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Upturn AI Summary - About
Equity Bancshares, Inc.(EQBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EQBK
11/09/2026: EQBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Equity Bancshares is a regional bank holding company providing commercial and retail financial services across the central United States. Its primary business strength lies in a deep-rooted commitment to local commercial lending and a historical ability to execute accretive acquisitions. The current investment story focuses on a transition toward greater operational efficiency and organic growth in a complex interest-rate environment. Risks include significant geographic concentration, sensitivity to regional economic fluctuations, and intensifying competition from both digital firms and larger national banks. The stock may suit investors seeking exposure to regional banking consolidation, provided they monitor the bank's ability to maintain margins and manage credit quality effectively.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The growth strategy is largely dependent on successful M&A integration, which involves execution risks. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit momentum during periods of active bank consolidation or favorable interest rate environments. |
| Value investor | Strong fit | The stock is often priced at multiples that value-oriented investors find attractive relative to book value. |
| Dividend investor | Weak fit | The company does not prioritize regular dividend payments, preferring to retain capital for growth. |
| Low-risk investor | Weak fit | Regional banking stocks carry inherent interest rate and credit cycle risks that may exceed the tolerance of low-risk investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As a smaller-cap regional bank, the stock price is sensitive to interest rate shifts and sector-specific news. |
| Valuation risk | Medium | Changes in industry sentiment can lead to rapid re-ratings of regional bank valuations. |
| Competition risk (Banking competition) | High | The company faces constant pressure from larger national banks with superior technology budgets. |
| Business quality | Medium | While the franchise is well-regarded, its performance is closely tied to the health of the Midwestern regional economy. |
| Dividend income | Low | Investors should not expect significant income generation from this stock. |
| Execution risk | Medium / high | Future growth hinges on the ability to identify, acquire, and successfully integrate other banks. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 40.29% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.00B USD | Price to earnings Ratio 10.73 | 1Y Target Price 54.14 |
Price to earnings Ratio 10.73 | 1Y Target Price 54.14 | ||
Volume (30-day avg) 133.5K shares | Beta 0.83 | 52 Weeks Range 39.56 - 52.03 | Updated Date 11/08/2026 |
52 Weeks Range 39.56 - 52.03 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 1.56% | Basic EPS (TTM) 4.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | This is the primary way the bank makes money by charging more on loans than it pays for deposits. |
| Non-Interest Income | Service charges on deposit accounts, trust and wealth management fees, and mortgage banking income. | These are fees the bank collects from services provided to customers regardless of interest rates. |
| Geography | Focus on the Midwest, specifically Kansas, Missouri, Arkansas, and Oklahoma. | The bank's health is directly tied to the economic prosperity of these specific central U.S. states. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-14 | When After Market | Estimate 1.31 | Actual 1.4 |
Profitability
Profit Margin 29.48% | Operating Margin (TTM) 46.05% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 12.08% |
Valuation
Trailing PE 10.73 | Forward PE 10.38 | Enterprise Value 1.20B | Price to Sales(TTM) 3.21 |
Enterprise Value 1.20B | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 4.69 | Enterprise Value to EBITDA - | Shares Outstanding 20.61M | Shares Floating 17.69M |
Shares Outstanding 20.61M | Shares Floating 17.69M | ||
Percent Insiders 13.93 | Percent Institutions 67.39 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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