EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis
USA - NYSE:EQBK - US29460X1090 - Common Stock
40.51 USD
-0.24 (-0.59%)
40.51 USD
0 (0%)
EQBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 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 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.
In the past year EQBK had a positive cash flow from operations.
EQBK had positive earnings in 4 of the past 5 years.
Each year in the past 5 years EQBK had a positive operating cash flow.
1.2 Ratios
EQBK has a better Return On Assets (1.25%) than 82.05% of its industry peers.
With a decent Return On Equity value of 10.59%, EQBK is doing good in the industry, outperforming 72.31% 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 Profit Margin of 28.92%. This is in the better half of the industry: EQBK outperforms 77.69% 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) | 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
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.
The Debt to FCF ratio of EQBK (0.71) is better than 78.97% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that EQBK is not too dependend on debt financing.
EQBK's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. EQBK outperforms 71.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.35%
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 16.36%, which is quite good.
The Earnings Per Share has been growing by 19.69% on average over the past years. This is quite good.
EQBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.01%.
The Revenue has been growing by 8.32% on average over the past years. This is quite good.
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 17.76% on average over the next years. This is quite good.
EPS Next Y4.56%
EPS Next 2Y13.71%
EPS Next 3Y12.19%
EPS Next 5YN/A
Revenue Next Year10.13%
Revenue Next 2Y24.67%
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 31.65 indicates a quite expensive valuation of EQBK.
Based on the Price/Earnings ratio, EQBK is valued more expensive than 85.13% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.11. EQBK is valued slightly more expensive when compared to this.
The Price/Forward Earnings ratio is 7.87, which indicates a rather cheap valuation of EQBK.
EQBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. EQBK is cheaper than 82.31% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. EQBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.65 | ||
| Fwd PE | 7.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EQBK is valued a bit cheaper than the industry average as 72.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates EQBK does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as EQBK's earnings are expected to grow with 12.19% in the coming years.
PEG (NY)6.94
PEG (5Y)1.61
EPS Next 2Y13.71%
EPS Next 3Y12.19%
5. Dividend
5.1 Amount
EQBK has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
EQBK's Dividend Yield is slightly below the industry average, which is at 3.51.
EQBK's Dividend Yield is slightly below the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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
14.14% of the earnings are spent on dividend by EQBK. This is a low number and sustainable payout ratio.
DP14.14%
EPS Next 2Y13.71%
EPS Next 3Y12.19%
40.51
-0.24 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.3%
Inst Owner Change-0.22%
Ins Owners5.19%
Ins Owner Change-2.92%
Market Cap774.15M
Revenue(TTM)195.31M
Net Income(TTM)67.29M
Analysts78.18
Price Target51.2 (26.39%)
Short Float %1.92%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP14.14%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)4.58%
PT rev (3m)6.81%
EPS NQ rev (1m)-36.63%
EPS NQ rev (3m)-36.58%
EPS NY rev (1m)8.71%
EPS NY rev (3m)8.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-27.6%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-5.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.65 | ||
| Fwd PE | 7.87 | ||
| P/S | 3.33 | ||
| P/FCF | 9.06 | ||
| P/OCF | 8.17 | ||
| P/B | 1.22 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY3.16%
EPS(NY)5.15
Fwd EY12.7%
FCF(TTM)4.47
FCFY11.03%
OCF(TTM)4.96
OCFY12.24%
SpS12.17
BVpS33.26
TBVpS29.81
PEG (NY)6.94
PEG (5Y)1.61
Graham Number30.95
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
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-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
WACC14.35%
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 Y4.56%
EPS Next 2Y13.71%
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 Year10.13%
Revenue Next 2Y24.67%
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 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 FAQ
Can you provide the ChartMill fundamental rating for EQUITY BANCSHARES INC - CL A?
ChartMill assigns a fundamental rating of 5 / 10 to EQBK.
What is the valuation status of EQUITY BANCSHARES INC - CL A (EQBK) stock?
ChartMill assigns a valuation rating of 6 / 10 to EQUITY BANCSHARES INC - CL A (EQBK). This can be considered as Fairly Valued.
How profitable is EQUITY BANCSHARES INC - CL A (EQBK) stock?
EQUITY BANCSHARES INC - CL A (EQBK) has a profitability rating of 4 / 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 31.65 and the Price/Book (PB) ratio is 1.22.
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 grow by 4.56% in the next year.