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Equity Bancshares, Inc.(EQBK)Earnings, Financials & Key Ratios
EQBK•NASDAQ•Banking & Credit
$48.12
39.1× P/E·Price updated Jun 25, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutEquity 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. The company accepts various demand, savings, money market, and time deposits. Its loan products include commercial and industrial, commercial real estate-backed, commercial lines of credit, working capital, term, equipment financing, acquisition, expansion and development, borrowing base, real estate construction, homebuilder, agricultural, government guaranteed, and other loan products to national and regional companies, restaurant franchisees, hoteliers, real estate developers, manufacturing and industrial companies, agribusiness companies, and other businesses. The company's loan products also comprise various consumer loans to individuals and professionals, including residential real estate loans, home equity loans and lines of credit, installment loans, unsecured and secured personal lines of credit, overdraft protection, and letters of credit. It also provides debit cards; 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; ATMs; and treasury management, wire transfer, automated clearing house, and stop payment services. In addition, the company offers cash management deposit products, such as lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts, as well as banking services through telephone, mail, and personal appointments. As of December 31, 2021, it operated a network of 69 branches in Arkansas, Kansas, Missouri, and Oklahoma. The company was founded in 2002 and is headquartered in Wichita, Kansas.Show more
- Net Interest Income$226M+21.4%
- Total Revenue$314M-3.8%
- Net Income$23M-63.7%
- Return on Equity3.43%-71.4%
- Net Interest Margin3.55%+1.6%
- Efficiency Ratio40.04%-6.2%
- ROA0.39%-67.9%
- Equity / Assets11.49%+3.3%
- Book Value per Share38.12+0.8%
EQBK Price & Volume
Equity Bancshares, Inc. (EQBK) stock price & volume — 10-year historical chart
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Acquisition Driven Growth Faces Margin Compression Headwinds
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial Position:Adequate
Cash Flow:Mixed
Primary Risk:Margin compression and credit volatility
"Equity Bancshares continues to pursue an aggressive inorganic growth strategy, expanding total assets to $7.7 billion as of 2026Q1, though this expansion is currently challenged by persistent net interest margin stagnation at 1.0%. While the bank maintains a stable capital position with an equity-to-assets ratio of 0.11, investors should monitor the volatility in credit provisioning, which reached $6.0 million in the most recent quarter. Future performance remains contingent on the bank's ability to successfully integrate regional acquisitions while managing the inherent risks of its concentrated commercial real estate and agricultural loan portfolios."
Verdict Logic
while the forward P/E of 10.86 suggests potential value, the persistent 1.0% net interest margin and significant credit provision volatility warrant a cautious approach until organic growth stabilizes.
EQBK Growth Metrics
Equity Bancshares, Inc. (EQBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.76%
5 Years12.16%
3 Years12.57%
TTM-
Profit CAGR
10 Years8.24%
5 Years-
3 Years-26.69%
TTM-61.24%
EPS CAGR
10 Years-2.22%
5 Years-
3 Years-29.5%
TTM-65.9%
Return on Capital
10 Years3.94%
5 Years6.58%
3 Years3.48%
Last Year1.07%
EQBK Recent Earnings
Equity Bancshares, Inc. (EQBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (91%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 14, 2026Metric
Actual
Est
EPS
$1.32+14.8%
$1.15
Rev
$83M+0.6%
$83M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$1.15
—
Rev
$100M
—
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$1.26+3.3%
$1.22
Rev
$73M-0.8%
$74M
Q4 2025
Oct 14, 2025Metric
Actual
Est
EPS
$1.21+22.2%
$0.99
Rev
$48M-38.2%
$77M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 14, 2026 | $1.32vs $1.15+14.8% | $83Mvs $83M+0.6% |
| Q2 2026 | Mar 6, 2026 | $1.15 | $100M |
| Q1 2026 | Jan 21, 2026 | $1.26vs $1.22+3.3% | $73Mvs $74M-0.8% |
| Q4 2025 | Oct 14, 2025 | $1.21vs $0.99+22.2% | $48Mvs $77M-38.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Equity Bancshares, Inc. (EQBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $48.12 | $993.23M | 39.12 | -3.75% | 7.23% | 3.43% | 1.24% | |
| $34.94 | $5.01B | 19.74 | 11.71% | 31.14% | 14.2% | — | |
| $138.46 | $8.41B | 15.08 | -1.07% | 18.3% | 10.31% | — | |
| $32.46 | $3.16B | 20.54 | 7.49% | 15.92% | 5.4% | — | |
| $22.46 | $3.05B | 14.78 | -2.33% | 32.4% | 9.16% | — | |
| $35.58 | $733.17M | 10.88 | -0.3% | 22.54% | 14.15% | — |
Compare EQBK vs Peers
Equity Bancshares, Inc. (EQBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EQBK SEC Filings & Documents
Equity Bancshares, Inc. (EQBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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EQBK Frequently Asked Questions
Equity Bancshares, Inc. (EQBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Equity Bancshares, Inc. growing?
Equity Bancshares, Inc. (EQBK) saw revenue decline by 3.8% over the past year.
Is EQBK profitable?
Yes, Equity Bancshares, Inc. (EQBK) is profitable, generating $24.7M in net income for fiscal year 2025 (7.2% net margin).
Dividend & Returns
Does EQBK pay dividends?
Yes, Equity Bancshares, Inc. (EQBK) pays a dividend with a yield of 1.24%. This makes it attractive for income-focused investors.
What is EQBK's return on equity?
Equity Bancshares, Inc. (EQBK) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Equity Bancshares, Inc.'s net interest margin?
Equity Bancshares, Inc. (EQBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is Equity Bancshares, Inc.'s efficiency ratio?
Equity Bancshares, Inc. (EQBK) has an efficiency ratio of 40.0%. This is excellent, indicating strong cost control.