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Earnings transcript
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EQBK
Equity Bancshares, Inc.
$47.51
0.83
(1.78%)
| Exchange: | NYSE |
| Market Cap: | 978.349M |
| Shares Outstanding: | 5.868M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Brad S. Elliott | |||||
| Full Time Employees: | 909 | |||||
| Address: |
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| Website: | 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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Revenue Segmentation
EQBK full analysis
Welcome to MARKETSNAP’s SWOT analysis for Equity Bancshares, Inc., also known by its ticker EQBK. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed. Let’s break it down with a full SWOT analysis, some fresh insights, and a long-term perspective to help you decide if this…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| EQBK | Equity Bancshares, Inc. | 978.3M | 26.2 | 10.4 | 2.9% |
 HBNC | Horizon Bancorp, Inc. | 999.2M | — | 9.1 | -12.3% |
 CFFN | Capitol Federal Financial, Inc. | 1.0B | 12.9 | 11.8 | 0.9% |
 CAC | Camden National Corp. | 948.3M | 10.6 | 10.4 | 1.0% |
 CCNE | CNB Financial Corporation | 1.0B | 10.6 | 9.6 | 1.0% |
 MCBS | MetroCity Bankshares, Inc. | 1.0B | 11.7 | 10.8 | 17.2% |
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 224,675 | 326,513 | 314,257 |
| Gross Profit | 135,625 | 217,666 | 158,365 |
| EBITDA | 11,053 | 88,541 | 88,425 |
| Operating Income | 2,415 | 78,281 | 32,527 |
| Net Income | 7,821 | 62,621 | 22,726 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 5,034,592 | 5,332,047 | 6,373,172 |
| Total Liabilities | 4,581,732 | 4,739,129 | 5,641,118 |
| Total Stockholders Equity | 452,860 | 592,918 | 732,054 |
| Total Debt | 380,503 | 312,796 | 448,217 |
| Cash and Cash Equivalents | 363,289 | 383,503 | 607,562 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 76,527 | 73,845 | 0 |
| Capital Expenditure | -16,137 | -8,493 | 0 |
| Free Cash Flow | 60,390 | 65,352 | 0 |
| Net Income | 7,821 | 62,621 | 4,145,424 |
| Net Change in Cash | 274,671 | 4,648 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 415,509.159 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 434,170.344 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 426,328.180 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 134,827.303 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 147,749.560 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 141,288.432 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 104,727.709 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 115,832.312 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 110,280.011 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 117,427.884 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 122,701.760 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 120,485.470 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 5.810 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 6.030 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 5.450 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 4 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 4 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Stable Revenue Base: Historical income statements indicate consistent revenue generation, supported by a diversified product portfolio as seen in revenue product segments. This provides a solid foundation for operational stability within the banking sector.
- Positive Industry Positioning: EQBK operates in the financial services industry, which, per industry performance metrics, shows competitive growth trends over various timeframes (1-week to 5-year performance). This suggests a favorable sector environment that supports EQBK’s market presence.
- Strong Leadership Outlook: Insights from the Q3 2025 earnings call transcript highlight management’s confidence in operational strategies and a positive outlook for 2025-2026, reflecting proactive leadership in navigating market conditions.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates EQBK intrinsic value between $4.56 – $10.03 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about EQBK valuation
Is Equity Bancshares, Inc. (EQBK) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Equity Bancshares, Inc. (EQBK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is EQBK a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EQBK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is EQBK’s P/E ratio?
You can see EQBK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for EQBK?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is EQBK a good long-term investment?
Whether EQBK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
EQBK
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Daily snapshot
1.78
Trading Metrics:
| Open: | 47.18 | Previous Close: | 46.68 | |
| Day Low: | 46.93 | Day High: | 47.64 | |
| Year Low: | 39.17 | Year High: | 52.27 | |
| Price Avg 50: | 49.2 | Price Avg 200: | 47.17 | |
| Volume: | 189349 | Average Volume: | 129723 |
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