EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:EQBK - US29460X1090 - Common Stock
46.92 USD
-0.47 (-0.99%)
46.92 USD
0 (0%)
Overall EQBK gets a fundamental rating of 3 out of 10. We evaluated EQBK against 383 industry peers in the Banks industry. EQBK may be in some trouble as it scores bad on both profitability and health. EQBK is valued quite expensive, but it does show an excellent growth.
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.
- Of the past 5 years EQBK 4 years were profitable.
- Each year in the past 5 years EQBK had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.28%, EQBK is not doing good in the industry: 85.64% of the companies in the same industry are doing better.
- EQBK has a worse Return On Equity (2.48%) than 85.38% 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
- EQBK has a Profit Margin of 9.03%. This is amonst the worse of the industry: EQBK underperforms 84.86% of its industry peers.
- EQBK's Profit Margin has improved 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) | 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.
- Compared to 1 year ago, EQBK has more shares outstanding
- The number of shares outstanding for EQBK has been increased compared to 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 1.98, which is an excellent value as it means it would take EQBK, only 1.98 years of fcf income to pay off all of its debts.
- EQBK has a Debt to FCF ratio (1.98) which is in line with its industry peers.
- A Debt/Equity ratio of 0.20 indicates that EQBK is not too dependend on debt financing.
- EQBK has a Debt to Equity ratio (0.20) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.89%
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.
- Looking at the last year, EQBK shows a very strong growth in Revenue. 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
- EQBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.19% yearly.
- The Revenue is expected to grow by 18.05% on average over the next years. This is quite good.
EPS Next Y-8.35%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
EPS Next 5YN/A
Revenue Next Year9.69%
Revenue Next 2Y25.17%
Revenue Next 3Y18.05%
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
- Based on the Price/Earnings ratio of 36.66, the valuation of EQBK can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of EQBK indicates a rather expensive valuation: EQBK more expensive than 85.90% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. EQBK is valued slightly more expensive when compared to this.
- The Price/Forward Earnings ratio is 9.11, 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 76.50% of the companies are valued more expensively.
- EQBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.66 | ||
| Fwd PE | 9.11 |
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 | 12.64 | ||
| 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)1.86
EPS Next 2Y13.76%
EPS Next 3Y12.19%
5. Dividend
5.1 Amount
- EQBK has a Yearly Dividend Yield of 1.39%.
- EQBK's Dividend Yield is slightly below the industry average, which is at 2.86.
- Compared to the average S&P500 Dividend Yield of 1.84, EQBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
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 58.16% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP58.16%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
46.92
-0.47 (-0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-14 2025-10-14/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners64.69%
Inst Owner Change0.01%
Ins Owners5.12%
Ins Owner Change-1.85%
Market Cap895.23M
Revenue(TTM)195.31M
Net Income(TTM)17.64M
Analysts78.33
Price Target51.82 (10.44%)
Short Float %2.65%
Short Ratio5.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP58.16%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)-39.13%
EPS beat(12)9
Avg EPS beat(12)-25.24%
EPS beat(16)13
Avg EPS beat(16)-13.67%
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)1.2%
PT rev (3m)4.21%
EPS NQ rev (1m)-1.19%
EPS NQ rev (3m)10.66%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.72%
Revenue NQ rev (1m)1.03%
Revenue NQ rev (3m)3.39%
Revenue NY rev (1m)-2.83%
Revenue NY rev (3m)-0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.66 | ||
| Fwd PE | 9.11 | ||
| P/S | 4.58 | ||
| P/FCF | 12.64 | ||
| P/OCF | 11.13 | ||
| P/B | 1.26 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY2.73%
EPS(NY)5.15
Fwd EY10.98%
FCF(TTM)3.71
FCFY7.91%
OCF(TTM)4.21
OCFY8.98%
SpS10.24
BVpS37.31
TBVpS32.05
PEG (NY)N/A
PEG (5Y)1.86
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 | 36.25% |
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 | 1.98 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 92.54% | ||
| Cap/Sales | 4.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 401.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.89%
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 Year9.69%
Revenue Next 2Y25.17%
Revenue Next 3Y18.05%
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 1Y7.94%
FCF growth 3Y-12.51%
FCF growth 5Y9.45%
OCF growth 1Y0.52%
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 for 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 financial health of EQUITY BANCSHARES INC - CL A (EQBK) stock?
The financial health rating of EQUITY BANCSHARES INC - CL A (EQBK) is 2 / 10.
Is the dividend of EQUITY BANCSHARES INC - CL A sustainable?
The dividend rating of EQUITY BANCSHARES INC - CL A (EQBK) is 3 / 10 and the dividend payout ratio is 58.16%.