EQUITY BANCSHARES INC - CL A(NYSE:EQBK) stock Fundamental Analysis

Fundamental Rating

Overall EQBK gets a fundamental rating of 4 out of 10. We evaluated EQBK against 397 industry peers in the Banks industry. There are concerns on the financial health of EQBK while its profitability can be described as average. EQBK is not overvalued while it is showing excellent growth. This is an interesting combination.

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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

With a decent Return On Assets value of 1.17%, EQBK is doing good in the industry, outperforming 76.32% of the companies in the same industry.

EQBK has a Return On Equity of 10.56%. This is in the better half of the industry: EQBK outperforms 73.30% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.17%
ROE	10.56%
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 (27.83%) is better than 75.57% 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)	27.83%
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.

EQBK has more shares outstanding than it did 1 year ago.

EQBK has more shares outstanding than it did 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of EQBK is 2.06, which is a good value as it means it would take EQBK, 2.06 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 2.06, EQBK perfoms like the industry average, outperforming 50.13% of the companies in the same industry.

A Debt/Equity ratio of 0.23 indicates that EQBK is not too dependend on debt financing.

EQBK has a Debt to Equity ratio of 0.23. This is comparable to the rest of the industry: EQBK outperforms 41.06% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	2.06
Altman-Z	N/A

ROIC/WACCN/A

WACC15%

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

EQBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 495.45%, which is quite impressive.

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 55.10% in the past year. This is a very strong growth!

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)495.45%

EPS 3Y4.58%

EPS 5Y19.69%

EPS Q2Q%-5.56%

Revenue 1Y (TTM)55.1%

Revenue growth 3Y8.65%

Revenue growth 5Y8.32%

Sales Q2Q%8.42%

3.2 Future

The Earnings Per Share is expected to grow by 5.56% on average over the next years.

Based on estimates for the next years, EQBK will show a quite strong growth in Revenue. The Revenue will grow by 14.03% on average per year.

EPS Next Y-4.67%

EPS Next 2Y5.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year17.35%

Revenue Next 2Y14.03%

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 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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.02, 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 74.81% of the companies are valued more expensively.

EQBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.

The Price/Forward Earnings ratio is 8.88, which indicates a very decent valuation of EQBK.

Based on the Price/Forward Earnings ratio, EQBK is valued a bit cheaper than the industry average as 66.50% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.74, EQBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.02
Fwd PE	8.88

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	10.56
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.51

EPS Next 2Y5.56%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

EQBK has a Yearly Dividend Yield of 1.47%.

EQBK's Dividend Yield is slightly below the industry average, which is at 3.49.

Compared to the average S&P500 Dividend Yield of 2.43, EQBK is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.47%

5.2 History

EQBK has been paying a dividend for over 5 years, so it has already some track record.

The dividend of EQBK decreased in the last 3 years.

Dividend Growth(5Y)N/A

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

EQBK pays out 12.60% of its income as dividend. This is a sustainable payout ratio.

DP12.6%

EPS Next 2Y5.56%

EPS Next 3YN/A

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EQUITY BANCSHARES INC - CL A

NYSE:EQBK (5/5/2025, 8:06:24 PM)

After market: 39.38 0 (0%)

39.38

-0.06 (-0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-15 2025-04-15/amc

Earnings (Next)07-14 2025-07-14/amc

Inst Owners66.8%

Inst Owner Change0.41%

Ins Owners5.13%

Ins Owner Change5.8%

Market Cap689.94M

Analysts78.33

Price Target45.22 (14.83%)

Short Float %0.66%

Short Ratio1.33

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.47%

Yearly Dividend0.48

Dividend Growth(5Y)N/A

DP12.6%

Div Incr Years2

Div Non Decr Years2

Ex-Date03-31 2025-03-31 (0.15)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.02%

Min EPS beat(2)11.8%

Max EPS beat(2)26.25%

EPS beat(4)3

Avg EPS beat(4)5.61%

Min EPS beat(4)-18.83%

Max EPS beat(4)26.25%

EPS beat(8)7

Avg EPS beat(8)6.02%

EPS beat(12)10

Avg EPS beat(12)9.81%

EPS beat(16)14

Avg EPS beat(16)17.08%

Revenue beat(2)0

Avg Revenue beat(2)-3.96%

Min Revenue beat(2)-4.66%

Max Revenue beat(2)-3.26%

Revenue beat(4)1

Avg Revenue beat(4)-1.39%

Min Revenue beat(4)-4.66%

Max Revenue beat(4)3.79%

Revenue beat(8)2

Avg Revenue beat(8)-16.06%

Revenue beat(12)5

Avg Revenue beat(12)-10.17%

Revenue beat(16)8

Avg Revenue beat(16)-5.97%

PT rev (1m)-10.98%

PT rev (3m)-10.98%

EPS NQ rev (1m)-1.16%

EPS NQ rev (3m)-1.16%

EPS NY rev (1m)1.52%

EPS NY rev (3m)1.52%

Revenue NQ rev (1m)0.23%

Revenue NQ rev (3m)0.14%

Revenue NY rev (1m)10.98%

Revenue NY rev (3m)10.66%

Valuation

		Industry Rank	Sector Rank
PE	10.02
Fwd PE	8.88
P/S	3.07
P/FCF	10.56
P/OCF	9.34
P/B	1.16
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)3.93

EY9.98%

EPS(NY)4.43

Fwd EY11.26%

FCF(TTM)3.73

FCFY9.47%

OCF(TTM)4.21

OCFY10.7%

SpS12.84

BVpS33.84

TBVpS29.96

PEG (NY)N/A

PEG (5Y)0.51

Profitability

		Industry Rank	Sector Rank
ROA	1.17%
ROE	10.56%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.83%
GM	N/A
FCFM	29.05%

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	0.23
Debt/FCF	2.06
Debt/EBITDA	N/A
Cap/Depr	82.78%
Cap/Sales	3.77%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	104.36%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC15%

ROIC/WACCN/A

Cap/Depr(3y)101.11%

Cap/Depr(5y)97.81%

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)495.45%

EPS 3Y4.58%

EPS 5Y19.69%

EPS Q2Q%-5.56%

EPS Next Y-4.67%

EPS Next 2Y5.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)55.1%

Revenue growth 3Y8.65%

Revenue growth 5Y8.32%

Sales Q2Q%8.42%

Revenue Next Year17.35%

Revenue Next 2Y14.03%

Revenue Next 3YN/A

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 1Y7.22%

FCF growth 3Y-12.51%

FCF growth 5Y9.45%

OCF growth 1Y-3.5%

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