Equity Bancshares, Inc. (EQBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Camden National Corp. (Maine)

Central Pacific Financial Corp.

HomeTrust Bancshares, Inc.

Independent Bank Corp. (Michigan)

Flushing Financial Corp.

HarborOne Bancorp, Inc.

CNB Financial Corp. (Pennsylvania)

Washington Trust Bancorp, Inc.

Metropolitan Bank Holding Corp.

Equity Bancshares, Inc.

Luther Burbank Corp.

Why is Equity Bancshares, Inc. ?

With ROA of 0.84%, it has a fair valuation with a 1.32 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -5.70%, its profits have risen by 493.4% ; the PEG ratio of the company is 0

Below par performance in long term as well as near term

Along with generating -5.70% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Equity Bancshares, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Equity Bancshares, Inc.

-6.06%

1.29

27.99%

S&P 500

13.22%

0.64

20.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.47%

EBIT Growth (5y)

19.57%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

13.51%

Pledged Shares

Institutional Holding

81.55%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.32

EV to EBIT

9.89

EV to EBITDA

8.61

EV to Capital Employed

1.40

EV to Sales

2.34

PEG Ratio

0.03

Dividend Yield

107.89%

ROCE (Latest)

14.17%

ROE (Latest)

10.66%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 93.99 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 17.35%

ROCE(HY)

Highest at 1.26%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET PROFIT(9M)

Higher at USD 48.77 MM

CASH AND EQV(HY)

Highest at USD 797.09 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 85.02%

-5What is not working for the Company

ROCE(HY)

Lowest at 1.26%

GROSS NPA (%)

NET SALES(Q)

Lowest at USD 74.19 MM

Here's what is working for Equity Bancshares, Inc.

Net Profit

At USD 48.77 MM has Grown at 7,362.8%

Year on Year (YoY)

MOJO Watch

Net Profit trend is very positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 93.99 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 17.35% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Cash and Eqv

Highest at USD 797.09 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 85.02%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Net Profit

Higher at USD 48.77 MM

than preceding 12 month period ended Jun 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

CASA

Highest at 15.67%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Equity Bancshares, Inc.

Non Performing Loans (%)

Highest at 1.2%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Lowest at USD 74.19 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)