(EQBK) Equity Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 932m USD | Total Return: 20.1% in 12m
Avg Turnover: 3.54M
EPS Trend: 88.2%
Qual. Beats: 0
Rev. Trend: 82.7%
Qual. Beats: 2
Warnings
Fakeout
Tailwinds
No distinct edge detected
Equity Bancshares, Inc. (EQBK) is a regional bank holding company headquartered in Wichita, Kansas. It provides traditional retail and commercial banking services, including deposit accounts, treasury management, and specialized lending products such as equipment and aircraft financing. The company serves a diverse geographic footprint across Arkansas, Kansas, Missouri, and Oklahoma.
Operating within the regional banking sector, EQBK relies on a spread-based business model, generating revenue primarily through the net interest margin between deposit costs and loan yields. Regional banks often focus on community-based relationships to compete with national institutions, frequently utilizing commercial real estate and small business lending as core growth drivers. Investors may find additional performance metrics and peer comparisons on ValueRay.
The company’s service suite extends beyond lending to include wealth management, insurance brokerage, and digital banking solutions. By offering specialized cash management services like remote deposit capture and positive pay, EQBK targets commercial clients requiring sophisticated liquidity and fraud prevention tools.
- Strategic acquisitions drive asset growth and market share in the Midwest
- Net interest margin fluctuates with Federal Reserve interest rate policy shifts
- Commercial and industrial loan demand impacts core interest income revenue
- Operational efficiency improves through integration of digital banking and treasury services
- Regional economic performance in Kansas and Missouri dictates credit loss provisions
| Net Income: 24.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.99 > 1.0 |
| NWC/Revenue: -1.42k% < 20% (prev -972.1%; Δ -450.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 45.4m > Net Income 24.7m |
| Net Debt (-1.21b) to EBITDA (48.8m): -24.87 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.2m) vs 12m ago 8.70% < -2% |
| Gross Margin: 51.33% > 18% (prev 0.67%; Δ 5.07k% > 0.5%) |
| Asset Turnover: 5.30% > 50% (prev 6.11%; Δ -0.81% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBITDA TTM 48.8m / Interest Expense TTM 114.7m) |
| A: -0.64 (Total Current Assets 1.74b - Total Current Liabilities 6.69b) / Total Assets 7.67b |
| B: 0.03 (Retained Earnings 218.5m / Total Assets 7.67b) |
| C: 0.01 (EBIT TTM 36.1m / Avg Total Assets 6.56b) |
| D: 0.03 (Book Value of Equity 219.7m / Total Liabilities 6.85b) |
| Altman-Z'' = -4.07 = D |
| DSRI: 1.43 (Receivables 40.0m/26.8m, Revenue 347.4m/332.5m) |
| GMI: 1.30 (GM 51.33% / 66.70%) |
| AQI: 1.00 (AQ_t 0.75 / AQ_t-1 0.76) |
| SGI: 1.04 (Revenue 347.4m / 332.5m) |
| TATA: -0.00 (NI 24.7m - CFO 45.4m) / TA 7.67b) |
| Beneish M = -2.37 (Cap -4..+1) = BBB |
As of May 24, 2026, the stock is trading at USD 45.76 with a total of 45,794 shares traded.
Over the past week, the price has changed by +3.84%,
over one month by +2.27%,
over three months by +2.01% and
over the past year by +20.13%.
Equity Bancshares has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy EQBK.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 51.6 | 12.8% |
P/E Forward = 10.3842
P/S = 4.2216
P/B = 1.156
P/EG = 1.6942
Revenue TTM = 347.4m USD
EBIT TTM = 36.1m USD
EBITDA TTM = 48.8m USD
Long Term Debt = 445.9m USD (from longTermDebt, last quarter)
Short Term Debt = 386.7m USD (from shortTermDebt, last quarter)
Debt = 484.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.21b USD (calculated: Debt 484.9m - CCE 1.70b)
Enterprise Value = 931.6m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.32 (Ebit TTM 36.1m / Interest Expense TTM 114.7m)
EV/FCF = 31.21x (Enterprise Value 931.6m / FCF TTM 29.9m)
FCF Yield = 3.20% (FCF TTM 29.9m / Enterprise Value 931.6m)
FCF Margin = 8.59% (FCF TTM 29.9m / Revenue TTM 347.4m)
Net Margin = 7.10% (Net Income TTM 24.7m / Revenue TTM 347.4m)
Gross Margin = 51.33% ((Revenue TTM 347.4m - Cost of Revenue TTM 169.1m) / Revenue TTM)
Gross Margin QoQ = 65.69% (prev 72.74%)
Tobins Q-Ratio = 0.12 (Enterprise Value 931.6m / Total Assets 7.67b)
Interest Expense / Debt = 23.66% (Interest Expense 114.7m / Debt 484.9m)
Taxrate = 23.67% (5.26m / 22.2m)
NOPAT = 27.6m (EBIT 36.1m * (1 - 23.67%))
Current Ratio = 0.26 (Total Current Assets 1.74b / Total Current Liabilities 6.69b)
Debt / Equity = 0.59 (Debt 484.9m / totalStockholderEquity, last quarter 817.6m)
Debt / EBITDA = -24.87 (Net Debt -1.21b / EBITDA 48.8m)
Debt / FCF = -40.61 (Net Debt -1.21b / FCF TTM 29.9m)
Total Stockholder Equity = 724.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.38% (Net Income 24.7m / Total Assets 7.67b)
RoE = 3.40% (Net Income TTM 24.7m / Total Stockholder Equity 724.3m)
RoCE = 3.09% (EBIT 36.1m / Capital Employed (Equity 724.3m + L.T.Debt 445.9m))
RoIC = 2.02% (NOPAT 27.6m / Invested Capital 1.37b)
WACC = 11.91% (E(931.6m)/V(1.42b) * Re(8.71%) + D(484.9m)/V(1.42b) * Rd(23.66%) * (1-Tc(0.24)))
Discount Rate = 8.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 80.90 | Cagr: 10.25%
[DCF] Terminal Value 61.06% ; FCFF base≈47.9m ; Y1≈42.0m ; Y5≈33.9m
[DCF] Fair Price = 75.44 (EV 344.8m - Net Debt -1.21b = Equity 1.56b / Shares 20.6m; r=11.91% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 88.15 | EPS CAGR: 14.12% | SUE: 0.80 | # QB: 0
Revenue Correlation: 82.66 | Revenue CAGR: 14.67% | SUE: 1.01 | # QB: 2
EPS current Quarter (2026-06-30): EPS=1.22 | Chg30d=-1.67% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=1.27 | Chg30d=-1.96% | Revisions=-25% | Analysts=5
EPS current Year (2026-12-31): EPS=5.05 | Chg30d=+1.10% | Revisions=+14% | GrowthEPS=+21.0% | GrowthRev=+28.9%
EPS next Year (2027-12-31): EPS=5.27 | Chg30d=-0.70% | Revisions=+0% | GrowthEPS=+4.2% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: -25%