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Upturn AI SWOT - About
EQBK 
Equity Bancshares, Inc. (EQBK)
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Upturn Advisory Summary
08/14/2025: 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 $46.8
1 Year Target Price $46.8
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.27% | Avg. Invested days 68 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 761.80M USD | Price to earnings Ratio 9.79 | 1Y Target Price 46.8 |
Price to earnings Ratio 9.79 | 1Y Target Price 46.8 | ||
Volume (30-day avg) 6 | Beta 0.86 | 52 Weeks Range 33.99 - 50.29 | Updated Date 08/15/2025 |
52 Weeks Range 33.99 - 50.29 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.52% | Basic EPS (TTM) 4.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.5% | Operating Margin (TTM) 37.12% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 12.24% |
Valuation
Trailing PE 9.79 | Forward PE - | Enterprise Value 840006976 | Price to Sales(TTM) 3.35 |
Enterprise Value 840006976 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 5.11 | Enterprise Value to EBITDA - | Shares Outstanding 19218000 | Shares Floating 14028974 |
Shares Outstanding 19218000 | Shares Floating 14028974 | ||
Percent Insiders 14.19 | Percent Institutions 70.69 |
Upturn AI SWOT
Equity Bancshares, Inc.
Company Overview
History and Background
Equity Bancshares, Inc. was founded in 2002 in Wichita, Kansas. It has grown through organic expansion and acquisitions, focusing on community banking services in the Midwest and South Central US.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate, working capital, and equipment financing.
- Retail Banking: Offers checking and savings accounts, mortgages, and other consumer loan products.
- Wealth Management: Provides wealth management services to individuals and families, including investment management and financial planning.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other key executives. The organizational structure is typical of a regional bank, with divisions for commercial banking, retail banking, and wealth management. CEO is Brad Elliott.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans are a significant portion of Equity's loan portfolio. Market share data is regional and varies. Competitors include other regional and national banks. Revenue source is interest income from these loans.
- Checking Accounts: Checking accounts are a core product for both retail and commercial customers. Market share data is regional. Competitors include Bank of America, Wells Fargo, and local credit unions. Revenue source is fees and related services such as overdraft.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increasing competition from fintech companies, and regulatory pressures.
Positioning
Equity Bancshares is a regional bank focused on community banking, differentiating itself through personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in Equity's geographic footprint is estimated to be in the billions of dollars. Equity is positioned to capture a share of this TAM through its local focus and relationship-based banking.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Relationship-based banking model
- Proven track record of acquisitions
Weaknesses
- Smaller scale compared to national banks
- Limited geographic diversification
- Reliance on traditional banking services
- Higher cost of funds compared to larger banks
Opportunities
- Expansion into new markets within its region
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- SNV
- WSBC
- HBAN
- FFWM
- TCBI
Competitive Landscape
Equity Bancshares competes with larger regional and national banks. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller scale and limited resources.
Major Acquisitions
Oklahoma Bank Acquisitions
- Year: 2022
- Acquisition Price (USD millions): 200
- Strategic Rationale: Expanded Equity's presence in the Oklahoma market, increasing its customer base and market share.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth, driven by expansion and increased profitability.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Equity Bancshares is a regional bank with a focus on community banking. It has grown through organic expansion and acquisitions. The company is facing challenges from rising interest rates and competition. Equity Bancshares needs to continue to invest in digital banking and expand into new markets to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data is subject to change.
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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