EQB Stock Analysis: EQB | TO
Banks - Regional | TO, Canada | Market Cap: 5.412m CAD | 12M Return: 50% | CA26886R1047 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.6M
EPS Trend: -92.9%
Qual. Beats: 0
Rev. Trend: -71.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
EQB Inc., through Equitable Bank, provides digital personal and commercial banking services across Canada. Its offerings include deposits, residential and reverse mortgages, home equity lines of credit, commercial lending, equipment leasing, and trust services.
As a Canadian regional bank, EQB funds lending partly through customer deposits and other debt instruments. The company, founded in 1970 and headquartered in Toronto, adopted the EQB Inc. name in 2022.
- Deposit competition pressures funding costs and net interest margins
- Residential and commercial lending growth lifts loan revenue
- Canadian housing weakness raises mortgage arrears and credit provisions
| Net Income: -2.45m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.16 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -957.4%; Δ -80.42% < -1%) |
| CFO/TA -0.00 > 3% & CFO -190.9m > Net Income -2.45m |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.7m) vs 12m ago -1.95% < -2% |
| Gross Margin: 32.16% > 18% (prev 35.65%; Δ -3.49% > 0.5%) |
| Asset Turnover: 5.43% > 50% (prev 5.79%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 0.01 > 6 (EBIT TTM 16.6m / Interest Expense TTM 1.62b) |
| A: -0.55 (Total Current Assets 1.85b - Total Current Liabilities 33.4b) / Total Assets 57.2b |
| B: 0.04 (Retained Earnings 2.26b / Total Assets 57.2b) |
| C: 0.00 (EBIT TTM 16.6m / Avg Total Assets 55.9b) |
| D: 0.07 (Book Value of Equity 3.70b / Total Liabilities 53.5b) |
| Altman-Z'' = -3.41 = D |
| DSRI: 0.10 (Receivables 10.5m/1.15b, Revenue 3.04b/3.16b) |
| GMI: 1.11 (GM 35.65% / 32.16%) |
| AQI: 1.03 (AQ_t 0.96 / AQ_t-1 0.93) |
| SGI: 0.96 (Revenue 3.04b / 3.16b) |
| TATA: 0.00 (NI -2.45m - CFO -190.9m) / TA 57.2b) |
| Beneish M = -3.68 (Cap -4..+1) = AAA |
As of November 12, 2026, the stock is trading at CAD 127.22 with a total of 26,483 shares traded. Over the past week, the price has changed by -0.51%, over one month by +4.46%, over three months by -7.97% and over the past year by +50.00%.
Current recommended Stop Loss: 120.70 (which is 5.1% or 2.2 ATR below the current price).
EQB has no consensus analysts rating.
P/E Forward = 11.0254
P/S = 6.1809
P/B = 1.3145
P/EG = 0.27
Revenue TTM = 3.04b CAD
EBIT TTM = 16.6m CAD
EBITDA TTM = 93.1m CAD
Long Term Debt = 16.9b CAD (from longTermDebt, last quarter)
Short Term Debt = 1.71b CAD (from shortTermDebt, last quarter)
Debt = 18.7b CAD (corrected: LT Debt 16.9b + ST Debt 1.71b) + Leases 107.1m
Net Debt = 16.9b CAD (calculated: Debt 18.7b - CCE 1.84b)
Enterprise Value = 22.3b CAD (5.41b + Debt 18.7b - CCE 1.84b)
Interest Coverage Ratio = 0.01 (Ebit TTM 16.6m / Interest Expense TTM 1.62b)
EV/FCF = -66.71x (Enterprise Value 22.3b / FCF TTM -334.0m)
FCF Yield = -1.50% (FCF TTM -334.0m / Enterprise Value 22.3b)
FCF Margin = -11.00% (FCF TTM -334.0m / Revenue TTM 3.04b)
Net Margin = -0.08% (Net Income TTM -2.45m / Revenue TTM 3.04b)
Gross Margin = 32.16% ((Revenue TTM 3.04b - Cost of Revenue TTM 2.06b) / Revenue TTM)
Gross Margin QoQ = 10.89% (prev 36.35%)
Tobins Q-Ratio = 0.39 (Enterprise Value 22.3b / Total Assets 57.2b)
Interest Expense / Debt = 8.65% (Interest Expense 1.62b / Debt 18.7b)
Taxrate = 28.23% (104.9m / 371.5m)
NOPAT = 11.9m (EBIT 16.6m * (1 - 28.23%))
Current Ratio = 0.06 (Total Current Assets 1.85b / Total Current Liabilities 33.4b)
Debt / Equity = 5.06 (Debt 18.7b / totalStockholderEquity, last quarter 3.70b)
Debt / EBITDA = 181.2 (Net Debt 16.9b / EBITDA 93.1m)
Debt / FCF = -50.50 (negative FCF - burning cash) (Net Debt 16.9b / FCF TTM -334.0m)
Total Stockholder Equity = 3.32b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.00% (Net Income -2.45m / Total Assets 57.2b)
RoE = -0.07% (Net Income TTM -2.45m / Total Stockholder Equity 3.32b)
RoCE = 0.08% (EBIT 16.6m / Capital Employed (Equity 3.32b + L.T.Debt 16.9b))
RoIC = 0.02% (NOPAT 11.9m / Invested Capital 57.0b)
WACC = 6.34% (E(5.41b)/V(24.1b) * Re(6.81%) + D(18.7b)/V(24.1b) * Rd(8.65%) * (1-Tc(0.28)))
Discount Rate = 6.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -75.96 | Cagr: -1.06%
[DCF] Fair Price = unknown (Cash Flow -334.0m)
EPS Correlation: -92.88 | EPS CAGR: -14.98% | SUE: -0.22 | # QB: 0
Revenue Correlation: -71.28 | Revenue CAGR: -4.42% | SUE: 0.62 | # QB: 0
EPS current Quarter (2027-01-31): EPS=2.87 | Chg30d=-0.14% | Revisions=+0% | Analysts=5
EPS current Year (2026-10-31): EPS=8.99 | Chg30d=-0.55% | Revisions=-18% | GrowthEPS=+1.0% | GrowthRev=+22.8%
EPS next Year (2027-10-31): EPS=11.63 | Chg30d=-0.35% | Revisions=-25% | GrowthEPS=+29.4% | GrowthRev=+39.1%
[Analyst] Revisions Ratio: -19% (up=5, down=8)