	N/A
Cap/Depr	95.52%
Cap/Sales	4.03%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	126.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC14.25%

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)267.27%

EPS 3Y4.58%

EPS 5Y19.69%

EPS Q2Q%-5.47%

EPS Next Y-3.82%

EPS Next 2Y12.77%

EPS Next 3Y12.28%

EPS Next 5YN/A

Revenue 1Y (TTM)20.01%

Revenue growth 3Y8.65%

Revenue growth 5Y8.32%

Sales Q2Q%28.93%

Revenue Next Year10.54%

Revenue Next 2Y24.33%

Revenue Next 3Y17.72%

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 1Y42.82%

FCF growth 3Y-12.51%

FCF growth 5Y9.45%

OCF growth 1Y36.39%

OCF growth 3Y-10.41%

OCF growth 5Y8.77%

EQUITY BANCSHARES INC - CL A (EQBK) 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