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EQBK logoEquity Bancshares, Inc.(EQBK)Earnings, Financials & Key Ratios

EQBK•NASDAQ•Banking & Credit
$45.89
$971M mkt cap·11.5× P/E·Price updated May 6, 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$186M+17.1%
  • Total Revenue$327M+45.3%
  • Net Income$63M+700.7%
  • Return on Equity11.98%+560.7%
  • Net Interest Margin3.49%+10.5%
  • Efficiency Ratio42.69%-28.0%
  • ROA1.21%+673.4%
  • Equity / Assets11.12%+23.6%
  • Book Value per Share37.83+30.7%
  • Tangible BV/Share33.49+33.5%
  • Debt/Equity0.53-37.2%
Technical→

EQBK Key Insights

Equity Bancshares, Inc. (EQBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 19.6%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 42.7% efficiency ratio
  • ✓Well capitalized: 11.1% equity/assets
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

EQBK Price & Volume

Equity Bancshares, Inc. (EQBK) stock price & volume — 10-year historical chart

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EQBK Growth Metrics

Equity Bancshares, Inc. (EQBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.55%
5 Years10.53%
3 Years20.46%
TTM-

Profit CAGR

10 Years21.43%
5 Years19.61%
3 Years6.07%
TTM1.68%

EPS CAGR

10 Years12.7%
5 Years19.96%
3 Years5.26%
TTM9.09%

Return on Capital

10 Years4.4%
5 Years4.14%
3 Years6.8%
Last Year9.05%

EQBK Recent Earnings

Equity Bancshares, Inc. (EQBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (91%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 14, 2026
EPS
$1.32
Est $1.15
+14.8%
Revenue
$83M
Est $83M
+0.6%
Q2 2026
Mar 6, 2026
EPS
$1.15
Revenue
$100M
Q1 2026
Jan 21, 2026
EPS
$1.26
Est $1.22
+3.3%
Revenue
$73M
Est $74M
-0.8%
Q4 2025
Oct 14, 2025
EPS
$1.21
Est $0.99
+22.2%
Revenue
$48M
Est $77M
-38.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 14, 2026
$1.32vs $1.15+14.8%
$83Mvs $83M+0.6%
Q2 2026Mar 6, 2026
$1.15
$100M
Q1 2026Jan 21, 2026
$1.26vs $1.22+3.3%
$73Mvs $74M-0.8%
Q4 2025Oct 14, 2025
$1.21vs $0.99+22.2%
$48Mvs $77M-38.2%
Based on last 12 quarters of dataView full earnings history →

EQBK Peer Comparison

Equity Bancshares, Inc. (EQBK) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.44B135.5416.6510.4%8.91%0.80
SBCF logoSBCFSeacoast Banking Corporation of FloridaDirect Competitor3.06B31.3619.857.49%5.83%0.44
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
IBCP logoIBCPIndependent Bank CorporationDirect Competitor696.01M33.8110.34-0.3%14.2%0.23
BANF logoBANFBancFirst CorporationDirect Competitor3.8B114.5117.7812.28%13.33%0.05
INDB logoINDBIndependent Bank Corp.Product Competitor3.91B78.6317.396.89%5.07%0.23
HOMB logoHOMBHome Bancshares, Inc.Product Competitor5.32B27.0313.459.47%10.86%0.30

Compare EQBK vs Peers

Equity Bancshares, Inc. (EQBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for EQBK.

Scale Benchmark

vs V

Larger-name benchmark to compare EQBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, BOKF, SBCF, CVBF

