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Equity Bancshares, Inc. EQBK R2K

Financial Services · Banks - Regional · United States
https://www.equitybank.com

Equity Bancshares, Inc. operates as the bank holding company for Equity Bank that provides a range of banking, mortgage banking, and financial services to individual and corporate customers. It accepts demand, savings, money market, and time deposits. The company's loan products include commercial and industrial, commercial real estate, commercial lines of credit, working capital, term, equipment and aircraft financing, acquisition, expansion and development, borrowing base, real estate construction, government guaranteed, letter of credit, and other loan products. It also provides loans for 1 – 4 family residential mortgages, agricultural, consumer, residential real estate mortgage, and agricultural real estate and production loans. In addition, the company offers debit and credit cards; insurance brokerage; trust and wealth management; online banking solutions, such as access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions comprising remote check deposits with mobile bill pay; night depository; direct deposit; cashier's and travelers checks; letters of credit; and ITMs and ATMs. Further, it provides cash management deposit products, such as lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts; and banking services through telephone, mail, and personal appointments. Additionally, the company offers treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house origination, and stop payments. It operates in Arkansas, Kansas, Missouri, and Oklahoma. Equity Bancshares, Inc. was founded in 1985 and is headquartered in Wichita, Kansas.

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$46.10
+20.31% 1Y

Market & Price

Market Cap
$951.54M
Current Price
$46.10
High / Low (52W)
$48.80 / $36.11
Beta
0.79

Valuation

Stock P/E
39.07
Industry PE
12.01
Forward P/E
8.75
PEG Ratio
1.69
Book Value
$39.35
Price to Book
1.17
P/S
4.31
EV/EBITDA
-
Dividend Yield
1.56%

Profitability & Returns

ROCE
-
ROE
3.44%
ROA
0.38%
Profit Margin
11.17%
Op Margin
39.60%
EPS (Latest Qtr)
$0.80
EPS (TTM)
$1.18

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$493.80M
Total Assets
$6.37B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
13.91%
Chg in Prom Hold
-
FII / Inst Holding
64.94%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$874.70M
Total Revenue (TTM)
$220.68M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$45.01M
Shares Outstanding
20.64M
Gross Margin
0.00%
Payout Ratio
58.47%

Growth (CAGR)

Revenue 5Y
2.03%
Profit 5Y
-26.69%
Revenue (YoY)
33.70%
Earnings (YoY)
-5.90%

PROS

  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -26.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 EQBK Equity Bancshares, Inc. R2K 46.10 39.07 $951.54M 1.56% - 3.44% 2.03% -26.69%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -------------------------------59.98M57.56M17.09M72.32M82.09M
Cost of Revenue ------------------------------------
Gross Profit ------------------------------------
Operating Expenses ------------------------------------
Operating Income ------------------------------------
EBITDA ------------------------------------
Interest Expense -------------------------------24.39M24.39M28.61M27.36M34.36M
Pretax Income -------------------------------18.85M18.37M-37.30M26.46M22.23M
Tax Provision -------------------------------3.81M3.11M-7.64M4.38M5.26M
Net Income 2.43M2.44M2.57M2.74M3.44M2.85M2.67M4.86M6.35M5.16M8.71M6.87M10.32M-4.07M9.23M10.41M1.26M1.69M-90.41M15.07M15.17M11.77M15.65M15.26M15.17M12.32M11.46M12.34M14.07M11.72M19.85M15.04M15.26M-29.66M22.08M16.97M
Diluted EPS 0.380.380.400.430.410.340.320.400.510.410.580.440.64-0.260.580.660.080.11-6.011.021.030.800.930.940.930.770.740.800.900.761.280.850.86-1.551.150.80

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------194.87M136.98M215.83M206.95M
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses -------------
Operating Income -------------
EBITDA -------------
Interest Expense ---------25.42M87.69M110.68M104.75M
Pretax Income ---------70.28M2.42M78.28M26.38M
Tax Provision ---------12.59M-5.41M15.66M3.65M
Net Income 7.87M8.99M10.30M9.37M20.65M35.83M25.58M-74.97M-57.69M7.82M62.62M22.73M
Diluted EPS 0.921.301.541.071.622.281.61-4.97-3.510.504.001.23

Compounded Sales Growth

5 Years:2.03%
1 Year:33.70%

Compounded Profit Growth

5 Years:-26.69%
1 Year:-5.90%

Stock Price Performance

1 Year:+20.31%
6 Months:+5.92%
3 Months:+3.14%
1 Month:+1.77%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.17B1.59B2.19B3.17B4.06B3.95B4.01B-4.98B5.03B5.33B6.37B
Current Assets --------------
Cash & Equivalents 100.37M20.62M31.71M56.83M35.09M52.20M----104.01M363.29M383.50M608.14M
Inventory --------------
Receivables ----------20.63M25.50M28.91M33.32M
Total Liabilities --1.06B1.42B1.93B2.80B3.61B3.47B3.61B-4.57B4.58B4.74B5.64B
Current Liabilities --------------
Long Term Debt --------141.76M-235.26M336.92M275.55M398.14M
Total Debt ----------235.26M336.92M275.55M398.14M
Total Equity 138.17M139.87M117.73M167.23M257.96M374.14M455.94M478.06M407.65M-410.06M452.86M592.92M732.05M
Shares Outstanding ----------20.28M20.46M22.81M24.69M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ---15.55M27.63M36.67M48.52M43.62M-74.07M76.53M73.84M51.37M
Investing Cash Flow ----140.69M-222.92M-171.49M96.10M96.00M--214.18M232.17M123.73M136.92M
Financing Cash Flow ---103.41M212.40M275.44M-248.15M51.78M--15.41M-34.03M-192.93M35.79M
Capital Expenditure -1.84M-4.68M-5.74M-2.80M-6.87M-8.83M-6.95M-9.55M--3.49M-16.14M-8.49M-13.25M
Free Cash Flow ---12.75M20.75M27.84M41.57M34.07M-70.58M60.39M65.35M38.11M
Net Change in Cash ----------155.53M274.67M4.65M224.07M
Share Buybacks 571.00K17.22M----10.87M19.35M18.66M33.19M17.90M11.86M13.99M
Dividends Paid 970.00K804.00K164.00K42.00K---------

Ratios (Annual)

Figures in %.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------
Operating Margin % -------------
Net Margin % ---------29.6%5.7%29.0%11.0%
ROE % 5.6%7.6%6.2%3.6%5.5%7.9%5.4%-18.4%-14.1%1.7%10.6%3.1%
ROCE % -------------

Shareholding Pattern

Insiders
13.91%
Institutions
64.94%
Public Float
75.43%

Top Institutional Holders

#Holder% HeldSharesValue
1 T. Rowe Price Investment Management, Inc. 10.12% 2.09M $96.33M
2 Blackrock Inc. 6.68% 1.38M $63.54M
3 Patriot Financial Partners Gp II, L.P. 5.79% 1.19M $55.06M
4 FJ Capital Management LLC 4.46% 921.07K $42.46M
5 Dimensional Fund Advisors LP 3.61% 745.83K $34.38M
6 Vanguard Capital Management LLC 3.40% 700.91K $32.31M
7 Wellington Management Group, LLP 3.01% 620.62K $28.61M
8 State Street Corporation 2.41% 498.08K $22.96M
9 Geode Capital Management, LLC 1.91% 393.92K $18.16M
10 Mendon Capital Advisors Corp 1.85% 382.05K $17.61M

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