EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:EQBK - US29460X1090 - Common Stock
45.78 USD
-1.72 (-3.62%)
45.78 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to EQBK. EQBK was compared to 385 industry peers in the Banks industry. Both the profitability and financial health of EQBK have multiple concerns. 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.
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 Return On Assets of 0.27%. This is amonst the worse of the industry: EQBK underperforms 86.49% of its industry peers.
EQBK's Return On Equity of 2.39% is on the low side compared to the rest of the industry. EQBK is outperformed by 86.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 2.39% | ||
| 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
Looking at the Profit Margin, with a value of 8.70%, EQBK is doing worse than 86.23% of the companies in the same industry.
EQBK's Profit Margin has improved in the last couple of years.
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) | 8.7% | ||
| 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.
Compared to 1 year ago, EQBK has more shares outstanding
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
EQBK has a debt to FCF ratio of 1.99. This is a very positive value and a sign of high solvency as it would only need 1.99 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.99, EQBK perfoms like the industry average, outperforming 47.79% of the companies in the same industry.
EQBK has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
EQBK's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. EQBK outperforms 43.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.85%
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.
EQBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.01%.
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)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.
EQBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.76% yearly.
EPS Next Y-8.35%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
EPS Next 5YN/A
Revenue Next Year12.89%
Revenue Next 2Y24.76%
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.
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
A Price/Earnings ratio of 35.77 indicates a quite expensive valuation of EQBK.
86.23% of the companies in the same industry are cheaper than EQBK, based on the Price/Earnings ratio.
EQBK is valuated rather expensively when we compare the Price/Earnings ratio to 26.38, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.89, which indicates a very decent valuation of EQBK.
EQBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EQBK is cheaper than 78.70% of the companies in the same industry.
EQBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.77 | ||
| Fwd PE | 8.89 |
4.2 Price Multiples
EQBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.41 | ||
| 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)1.82
EPS Next 2Y13.76%
EPS Next 3Y12.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.39%, EQBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.70, EQBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.87, 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 60.35% of its income as dividend. This is not a sustainable payout ratio.
DP60.35%
EPS Next 2Y13.76%
EPS Next 3Y12.19%
45.78
-1.72 (-3.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.71%
Inst Owner Change10.42%
Ins Owners5.05%
Ins Owner Change-2.15%
Market Cap873.48M
Revenue(TTM)195.31M
Net Income(TTM)17.00M
Analysts78.33
Price Target51.2 (11.84%)
Short Float %2.72%
Short Ratio4.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
Yearly Dividend0.49
Dividend Growth(5Y)N/A
DP60.35%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-39.18%
EPS beat(12)9
Avg EPS beat(12)-25.28%
EPS beat(16)13
Avg EPS beat(16)-13.7%
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)0%
PT rev (3m)4.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.72%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.77 | ||
| Fwd PE | 8.89 | ||
| P/S | 4.47 | ||
| P/FCF | 12.41 | ||
| P/OCF | 10.92 | ||
| P/B | 1.23 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY2.8%
EPS(NY)5.15
Fwd EY11.25%
FCF(TTM)3.69
FCFY8.06%
OCF(TTM)4.19
OCFY9.16%
SpS10.24
BVpS37.32
TBVpS32.02
PEG (NY)N/A
PEG (5Y)1.82
Graham Number32.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 2.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 8.7% | ||
| GM | N/A | ||
| FCFM | 36.04% |
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
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-2.2%
PM growth 5Y10.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 92.59% | ||
| Cap/Sales | 4.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 414.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.85%
ROIC/WACCN/A
Cap/Depr(3y)108.67%
Cap/Depr(5y)102.35%
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)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 Year12.89%
Revenue Next 2Y24.76%
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 1Y7.3%
FCF growth 3Y-12.44%
FCF growth 5Y9.51%
OCF growth 1Y0%
OCF growth 3Y-10.35%
OCF growth 5Y8.82%
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 of EQUITY BANCSHARES INC - CL A (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 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 35.77 and the Price/Book (PB) ratio is 1.23.
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 decline by -8.35% in the next year.