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EQBK 
Equity Bancshares, Inc. (EQBK)
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Upturn Advisory Summary
11/05/2025: EQBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $50.2
1 Year Target Price $50.2
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.97% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 790.14M USD | Price to earnings Ratio 38 | 1Y Target Price 50.2 |
Price to earnings Ratio 38 | 1Y Target Price 50.2 | ||
Volume (30-day avg) 6 | Beta 0.9 | 52 Weeks Range 33.84 - 50.07 | Updated Date 11/6/2025 |
52 Weeks Range 33.84 - 50.07 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 1.54% | Basic EPS (TTM) 1.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-14 | When After Market | Estimate 0.99 | Actual 1.16 |
Profitability
Profit Margin 9.48% | Operating Margin (TTM) -242.05% |
Management Effectiveness
Return on Assets (TTM) 0.3% | Return on Equity (TTM) 2.9% |
Valuation
Trailing PE 38 | Forward PE - | Enterprise Value 572328000 | Price to Sales(TTM) 4.25 |
Enterprise Value 572328000 | Price to Sales(TTM) 4.25 | ||
Enterprise Value to Revenue 5.15 | Enterprise Value to EBITDA - | Shares Outstanding 19076412 | Shares Floating 13985299 |
Shares Outstanding 19076412 | Shares Floating 13985299 | ||
Percent Insiders 14.18 | Percent Institutions 70.1 |
Upturn AI SWOT
Equity Bancshares, Inc.
Company Overview
History and Background
Equity Bancshares, Inc. was founded in 2002 and is headquartered in Wichita, Kansas. It operates as the bank holding company for Equity Bank, offering a range of financial services. Growth has been achieved through organic expansion and acquisitions of other community banks.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses.
- Retail Banking: Offers deposit accounts, loans, and other banking services to individuals and families.
- Wealth Management: Provides investment advisory and trust services.
Leadership and Structure
Brad Elliott serves as the Chairman and CEO. The company has a board of directors and an executive management team overseeing various operational departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and real estate. Market share is regional, competing with larger national and regional banks. Competitors include regional banks like Simmons First National Corporation (SFNC) and national banks with a regional presence.
- Mortgage Lending: Residential mortgage loans for home purchases and refinancing. The Kansas market is competitive. Competitors include Quicken Loans, major banks (JPM, WFC) and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. The Kansas market is competitive with national, regional, and local banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as increasing interest rates, regulatory changes, and competition from fintech companies. Community banks are focused on maintaining customer relationships and navigating economic uncertainty.
Positioning
Equity Bancshares, Inc. operates as a community bank, focusing on serving small to medium-sized businesses and individuals in its markets. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking in the Midwest is estimated to be several billion dollars annually. Equity Bancshares is positioned to capture a share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid financial performance
- Established customer relationships
Weaknesses
- Limited geographic diversification
- Dependence on local economy
- Smaller scale compared to national banks
- Higher cost structure than fintech companies
Opportunities
- Expansion into new markets
- Acquisition of other community banks
- Development of new products and services
- Increased adoption of digital banking technologies
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturn in its markets
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- SFNC
- CADE
- OZK
Competitive Landscape
Equity Bancshares, Inc. faces competition from larger regional and national banks, as well as smaller community banks and credit unions. It competes on customer service, local market knowledge, and product offerings.
Major Acquisitions
State Bank of Cherryvale
- Year: 2022
- Acquisition Price (USD millions): 11.7
- Strategic Rationale: Expanded market presence in Southeast Kansas.
Growth Trajectory and Initiatives
Historical Growth: Equity Bancshares, Inc. has grown through a combination of organic growth and acquisitions. The company has expanded its footprint across several Midwestern states.
Future Projections: Future projections are based on analyst estimates, which vary depending on economic conditions and the company's performance.
Recent Initiatives: Recent initiatives include the expansion of digital banking services and the acquisition of other community banks.
Summary
Equity Bancshares is a regional bank that has grown organically and through acquisitions. The bank focuses on its customer relationships in the retail and commercial sector within its geographic area. EQBK is subject to the overall industry pressures of interest rates and competition from FinTech, and large banks, and the health of the regional economy.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Equity Bancshares, Inc.
Exchange NYSE | Headquaters Wichita, KS, United States | ||
IPO Launch date 2015-11-11 | Founder, Chairman & CEO Mr. Brad S. Elliott | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 810 | Website https://www.equitybank.com |
Full time employees 810 | Website https://www.equitybank.com | ||
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 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, government guaranteed, letter of credit, and other loan products. The company also provides loans for 1 " 4 family residential mortgages, agricultural, consumer, residential real estate mortgage, and agricultural real estate and production loans. In addition, it offers 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; night depository; direct deposit; cashier's and travelers checks; letters of credit; and ITMs and ATMs. Further, the company provides cash management deposit products, such as lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts; and banking services through telephone, mail, and personal appointments. Additionally, it offers treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house origination, and stop payments. The company operates in Arkansas, Kansas, Missouri, and Oklahoma. Equity Bancshares, Inc. was founded in 1985 and is headquartered in Wichita, Kansas.
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