EQBK Stock Analysis: Equity Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 989m USD | 12M Return: 18.9% | US29460X1090 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.25M
EPS Trend: 89.6%
Qual. Beats: 1
Rev. Trend: 86.4%
Qual. Beats: 3
Warnings
Tailwinds
Seasonality 10.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Equity Bancshares, Inc. (EQBK) is the bank holding company for Equity Bank, providing a broad range of banking, mortgage banking, and financial services to individual and corporate customers. The company accepts demand, savings, money market, and time deposits, and offers an extensive loan portfolio covering commercial and industrial lending, commercial real estate, equipment and aircraft financing, real estate construction, residential mortgages, agricultural loans, and consumer credit. Beyond lending, Equity Bank provides debit and credit cards, insurance brokerage, trust and wealth management, online and mobile banking, cash management, and treasury management services.
As a regional bank holding company, Equity Bancshares operates branches across four Midwestern states-Arkansas, Kansas, Missouri, and Oklahoma-and is headquartered in Wichita, Kansas. The company was founded in 1985 and has been listed on the NYSE since its 2015 IPO, operating under a community banking model that emphasizes relationship-based lending and deposit gathering within its regional footprint.
- Net interest margin expansion drives profitability outlook
- Commercial real estate loan growth fuels regional expansion
- Deposit competition in core Kansas and Missouri markets pressures funding costs
| Net Income: 35.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.99 > 1.0 |
| NWC/Revenue: -1.19k% < 20% (prev -874.7%; Δ -311.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 56.0m > Net Income 35.8m |
| Net Debt (-1.26b) to EBITDA (104.7m): -12.00 < 3 |
| Current Ratio: 0.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.2m) vs 12m ago 8.79% < -2% |
| Gross Margin: 52.81% > 18% (prev 67.72%; Δ -14.91% > 0.5%) |
| Asset Turnover: 5.82% > 50% (prev 6.18%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBIT TTM 96.1m / Interest Expense TTM 124.3m) |
| A: -0.59 (Total Current Assets 1.82b - Total Current Liabilities 6.35b) / Total Assets 7.73b |
| B: 0.03 (Retained Earnings 241.2m / Total Assets 7.73b) |
| C: 0.01 (EBIT TTM 96.1m / Avg Total Assets 6.55b) |
| D: 0.12 (Book Value of Equity 827.3m / Total Liabilities 6.90b) |
| Altman-Z'' = -3.52 = D |
| DSRI: 1.25 (Receivables 37.7m/26.2m, Revenue 381.3m/332.2m) |
| GMI: 1.28 (GM 67.72% / 52.81%) |
| AQI: 1.03 (AQ_t 0.75 / AQ_t-1 0.72) |
| SGI: 1.15 (Revenue 381.3m / 332.2m) |
| TATA: -0.00 (NI 35.8m - CFO 56.0m) / TA 7.73b) |
| Beneish M = -2.44 (Cap -4..+1) = BBB |
As of October 06, 2026, the stock is trading at USD 47.54 with a total of 125,142 shares traded. Over the past week, the price has changed by -0.56%, over one month by -4.72%, over three months by -2.39% and over the past year by +18.92%.
Current recommended Stop Loss: 45.70 (which is 3.9% or 1.8 ATR below the current price).
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 | 56.9 | 19.6% |
P/E Trailing = 30.5924
P/E Forward = 10.3842
P/S = 4.0559
P/B = 1.1899
P/EG = 1.6942
Revenue TTM = 381.3m USD
EBIT TTM = 96.1m USD
EBITDA TTM = 104.7m USD
Long Term Debt = 483.8m USD (from longTermDebt, last quarter)
Short Term Debt = 42.8m USD (from shortTermDebt, last quarter)
Debt = 526.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.26b USD (calculated: Debt 526.6m - CCE 1.78b)
Enterprise Value = 989.1m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.77 (Ebit TTM 96.1m / Interest Expense TTM 124.3m)
EV/FCF = 21.27x (Enterprise Value 989.1m / FCF TTM 46.5m)
FCF Yield = 4.70% (FCF TTM 46.5m / Enterprise Value 989.1m)
FCF Margin = 12.19% (FCF TTM 46.5m / Revenue TTM 381.3m)
Net Margin = 9.39% (Net Income TTM 35.8m / Revenue TTM 381.3m)
Gross Margin = 52.81% ((Revenue TTM 381.3m - Cost of Revenue TTM 179.9m) / Revenue TTM)
Gross Margin QoQ = 69.58% (prev 65.69%)
Tobins Q-Ratio = 0.13 (Enterprise Value 989.1m / Total Assets 7.73b)
Interest Expense / Debt = 23.60% (Interest Expense 124.3m / Debt 526.6m)
Taxrate = 20.61% (9.30m / 45.1m)
NOPAT = 76.3m (EBIT 96.1m * (1 - 20.61%))
Current Ratio = 0.29 (Total Current Assets 1.82b / Total Current Liabilities 6.35b)
Debt / Equity = 0.64 (Debt 526.6m / totalStockholderEquity, last quarter 827.3m)
Debt / EBITDA = -12.00 (Net Debt -1.26b / EBITDA 104.7m)
Debt / FCF = -27.00 (Net Debt -1.26b / FCF TTM 46.5m)
Total Stockholder Equity = 772.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.55% (Net Income 35.8m / Total Assets 7.73b)
RoE = 4.64% (Net Income TTM 35.8m / Total Stockholder Equity 772.2m)
RoCE = 7.65% (EBIT 96.1m / Capital Employed (Equity 772.2m + L.T.Debt 483.8m))
RoIC = 5.44% (NOPAT 76.3m / Invested Capital 1.40b)
WACC = 11.57% (E(989.1m)/V(1.52b) * Re(7.75%) + D(526.6m)/V(1.52b) * Rd(23.60%) * (1-Tc(0.21)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.92 | Cagr: 9.77%
[DCF] Terminal Value 62.11% ; FCFF base≈62.2m ; Y1≈54.5m ; Y5≈44.1m
[DCF] Fair Price = 83.50 (EV 464.0m - Net Debt -1.26b = Equity 1.72b / Shares 20.6m; r=11.57% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 89.57 | EPS CAGR: 15.68% | SUE: 1.74 | # QB: 1
Revenue Correlation: 86.41 | Revenue CAGR: 17.12% | SUE: 0.89 | # QB: 3
EPS current Quarter (2026-09-30): EPS=1.30 | Chg30d=-0.22% | Revisions=+0% | Analysts=7
EPS current Year (2026-12-31): EPS=5.11 | Chg30d=+0.57% | Revisions=+0% | GrowthEPS=+22.3% | GrowthRev=+30.6%
EPS next Year (2027-12-31): EPS=5.46 | Chg30d=+3.95% | Revisions=+57% | GrowthEPS=+6.9% | GrowthRev=+21.3%
[Analyst] Revisions Ratio: +36% (up=6, down=2)