Equity Bancshares, Inc.
NASDAQ•EQBK
CEO: Mr. Brad S. Elliott
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2015-11-11
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. The company accepts various demand, savings, money market, and time deposits. Its 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, homebuilder, agricultural, government guaranteed, and other loan products. The company's loan products also comprise 1 4 family residential mortgages, agriculture, consumer, residential real estate mortgage, and agricultural real estate and production loans. It also provides 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; 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. It operates a network of branches in Arkansas, Kansas, Missouri, and Oklahoma. Equity Bancshares, Inc. was incorporated in 2002 and is headquartered in Wichita, Kansas.
Contact Information
Market Cap
$963.96M
P/E (TTM)
35.5
15.6
Dividend Yield
1.5%
52W High
$50.07
52W Low
$35.92
52W Range
Rank46Top 59.5%
3.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q1 2026 Data
Revenue
$117.51M+0.00%
4-Quarter Trend
EPS
$0.89+0.00%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 FY Earnings Highlights
Key Highlights
Strong Net Interest Margin Growth NIM rose 35 basis points to 4.33% in 2025, driven by loan volume growth and liability repricing outpacing asset yields.
Significant Balance Sheet Expansion Total assets grew 19.5% to $6.37B by year-end 2025; gross loans increased 19.9% to $4.20B following NBC acquisition.
Net Income Impacted by Securities Net income fell to $22.7M from $62.6M, primarily due to a $53.2M net loss from securities transactions in 2025.
Robust Capital Adequacy Maintained CET1 Ratio remains strong at 13.08% (down from 14.51%), well exceeding minimum regulatory requirements for the bank.
Risk Factors
Slight Deterioration in Asset Quality Non-accrual loans increased to $40.3M, resulting in NPL ratio rising to 0.73% from 0.65% year-over-year.
Profitability Vulnerable to Rates Profitability depends heavily on net interest income, which is sensitive to interest rate fluctuations and competitive deposit costs.
Acquisition Integration and Execution Risks Continued pursuit of strategic acquisitions exposes the firm to financial, execution, and compliance risks during integration processes.
Competitive Deposit Gathering Pressure Competition for deposits is significant, potentially increasing funding costs and limiting liquidity if core deposit migration continues.
Outlook
Continue Strategic Consolidation Focus Strategy remains focused on selective M&A to expand footprint while prioritizing organic growth in commercial lending.
Repositioning Loan Portfolio Ongoing Management continues identifying and disposing of problematic loans, replacing them with higher quality, organically generated commercial loans.
Investment in Technology Infrastructure Significant investments in IT staff and systems support anticipated growth, scale for future acquisitions, and enhanced customer experience.
Dividend Policy Dependent on Bank Future dividend payments are contingent upon Equity Bank's financial ability and discretion, subject to regulatory constraints.
Peer Comparison
Revenue (TTM)
$912.39M
$730.38M
$527.15M
Gross Margin (Latest Quarter)
88.8%
82.0%
81.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| EFSC | $2.16B | 10.8 | 10.3% | 2.9% |
| DCOM | $1.63B | 14.4 | 7.7% | 2.4% |
| AMAL | $1.30B | 12.5 | 13.7% | 1.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
12.8%
Steady Growth
4Q Net Income CAGR
3.6%
Profitability Slowly Improving
Cash Flow Stability
50%
Cash Flow Needs Attention
Deep Research
Next earnings:Apr 21, 2026
EPS:$1.15
|Revenue:$82.63M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data