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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
7701 East Kellogg Drive, Suite 300, Wichita, KS, 67207, United States
316-612-6000
www.equitybank.com
Market Cap
$862.25M
P/E (TTM)
37.9
13.9
Dividend Yield
1.5%
52W High
$50.07
52W Low
$34.11
52W Range
69%
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

Q4 2025 Data

Revenue

$100.40M+20.84%
4-Quarter Trend

EPS

$1.16+9.43%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

NIM Expansion Strong 3Q Net Interest Margin rose 58 basis points to 4.45% driven by asset mix shift and liability pricing sensitivity.
Acquisition Integration Success Total assets grew to $6.37B; total loans held for investment increased 21.9% to $4.27B as of September 30, 2025.
Quarterly Net Loss Driver 3Q Net loss was $(29.7)M, primarily driven by a $(53.4)M loss on the repositioning of investment securities.
Capital Ratios Remain Solid Equity Bank's Common Equity Tier 1 ratio stood at 13.12%, comfortably exceeding minimum regulatory requirements.

Risk Factors

Securities Loss Impact Large $(53.4)M realized loss on available-for-sale securities repositioning heavily impacted quarterly net income results.
Credit Quality Deterioration Non-accrual loans increased to $48.6M (0.83% ratio) from $27.1M at year-end 2024, signaling asset quality pressure.
Acquisition Provisioning $9.0M provision for 9M 2025 primarily established reserves for acquired non-PCD loans following the NBC merger.
Interest Rate Risk Exposure Management monitors NII sensitivity via simulation, expecting liability repricing pressure if the prevailing interest rate environment drops further.

Outlook

NIM Outlook Positive Margin expansion expected due to liability pricing sensitivity and asset mix favoring higher yielding earning assets.
Portfolio Diversification Focus Continued focus on integrating NBC operations and expanding the commercial and industrial loan footprint in key MSA markets.
Capital Maintenance Expected Management anticipates maintaining strong capital levels well above Basel III requirements following recent business combinations.
Frontier Merger Anticipated The Company anticipates closing the acquisition of Frontier Holdings LLC in Q4 2025 or early Q1 2026.

Peer Comparison

Revenue (TTM)

EFSC stock ticker logoEFSC
$912.39M
+12.0%
DCOM stock ticker logoDCOM
$730.38M
+13.0%
MCB stock ticker logoMCB
$527.15M
+7.1%

Gross Margin (Latest Quarter)

ESQ stock ticker logoESQ
88.8%
+4.0pp
CPF stock ticker logoCPF
82.0%
+10.7pp
HBT stock ticker logoHBT
81.4%
+3.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
EFSC$2.07B10.310.3%2.9%
DCOM$1.43B12.67.7%2.4%
AMAL$1.15B11.013.7%1.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.0%
Steady Growth
4Q Net Income CAGR
13.7%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 13, 2026
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