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EQUITY BANCSHARES INC - CL A (EQBK) Stock Fundamental Analysis

NYSE:EQBK - New York Stock Exchange, Inc. - US29460X1090 - Common Stock - Currency: USD

38.39  +0.6 (+1.59%)

After market: 38.39 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to EQBK. EQBK was compared to 398 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 growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

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.
EQBK had positive earnings in 4 of the past 5 years.
EQBK had a positive operating cash flow in each of the past 5 years.
EQBK Yearly Net Income VS EBIT VS OCF VS FCFEQBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

With a decent Return On Assets value of 1.17%, EQBK is doing good in the industry, outperforming 75.88% of the companies in the same industry.
EQBK's Return On Equity of 10.56% is fine compared to the rest of the industry. EQBK outperforms 74.12% of its industry peers.
Industry RankSector Rank
ROA 1.17%
ROE 10.56%
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
EQBK Yearly ROA, ROE, ROICEQBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

Looking at the Profit Margin, with a value of 27.83%, EQBK is in the better half of the industry, outperforming 75.63% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 27.83%
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
EQBK Yearly Profit, Operating, Gross MarginsEQBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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2

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
The number of shares outstanding for EQBK has been increased compared to 5 years ago.
Compared to 1 year ago, EQBK has an improved debt to assets ratio.
EQBK Yearly Shares OutstandingEQBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
EQBK Yearly Total Debt VS Total AssetsEQBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

EQBK has a debt to FCF ratio of 2.06. This is a good value and a sign of high solvency as EQBK would need 2.06 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.06, EQBK perfoms like the industry average, outperforming 52.76% of the companies in the same industry.
EQBK has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.23, EQBK perfoms like the industry average, outperforming 41.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACCN/A
WACC15.13%
EQBK Yearly LT Debt VS Equity VS FCFEQBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EQBK Yearly Current Assets VS Current LiabilitesEQBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 495.45% over the past year.
The Earnings Per Share has been growing by 19.69% on average over the past years. This is quite good.
The Revenue has grown by 55.10% in the past year. This is a very strong growth!
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)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

The Earnings Per Share is expected to grow by 5.56% on average over the next years.
Based on estimates for the next years, EQBK will show a quite strong growth in Revenue. The Revenue will grow by 14.03% on average per year.
EPS Next Y-4.67%
EPS Next 2Y5.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.35%
Revenue Next 2Y14.03%
Revenue Next 3YN/A
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 Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
EQBK Yearly Revenue VS EstimatesEQBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
EQBK Yearly EPS VS EstimatesEQBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4 -4

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.77, the valuation of EQBK can be described as reasonable.
EQBK's Price/Earnings ratio is a bit cheaper when compared to the industry. EQBK is cheaper than 76.38% of the companies in the same industry.
When comparing the Price/Earnings ratio of EQBK to the average of the S&P500 Index (28.64), we can say EQBK is valued rather cheaply.
The Price/Forward Earnings ratio is 8.66, which indicates a very decent valuation of EQBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EQBK indicates a somewhat cheap valuation: EQBK is cheaper than 71.11% of the companies listed in the same industry.
EQBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.77
Fwd PE 8.66
EQBK Price Earnings VS Forward Price EarningsEQBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EQBK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.29
EV/EBITDA N/A
EQBK Per share dataEQBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y5.56%
EPS Next 3YN/A

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3

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 3.68.
With a Dividend Yield of 1.51, EQBK pays less dividend than the S&P500 average, which is at 2.52.
Industry RankSector 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.
The dividend of EQBK decreased in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
EQBK Yearly Dividends per shareEQBK Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

EQBK pays out 12.60% of its income as dividend. This is a sustainable payout ratio.
DP12.6%
EPS Next 2Y5.56%
EPS Next 3YN/A
EQBK Yearly Income VS Free CF VS DividendEQBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M
EQBK Dividend Payout.EQBK Dividend Payout, showing the Payout Ratio.EQBK Dividend Payout.PayoutRetained Earnings

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EQUITY BANCSHARES INC - CL A

NYSE:EQBK (4/23/2025, 8:04:01 PM)

After market: 38.39 0 (0%)

38.39

+0.6 (+1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/amc
Earnings (Next)07-14 2025-07-14/amc
Inst Owners66.8%
Inst Owner Change0.02%
Ins Owners5.13%
Ins Owner Change-4.01%
Market Cap672.59M
Analysts80
Price Target45.22 (17.79%)
Short Float %0.29%
Short Ratio0.66
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP12.6%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-31 2025-03-31 (0.15)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.02%
Min EPS beat(2)11.8%
Max EPS beat(2)26.25%
EPS beat(4)3
Avg EPS beat(4)5.61%
Min EPS beat(4)-18.83%
Max EPS beat(4)26.25%
EPS beat(8)7
Avg EPS beat(8)6.02%
EPS beat(12)10
Avg EPS beat(12)9.81%
EPS beat(16)14
Avg EPS beat(16)17.08%
Revenue beat(2)0
Avg Revenue beat(2)-3.96%
Min Revenue beat(2)-4.66%
Max Revenue beat(2)-3.26%
Revenue beat(4)1
Avg Revenue beat(4)-1.39%
Min Revenue beat(4)-4.66%
Max Revenue beat(4)3.79%
Revenue beat(8)2
Avg Revenue beat(8)-16.06%
Revenue beat(12)5
Avg Revenue beat(12)-10.17%
Revenue beat(16)8
Avg Revenue beat(16)-5.97%
PT rev (1m)-1.2%
PT rev (3m)-6.11%
EPS NQ rev (1m)-1.16%
EPS NQ rev (3m)-9.99%
EPS NY rev (1m)1.52%
EPS NY rev (3m)-0.75%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)7.19%
Revenue NY rev (3m)6.87%
Valuation
Industry RankSector Rank
PE 9.77
Fwd PE 8.66
P/S 2.99
P/FCF 10.29
P/OCF 9.11
P/B 1.13
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.93
EY10.24%
EPS(NY)4.43
Fwd EY11.55%
FCF(TTM)3.73
FCFY9.72%
OCF(TTM)4.21
OCFY10.98%
SpS12.84
BVpS33.84
TBVpS29.96
PEG (NY)N/A
PEG (5Y)0.5
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 10.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.83%
GM N/A
FCFM 29.05%
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 RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.06
Debt/EBITDA N/A
Cap/Depr 82.78%
Cap/Sales 3.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.13%
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)495.45%
EPS 3Y4.58%
EPS 5Y19.69%
EPS Q2Q%-5.56%
EPS Next Y-4.67%
EPS Next 2Y5.56%
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 Year17.35%
Revenue Next 2Y14.03%
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 1Y7.22%
FCF growth 3Y-12.51%
FCF growth 5Y9.45%
OCF growth 1Y-3.5%
OCF growth 3Y-10.41%
OCF growth 5Y8.77%