EQB INC (EQB.CA) Stock Fundamental Analysis
TSX:EQB - Toronto Stock Exchange - CA26886R1047 - Common Stock - Currency: CAD
Overall EQB gets a fundamental rating of 3 out of 10. We evaluated EQB against 31 industry peers in the Banks industry. Both the profitability and financial health of EQB have multiple concerns. EQB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EQB was profitable.
In the past year EQB has reported a negative cash flow from operations.
Each year in the past 5 years EQB has been profitable.
EQB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
EQB's Return On Assets of 0.73% is in line compared to the rest of the industry. EQB outperforms 58.06% of its industry peers.
EQB's Return On Equity of 12.46% is fine compared to the rest of the industry. EQB outperforms 61.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 12.46% | ||
| ROIC | N/A |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)12.55%
ROE(5y)12.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 31.05%, EQB is doing good in the industry, outperforming 77.42% of the companies in the same industry.
EQB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for EQB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.05% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.68%
PM growth 5Y-6.21%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EQB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EQB has been increased compared to 1 year ago.
The number of shares outstanding for EQB has been increased compared to 5 years ago.
The debt/assets ratio for EQB has been reduced compared to a year ago.
2.2 Solvency
EQB has a Debt/Equity ratio of 4.72. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.72, EQB is doing worse than 90.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.72 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EQB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.80%.
Measured over the past years, EQB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.51% on average per year.
The Revenue has grown by 15.94% in the past year. This is quite good.
The Revenue has been growing by 27.26% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)4.8%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%-33.95%
Revenue 1Y (TTM)15.94%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%-26.03%
3.2 Future
The Earnings Per Share is expected to grow by 8.44% on average over the next years. This is quite good.
Based on estimates for the next years, EQB will show a quite strong growth in Revenue. The Revenue will grow by 13.70% on average per year.
EPS Next Y8.88%
EPS Next 2Y11.99%
EPS Next 3Y8.44%
EPS Next 5YN/A
Revenue Next Year12%
Revenue Next 2Y10.73%
Revenue Next 3Y13.7%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.22, which indicates a very decent valuation of EQB.
EQB's Price/Earnings ratio is a bit more expensive when compared to the industry. EQB is more expensive than 70.97% of the companies in the same industry.
EQB is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.47, the valuation of EQB can be described as reasonable.
Based on the Price/Forward Earnings ratio, EQB is valued a bit more expensive than 74.19% of the companies in the same industry.
EQB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.22 | ||
| Fwd PE | 8.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EQB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)0.74
EPS Next 2Y11.99%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
EQB has a Yearly Dividend Yield of 1.91%.
With a Dividend Yield of 1.91, EQB pays less dividend than the industry average, which is at 4.02. 93.55% of the companies listed in the same industry pay a better dividend than EQB!
Compared to an average S&P500 Dividend Yield of 2.27, EQB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
5.2 History
The dividend of EQB is nicely growing with an annual growth rate of 23.89%!
EQB has been paying a dividend for at least 10 years, so it has a reliable track record.
EQB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)23.89%
Div Incr Years2
Div Non Decr Years19
5.3 Sustainability
19.17% of the earnings are spent on dividend by EQB. This is a low number and sustainable payout ratio.
EQB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP19.17%
EPS Next 2Y11.99%
EPS Next 3Y8.44%
TSX:EQB (2/21/2025, 7:00:00 PM)
101.78
-0.57 (-0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.68%
Inst Owner ChangeN/A
Ins Owners1.57%
Ins Owner ChangeN/A
Market Cap3.91B
Analysts76.92
Price Target122.57 (20.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
Yearly Dividend1.95
Dividend Growth(5Y)23.89%
DP19.17%
Div Incr Years2
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.76%
Min EPS beat(2)-14.98%
Max EPS beat(2)1.45%
EPS beat(4)2
Avg EPS beat(4)-3.31%
Min EPS beat(4)-14.98%
Max EPS beat(4)4.01%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-8.02%
Min Revenue beat(2)-10.93%
Max Revenue beat(2)-5.12%
Revenue beat(4)0
Avg Revenue beat(4)-6.21%
Min Revenue beat(4)-10.93%
Max Revenue beat(4)-3.02%
Revenue beat(8)2
Avg Revenue beat(8)0.3%
Revenue beat(12)4
Avg Revenue beat(12)-0.18%
Revenue beat(16)7
Avg Revenue beat(16)1%
PT rev (1m)5.93%
PT rev (3m)11.04%
EPS NQ rev (1m)-4.53%
EPS NQ rev (3m)-7.15%
EPS NY rev (1m)-4.04%
EPS NY rev (3m)-4.04%
Revenue NQ rev (1m)8.8%
Revenue NQ rev (3m)-5.78%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.22 | ||
| Fwd PE | 8.47 | ||
| P/S | 3.12 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.25 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.04
EY10.85%
EPS(NY)12.02
Fwd EY11.81%
FCF(TTM)-8.99
FCFYN/A
OCF(TTM)-7.24
OCFYN/A
SpS32.66
BVpS81.37
TBVpS73.32
PEG (NY)1.04
PEG (5Y)0.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 12.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.05% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)12.55%
ROE(5y)12.94%
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-7.68%
PM growth 5Y-6.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.72 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 112.2% | ||
| Cap/Sales | 5.37% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.13%
ROIC/WACCN/A
Cap/Depr(3y)131.19%
Cap/Depr(5y)126.64%
Cap/Sales(3y)7.05%
Cap/Sales(5y)6.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.8%
EPS 3Y1.88%
EPS 5Y12.51%
EPS Q2Q%-33.95%
EPS Next Y8.88%
EPS Next 2Y11.99%
EPS Next 3Y8.44%
EPS Next 5YN/A
Revenue 1Y (TTM)15.94%
Revenue growth 3Y31.22%
Revenue growth 5Y27.26%
Sales Q2Q%-26.03%
Revenue Next Year12%
Revenue Next 2Y10.73%
Revenue Next 3Y13.7%
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-640.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1030.58%
OCF growth 3YN/A
OCF growth 5YN/A