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

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

42.88  -0.88 (-2.01%)

Fundamental Rating

3

EQBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. Both the profitability and financial health of EQBK have multiple concerns. EQBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years EQBK always reported a positive cash flow from operatings.
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 0 50M -50M 100M

1.2 Ratios

EQBK has a Return On Assets of 0.32%. This is amonst the worse of the industry: EQBK underperforms 81.91% of its industry peers.
Looking at the Return On Equity, with a value of 3.44%, EQBK is doing worse than 83.92% of the companies in the same industry.
Industry RankSector Rank
ROA 0.32%
ROE 3.44%
ROIC N/A
ROA(3y)0.78%
ROA(5y)0.22%
ROE(3y)8.76%
ROE(5y)2.65%
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 0 10 -10

1.3 Margins

EQBK has a Profit Margin of 10.65%. This is amonst the worse of the industry: EQBK underperforms 82.66% of its industry peers.
In the last couple of years the Profit Margin of EQBK has declined.
The Operating Margin and Gross Margin are not available for EQBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-25.75%
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 0 20 -20 -40

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3

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 less shares outstanding
Compared to 5 years ago, EQBK has less shares outstanding
EQBK has a worse debt/assets ratio than last year.
EQBK Yearly Shares OutstandingEQBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of EQBK is 2.47, which is a good value as it means it would take EQBK, 2.47 years of fcf income to pay off all of its debts.
EQBK has a Debt to FCF ratio (2.47) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.27 indicates that EQBK is not too dependend on debt financing.
EQBK has a worse Debt to Equity ratio (0.27) than 61.06% of its industry peers.
Although EQBK does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.47
Altman-Z N/A
ROIC/WACCN/A
WACC12.56%
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 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 50M 100M 150M 200M

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4

3. Growth

3.1 Past

The earnings per share for EQBK have decreased strongly by -64.40% in the last year.
The earnings per share for EQBK have been decreasing by -25.50% on average. This is quite bad
EQBK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.20%.
EQBK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.65% yearly.
EPS 1Y (TTM)-64.4%
EPS 3Y-34.31%
EPS 5Y-25.5%
EPS Q2Q%60%
Revenue 1Y (TTM)-16.2%
Revenue growth 3Y-4.12%
Revenue growth 5Y-0.65%
Sales Q2Q%11.26%

3.2 Future

EQBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 100.89% yearly.
EQBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.69% yearly.
EPS Next Y645.75%
EPS Next 2Y168.57%
EPS Next 3Y100.89%
EPS Next 5YN/A
Revenue Next Year27.08%
Revenue Next 2Y16.09%
Revenue Next 3Y12.69%
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 accelerating.
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.
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 2014 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

With a Price/Earnings ratio of 38.98, EQBK can be considered very expensive at the moment.
88.44% of the companies in the same industry are cheaper than EQBK, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.29, EQBK is valued a bit more expensive.
The Price/Forward Earnings ratio is 11.22, which indicates a very decent valuation of EQBK.
EQBK's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, EQBK is valued rather cheaply.
Industry RankSector Rank
PE 38.98
Fwd PE 11.22
EQBK Price Earnings VS Forward Price EarningsEQBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

EQBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.34
EV/EBITDA N/A
EQBK Per share dataEQBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

EQBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EQBK's earnings are expected to grow with 100.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y168.57%
EPS Next 3Y100.89%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.26%, EQBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.22, EQBK is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.28, EQBK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.26%

5.2 History

EQBK has been paying a dividend for less than 5 years, so it still needs to build a track record.
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 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

EQBK pays out 42.75% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.75%
EPS Next 2Y168.57%
EPS Next 3Y100.89%
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 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 (1/22/2025, 11:49:43 AM)

42.88

-0.88 (-2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15 2024-10-15/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners60.26%
Inst Owner Change-0.21%
Ins Owners6.13%
Ins Owner Change-7.8%
Market Cap732.82M
Analysts80
Price Target53.45 (24.65%)
Short Float %0.27%
Short Ratio0.62
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly Dividend0.42
Dividend Growth(5Y)N/A
DP42.75%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.71%
Min EPS beat(2)-18.83%
Max EPS beat(2)26.25%
EPS beat(4)3
Avg EPS beat(4)3.7%
Min EPS beat(4)-18.83%
Max EPS beat(4)26.25%
EPS beat(8)6
Avg EPS beat(8)3.11%
EPS beat(12)10
Avg EPS beat(12)9.09%
EPS beat(16)14
Avg EPS beat(16)18.41%
Revenue beat(2)0
Avg Revenue beat(2)-2.36%
Min Revenue beat(2)-3.26%
Max Revenue beat(2)-1.46%
Revenue beat(4)1
Avg Revenue beat(4)-28.51%
Min Revenue beat(4)-113.12%
Max Revenue beat(4)3.79%
Revenue beat(8)2
Avg Revenue beat(8)-15.9%
Revenue beat(12)6
Avg Revenue beat(12)-9.74%
Revenue beat(16)9
Avg Revenue beat(16)-4.86%
PT rev (1m)8.71%
PT rev (3m)18.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.52%
EPS NY rev (1m)0%
EPS NY rev (3m)4.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.83%
Valuation
Industry RankSector Rank
PE 38.98
Fwd PE 11.22
P/S 4.5
P/FCF 13.34
P/OCF 11.26
P/B 1.45
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)1.1
EY2.57%
EPS(NY)3.82
Fwd EY8.92%
FCF(TTM)3.22
FCFY7.5%
OCF(TTM)3.81
OCFY8.88%
SpS9.52
BVpS29.49
TBVpS25.45
PEG (NY)0.06
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 3.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.65%
GM N/A
FCFM 33.77%
ROA(3y)0.78%
ROA(5y)0.22%
ROE(3y)8.76%
ROE(5y)2.65%
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 3YN/A
PM growth 5Y-25.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.47
Debt/EBITDA N/A
Cap/Depr 108.17%
Cap/Sales 6.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 316.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.56%
ROIC/WACCN/A
Cap/Depr(3y)98.27%
Cap/Depr(5y)104.26%
Cap/Sales(3y)5.27%
Cap/Sales(5y)5.27%
Profit Quality(3y)362.53%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-64.4%
EPS 3Y-34.31%
EPS 5Y-25.5%
EPS Q2Q%60%
EPS Next Y645.75%
EPS Next 2Y168.57%
EPS Next 3Y100.89%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.2%
Revenue growth 3Y-4.12%
Revenue growth 5Y-0.65%
Sales Q2Q%11.26%
Revenue Next Year27.08%
Revenue Next 2Y16.09%
Revenue Next 3Y12.69%
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-30.35%
FCF growth 3Y21.36%
FCF growth 5Y16.92%
OCF growth 1Y-19.46%
OCF growth 3Y20.63%
OCF growth 5Y15.83%