EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis
NYSE:EQBK - New York Stock Exchange, Inc. - US29460X1090 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to EQBK. EQBK was compared to 395 industry peers in the Banks industry. EQBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. EQBK is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
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
The Return On Assets of EQBK (1.18%) is better than 77.72% of its industry peers.
EQBK has a better Return On Equity (10.37%) than 70.63% 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)8.81%
ROE(5y)3.7%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of EQBK (27.86%) is better than 75.44% 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) | 27.86% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.2%
PM growth 5Y10.54%
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
EQBK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of EQBK is 1.79, which is an excellent value as it means it would take EQBK, only 1.79 years of fcf income to pay off all of its debts.
EQBK has a Debt to FCF ratio of 1.79. This is comparable to the rest of the industry: EQBK outperforms 53.92% of its industry peers.
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 doing worse than 61.01% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for EQBK, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.53%
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 impressive 495.45% 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.
EQBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.10%.
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
EQBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.40% yearly.
EQBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.11% yearly.
EPS Next Y-3.77%
EPS Next 2Y6.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.98%
Revenue Next 2Y14.11%
Revenue Next 3YN/A
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
With a Price/Earnings ratio of 10.22, the valuation of EQBK can be described as very reasonable.
Based on the Price/Earnings ratio, EQBK is valued a bit cheaper than the industry average as 74.68% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.65, EQBK is valued rather cheaply.
A Price/Forward Earnings ratio of 8.92 indicates a reasonable valuation of EQBK.
EQBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EQBK is cheaper than 63.80% of the companies in the same industry.
EQBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | 8.92 |
4.2 Price Multiples
EQBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EQBK is cheaper than 64.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.52
EPS Next 2Y6.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EQBK has a Yearly Dividend Yield of 1.55%.
Compared to an average industry Dividend Yield of 3.61, EQBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.44, EQBK is paying slightly less dividend.
| 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
13.56% of the earnings are spent on dividend by EQBK. This is a low number and sustainable payout ratio.
DP13.56%
EPS Next 2Y6.4%
EPS Next 3YN/A
40.18
+0.39 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.28%
Inst Owner Change2.46%
Ins Owners5.69%
Ins Owner Change2.63%
Market Cap703.95M
Analysts78.33
Price Target45.29 (12.72%)
Short Float %0.69%
Short Ratio1.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
Yearly Dividend0.49
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)0.15%
PT rev (3m)-10.84%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)-1.86%
EPS NY rev (1m)0.29%
EPS NY rev (3m)2.47%
Revenue NQ rev (1m)0.85%
Revenue NQ rev (3m)4.6%
Revenue NY rev (1m)0.53%
Revenue NY rev (3m)11.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | 8.92 | ||
| P/S | 3.06 | ||
| P/FCF | 9.38 | ||
| P/OCF | 8.48 | ||
| P/B | 1.14 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.93
EY9.78%
EPS(NY)4.51
Fwd EY11.21%
FCF(TTM)4.28
FCFY10.66%
OCF(TTM)4.74
OCFY11.79%
SpS13.11
BVpS35.22
TBVpS31.39
PEG (NY)N/A
PEG (5Y)0.52
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) | 27.86% | ||
| GM | N/A | ||
| FCFM | 32.68% |
ROA(3y)0.83%
ROA(5y)0.33%
ROE(3y)8.81%
ROE(5y)3.7%
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-2.2%
PM growth 5Y10.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 83.91% | ||
| Cap/Sales | 3.46% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.53%
ROIC/WACCN/A
Cap/Depr(3y)102.74%
Cap/Depr(5y)98.79%
Cap/Sales(3y)5.66%
Cap/Sales(5y)5.17%
Profit Quality(3y)335.46%
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-3.77%
EPS Next 2Y6.4%
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 Year17.98%
Revenue Next 2Y14.11%
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 1Y-3.52%
FCF growth 3Y-12.44%
FCF growth 5Y9.51%
OCF growth 1Y-2.81%
OCF growth 3Y-10.35%
OCF growth 5Y8.82%