EQBK Income Statement

Equity Bancshares, Inc. (EQBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income52.6M86M124.8M125.86M132.65M142.58M162.83M159.02M186.16M212.05M
NII Growth %13.69%63.51%45.11%0.85%5.4%7.48%14.2%-2.34%17.07%82.08%
Net Interest Margin %2.4%2.71%3.07%3.19%3.31%2.77%3.27%3.16%3.49%3.34%
Interest Income61.8M102.69M161.56M175.5M155.56M157.37M188.25M246.71M296.84M314.95M
Interest Expense9.2M16.69M36.76M49.64M22.91M14.79M25.42M87.69M110.68M102.9M
Loan Loss Provision2.12M2.63M3.96M18.35M24.25M-8.56M-124K1.36M-1.83M51.23M
Non-Interest Income9.2M13.19M17.36M22.43M21.48M29.44M32.04M-22.04M29.67M-18.01M
Non-Interest Income %12.95%11.38%9.71%11.33%12.13%15.76%14.54%-9.81%9.09%-6.06%
Total Revenue
70.99M▲ 0%
115.88M▲ 63.2%
178.92M▲ 54.4%
197.93M▲ 10.6%
177.04M▼ 10.6%
186.81M▲ 5.5%
220.28M▲ 17.9%
224.68M▲ 2.0%
326.51M▲ 45.3%
296.94M▲ 0%
Revenue Growth %15.83%63.23%54.4%10.63%-10.55%5.52%17.92%1.99%45.33%274.54%
Non-Interest Expense45.8M65.53M92.03M97.08M204.45M116.15M124.71M133.21M139.38M116.34M
Efficiency Ratio64.52%56.55%51.43%49.05%115.48%62.18%56.61%59.29%42.69%39.18%
Operating Income
13.87M▲ 0%
31.03M▲ 123.7%
46.17M▲ 48.8%
32.86M▼ 28.8%
-74.57M▼ 327.0%
64.44M▲ 186.4%
70.28M▲ 9.1%
2.42M▼ 96.6%
78.28M▲ 3141.4%
26.46M▲ 0%
Operating Margin %19.54%26.77%25.81%16.6%-42.12%34.49%31.91%1.07%23.97%8.91%
Operating Income Growth %-3.97%123.71%48.83%-28.84%-326.95%186.41%9.07%-96.56%3141.45%-
Pretax Income
13.87M▲ 0%
31.03M▲ 123.7%
46.17M▲ 48.8%
32.86M▼ 28.8%
-74.57M▼ 327.0%
64.44M▲ 186.4%
70.28M▲ 9.1%
2.42M▼ 96.6%
78.28M▲ 3141.4%
20.3M▲ 0%
Pretax Margin %19.54%26.77%25.81%16.6%-42.12%34.49%31.91%1.07%23.97%6.84%
Income Tax4.5M10.38M10.35M7.28M400K11.96M12.59M-5.41M15.66M2.67M
Effective Tax Rate %32.41%33.45%22.41%22.15%-0.54%18.55%17.92%-223.85%20%13.17%
Net Income
9.37M▲ 0%
20.65M▲ 120.3%
35.83M▲ 73.5%
25.58M▼ 28.6%
-74.97M▼ 393.1%
52.48M▲ 170.0%
57.69M▲ 9.9%
7.82M▼ 86.4%
62.62M▲ 700.7%
17.63M▲ 0%
Net Margin %13.2%17.82%20.02%12.92%-42.35%28.09%26.19%3.48%19.18%5.94%
Net Income Growth %-8.99%120.28%73.5%-28.6%-393.09%170%9.92%-86.44%700.68%1.68%
Net Income (Continuing)9.37M20.65M35.83M25.58M-74.97M52.48M57.69M7.82M62.62M17.63M
EPS (Diluted)
1.07▲ 0%
1.62▲ 51.4%
2.28▲ 40.7%
1.61▼ 29.4%
-4.97▼ 408.7%
3.43▲ 169.0%
3.51▲ 2.3%
0.50▼ 85.8%
4.00▲ 700.0%
0.92▲ 0%
EPS Growth %-30.52%51.4%40.74%-29.39%-408.7%169.01%2.33%-85.76%700%9.09%
EPS (Basic)1.091.662.331.64-4.973.493.560.504.04-
Diluted Shares Outstanding8.76M12.75M15.71M15.84M15.1M15.31M16.44M15.65M15.67M19.13M

