EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis
NYSE:EQBK - US29460X1090 - Common Stock
41.31 USD
+1.8 (+4.56%)
41.31 USD
0 (0%)
Taking everything into account, EQBK scores 4 out of 10 in our fundamental rating. EQBK was compared to 393 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!
1. Profitability
1.1 Basic Checks
EQBK had positive earnings in the past year.
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 better Return On Assets (1.18%) than 77.86% of its industry peers.
EQBK has a Return On Equity of 10.37%. This is in the better half of the industry: EQBK outperforms 72.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 10.37% | ||
| 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
Looking at the Profit Margin, with a value of 27.88%, EQBK is in the better half of the industry, outperforming 75.32% of the companies in the same industry.
In the last couple of years the Profit Margin of EQBK has grown nicely.
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) | 27.88% | ||
| 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.
EQBK has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, EQBK has more shares outstanding
Compared to 1 year ago, EQBK has an improved debt to assets ratio.
2.2 Solvency
EQBK has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.80, EQBK is in line with its industry, outperforming 54.45% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that EQBK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.22, EQBK is in line with its industry, outperforming 40.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EQBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 562.90%, which is quite impressive.
EQBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.69% yearly.
EQBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.04%.
Measured over the past years, EQBK shows a quite strong growth in Revenue. The Revenue has been growing by 8.32% on average per year.
EPS 1Y (TTM)562.9%
EPS 3Y4.58%
EPS 5Y19.69%
EPS Q2Q%23.68%
Revenue 1Y (TTM)48.04%
Revenue growth 3Y8.65%
Revenue growth 5Y8.32%
Sales Q2Q%5.33%
3.2 Future
Based on estimates for the next years, EQBK will show a small growth in Earnings Per Share. The EPS will grow by 6.28% on average per year.
The Revenue is expected to grow by 10.32% on average over the next years. This is quite good.
EPS Next Y-3.32%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.6%
Revenue Next 2Y13.9%
Revenue Next 3Y10.32%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.05, which indicates a very decent valuation of EQBK.
EQBK's Price/Earnings ratio is rather cheap when compared to the industry. EQBK is cheaper than 82.44% of the companies in the same industry.
EQBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
A Price/Forward Earnings ratio of 9.19 indicates a reasonable valuation of EQBK.
73.03% 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 (35.82), we can say EQBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.05 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EQBK is valued a bit cheaper than 61.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y6.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EQBK has a Yearly Dividend Yield of 1.51%. Purely for dividend investing, there may be better candidates out there.
EQBK's Dividend Yield is slightly below the industry average, which is at 3.41.
Compared to the average S&P500 Dividend Yield of 2.36, EQBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
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 13.56% of its income as dividend. This is a sustainable payout ratio.
DP13.56%
EPS Next 2Y6.28%
EPS Next 3YN/A
41.31
+1.8 (+4.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.94%
Inst Owner Change1.23%
Ins Owners5.17%
Ins Owner Change-1.22%
Market Cap795.63M
Analysts78.18
Price Target47.74 (15.57%)
Short Float %1.02%
Short Ratio1.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP13.56%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6%
Min EPS beat(2)0.2%
Max EPS beat(2)11.8%
EPS beat(4)3
Avg EPS beat(4)4.85%
Min EPS beat(4)-18.83%
Max EPS beat(4)26.25%
EPS beat(8)7
Avg EPS beat(8)5.98%
EPS beat(12)10
Avg EPS beat(12)6.14%
EPS beat(16)14
Avg EPS beat(16)12.01%
Revenue beat(2)1
Avg Revenue beat(2)0.09%
Min Revenue beat(2)-4.66%
Max Revenue beat(2)4.83%
Revenue beat(4)1
Avg Revenue beat(4)-1.13%
Min Revenue beat(4)-4.66%
Max Revenue beat(4)4.83%
Revenue beat(8)3
Avg Revenue beat(8)-14.76%
Revenue beat(12)5
Avg Revenue beat(12)-10.1%
Revenue beat(16)9
Avg Revenue beat(16)-5.54%
PT rev (1m)-0.43%
PT rev (3m)5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.72%
EPS NY rev (1m)0%
EPS NY rev (3m)0.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.9%
Revenue NY rev (1m)-1.32%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.05 | ||
| Fwd PE | 9.19 | ||
| P/S | 3.46 | ||
| P/FCF | 10.67 | ||
| P/OCF | 9.64 | ||
| P/B | 1.29 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.11
EY9.95%
EPS(NY)4.5
Fwd EY10.88%
FCF(TTM)3.87
FCFY9.37%
OCF(TTM)4.28
OCFY10.37%
SpS11.93
BVpS32.05
TBVpS28.57
PEG (NY)N/A
PEG (5Y)0.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 10.37% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.88% | ||
| GM | N/A | ||
| FCFM | 32.47% |
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 | 0.22 | ||
| Debt/FCF | 1.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 75.21% | ||
| Cap/Sales | 3.46% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.4%
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)562.9%
EPS 3Y4.58%
EPS 5Y19.69%
EPS Q2Q%23.68%
EPS Next Y-3.32%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)48.04%
Revenue growth 3Y8.65%
Revenue growth 5Y8.32%
Sales Q2Q%5.33%
Revenue Next Year16.6%
Revenue Next 2Y13.9%
Revenue Next 3Y10.32%
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 1Y-4.14%
FCF growth 3Y-12.51%
FCF growth 5Y9.45%
OCF growth 1Y-3.37%
OCF growth 3Y-10.41%
OCF growth 5Y8.77%