EQBK Balance Sheet

Equity Bancshares, Inc. (EQBK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments133.62M213.8M366.6M233.54M1.15B1.59B1.29B1.28B1.19B5.31B
Cash & Due from Banks37.89M51.53M197.73M91.47M280.4M259.13M104.01M363.29M383.5M699.16M
Short Term Investments95.73M162.27M168.88M142.07M871.83M1.33B1.18B919.65M803.23M903.86M
Total Investments1.94B2.81B3.48B3.46B3.44B4.44B4.45B4.21B4.47B4.47B
Investments Growth %38.85%44.53%24.04%-0.65%-0.56%28.96%0.3%-5.41%6.08%8.84%
Long-Term Investments1.85B2.65B3.32B3.32B2.57B3.11B3.27B3.29B3.66B14.75B
Accounts Receivables6.99M12.37M17.37M15.74M15.83M18.05M20.63M25.5M28.91M34.75M
Goodwill & Intangibles63.59M115.64M153.44M156.34M47.66M69.34M63.7M60.32M68.07M100.47M
Goodwill58.87M104.91M131.71M136.43M31.6M54.47M53.1M53.1M53.1M77.57M
Intangible Assets4.71M10.74M21.73M19.91M16.06M14.88M10.6M7.22M14.97M22.89M
PP&E (Net)50.52M63.45M80.44M84.48M89.41M104.04M101.49M112.63M117.13M132.86M
Other Assets89.77M118.66M128.58M140.07M137.85M248.15M239.43M261.14M266.69M-3.56B
Total Current Assets140.61M226.17M383.97M249.28M1.17B1.6B1.31B1.31B1.22B1.64B
Total Non-Current Assets2.05B2.94B3.68B3.7B2.85B3.53B3.67B3.73B4.12B233.32M
Total Assets
2.19B▲ 0%
3.17B▲ 44.6%
4.06B▲ 28.1%
3.95B▼ 2.8%
4.01B▲ 1.6%
5.14B▲ 28.1%
4.98B▼ 3.1%
5.03B▲ 1.1%
5.33B▲ 5.9%
6.36B▲ 0%
Asset Growth %38.25%44.63%28.11%-2.76%1.61%28.07%-3.08%1.06%5.91%31%
Return on Assets (ROA)0.5%0.77%0.99%0.64%-1.88%1.15%1.14%0.16%1.21%0.28%
Accounts Payable7.36M10.73M13.69M18.53M19.07M47.41M32.83M36.46M00
Total Debt293.91M401.65M464.68M383.63M133.86M151.89M281.73M380.5M312.8M481.77M
Net Debt256.02M350.12M266.95M292.16M-146.54M-107.24M177.72M17.21M-70.71M-217.97M
Long-Term Debt273.27M364.16M414.61M347.92M97.83M95.89M235.26M336.92M275.55M439.55M
Short-Term Debt20.64M37.49M50.07M35.71M36.03M56.01M46.48M43.58M37.25M42.22M
Other Liabilities2.5M1.97M3.96M5.84M5.19M17.69M15.22M19.32M51.54M77.2M
Total Current Liabilities1.66B2.43B3.19B3.12B3.5B4.52B4.32B4.23B4.41B5.14B
Total Non-Current Liabilities273.27M364.16M414.61M353.76M103.02M113.58M250.47M356.24M327.09M516.75M
Total Liabilities1.93B2.8B3.61B3.47B3.61B4.64B4.57B4.58B4.74B5.64B
Total Equity
257.96M▲ 0%
374.14M▲ 45.0%
455.94M▲ 21.9%
478.06M▲ 4.9%
407.65M▼ 14.7%
500.63M▲ 22.8%
410.06M▼ 18.1%
452.86M▲ 10.4%
592.92M▲ 30.9%
711.89M▲ 0%
Equity Growth %54.25%45.04%21.86%4.85%-14.73%22.81%-18.09%10.44%30.93%145.07%
Equity / Assets (Capital Ratio)11.77%11.8%11.23%12.1%10.16%9.74%8.23%8.99%11.12%11.2%
Return on Equity (ROE)4.41%6.53%8.63%5.48%-16.93%11.56%12.67%1.81%11.98%2.48%
Book Value per Share29.4529.3529.0230.1727.0032.7124.9528.9437.8337.22
Tangible BV per Share22.1920.2819.2620.3123.8428.1821.0725.0833.4931.96
Common Stock132K161K173K174K174K203K205K207K230K249K
Additional Paid-in Capital236.1M331.34M379.08M382.73M386.82M478.86M484.99M489.19M584.42M658.48M
Retained Earnings44.33M65.51M101.33M125.76M50.79M88.32M140.09M141.01M194.92M186.72M
Accumulated OCI-2.7M-3.09M-4.87M-3K19.78M1.78M-113.51M-57.92M-55.18M4.72M
Treasury Stock-19.66M-19.66M-19.66M-30.52M-49.87M-68.53M-101.72M-119.62M-131.47M-138.28M
Preferred Stock0000000000

EQBK Cash Flow Statement

Equity Bancshares, Inc. (EQBK) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations15.55M27.63M36.67M48.52M43.62M102.7M74.07M76.53M73.84M73.84M
Operating CF Growth %14.16%77.69%32.71%32.33%-10.1%135.43%-27.87%3.31%-3.5%151.2%
Net Income9.37M20.65M35.83M25.58M-74.97M52.48M57.69M7.82M62.62M17.63M
Depreciation & Amortization2.18M3.57M5.62M7.41M8.24M8.91M9.37M8.64M10.26M10.88M
Deferred Taxes909K2.62M3.48M1.56M-11.09M1.59M2.59M-2.44M796K3.7M
Other Non-Cash Items2.17M1.21M-4.04M13.57M122.23M20.94M-818K52.22M-15.79M48.04M
Working Capital Changes356K-1.52M-6.73M-2.47M-4.26M15.88M1.92M7.07M11.91M-5.54M
Cash from Investing-140.69M-222.92M-171.49M96.1M96M-315.34M-214.18M232.17M123.73M359.11M
Purchase of Investments-193.11M-239.04M-188.38M-154.57M-268.59M-785.38M-188.53M-522.35M-187.64M-584.74M
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-192.11M-238.04M-187.38M-153.57M-267.59M-784.38M-187.53M-521.35M-186.64M-580.74M
Acquisitions-2.97M-3.49M20.09M85.36M25.93M173.86M-41.27M062.17M0
Other Investing-83.71M-133.8M-126.21M12.28M12.75M-171.62M-149.32M-19.29M-30.88M198.09M
Cash from Financing103.41M212.4M275.44M-248.15M51.78M191.9M-15.41M-34.03M-192.93M24.71M
Dividends Paid-42K0000-1.15M-5.56M-6.61M-7.89M-10.27M
Share Repurchases000-10.87M-19.35M-18.66M-33.19M-17.9M-11.86M-6.87M
Stock Issued23.75M1.22M133K0000086.98M86.98M
Net Stock Activity23.75M1.22M133K-10.87M-19.35M-18.66M-33.19M-17.9M75.12M80.11M
Debt Issuance (Net)1000K1000K1000K-1000K-1000K-1000K1000K1000K-1000K2M
Other Financing34.47M132.08M243.63M-170.37M319.3M236.18M-115.53M-110.65M-190.49M-86.98M
Net Change in Cash
-21.73M▲ 0%
17.1M▲ 178.7%
140.62M▲ 722.4%
-103.53M▼ 173.6%
191.41M▲ 284.9%
-20.74M▼ 110.8%
-155.53M▼ 649.7%
274.67M▲ 276.6%
4.65M▼ 98.3%
463.93M▲ 0%
Exchange Rate Effect0000000000
Cash at Beginning56.83M35.09M52.2M192.82M89.29M280.7M259.95M104.43M379.1M366.2M
Cash at End35.09M52.2M192.82M89.29M280.7M259.95M104.43M379.1M383.75M699.41M
Interest Paid8.94M15.04M32.67M48.37M25.67M15.03M25.8M80.81M116.19M105.28M
Income Taxes Paid3.21M6.44M9.21M3.11M11.61M4.59M1.22M3.47M6.2M12.81M
Free Cash Flow
12.75M▲ 0%
20.75M▲ 62.8%
27.84M▲ 34.1%
41.52M▲ 49.2%
34.01M▼ 18.1%
97.6M▲ 187.0%
70.58M▼ 27.7%
60.39M▼ 14.4%
65.35M▲ 8.2%
70.5M▲ 0%
FCF Growth %61.75%62.76%34.11%49.15%-18.08%186.97%-27.68%-14.44%8.22%29.41%

EQBK Banking Ratios

Equity Bancshares, Inc. (EQBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)4.41%6.53%8.63%5.48%-16.93%11.56%12.67%1.81%11.98%2.48%
Return on Assets (ROA)0.5%0.77%0.99%0.64%-1.88%1.15%1.14%0.16%1.21%0.28%
Net Interest Margin2.4%2.71%3.07%3.19%3.31%2.77%3.27%3.16%3.49%3.34%
Efficiency Ratio64.52%56.55%51.43%49.05%115.48%62.18%56.61%59.29%42.69%39.18%
Equity / Assets11.77%11.8%11.23%12.1%10.16%9.74%8.23%8.99%11.12%11.2%
Book Value / Share29.4529.3529.0230.172732.7124.9528.9437.8337.22
NII Growth13.69%63.51%45.11%0.85%5.4%7.48%14.2%-2.34%17.07%20.38%
Dividend Payout-----2.19%9.64%84.57%12.6%58.24%

EQBK SEC Filings & Documents

Equity Bancshares, Inc. (EQBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 14, 2026·SEC

Material company update

Feb 23, 2026·SEC

Material company update

Feb 17, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 7, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

EQBK Frequently Asked Questions

Equity Bancshares, Inc. (EQBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Equity Bancshares, Inc. (EQBK) grew revenue by 45.3% over the past year. This is strong growth.

Yes, Equity Bancshares, Inc. (EQBK) is profitable, generating $17.6M in net income for fiscal year 2024 (19.2% net margin).

Dividend & Returns

Yes, Equity Bancshares, Inc. (EQBK) pays a dividend with a yield of 1.10%. This makes it attractive for income-focused investors.

Equity Bancshares, Inc. (EQBK) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.

Industry Metrics

Equity Bancshares, Inc. (EQBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

Equity Bancshares, Inc. (EQBK) has an efficiency ratio of 42.7%. This is excellent, indicating strong cost control.

Explore More EQBK

Equity Bancshares, Inc. (EQBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

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