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Upturn AI SWOT - About
EQBK 
Equity Bancshares, Inc. (EQBK)
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Upturn Advisory Summary
09/15/2025: EQBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $48.75
1 Year Target Price $48.75
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.54% | Avg. Invested days 58 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 799.66M USD | Price to earnings Ratio 10.27 | 1Y Target Price 48.75 |
Price to earnings Ratio 10.27 | 1Y Target Price 48.75 | ||
Volume (30-day avg) 6 | Beta 0.84 | 52 Weeks Range 33.99 - 50.29 | Updated Date 09/15/2025 |
52 Weeks Range 33.99 - 50.29 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.43% | 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 10.27 | Forward PE - | Enterprise Value 877866496 | Price to Sales(TTM) 3.51 |
Enterprise Value 877866496 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 19218000 | Shares Floating 14100850 |
Shares Outstanding 19218000 | Shares Floating 14100850 | ||
Percent Insiders 14.2 | Percent Institutions 69.63 |
Upturn AI SWOT
Equity Bancshares, Inc.
Company Overview
History and Background
Equity Bancshares, Inc. was founded in 2002 and is headquartered in Wichita, Kansas. The company has grown through a combination of organic growth and acquisitions, expanding its footprint throughout the Midwest.
Core Business Areas
- Commercial Banking: Offers a range of commercial loans, deposit services, and treasury management solutions to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and financial planning services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The company operates with a regional banking structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share data not readily available. Competitors include regional and national banks like BOKF (BOKF) and Commerce Bancshares (CBSH).
- Mortgages: Offers residential mortgage loans to individuals. Market share data not readily available. Competitors include Quicken Loans, Wells Fargo (WFC), and Bank of America (BAC).
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. Market share data not readily available. Competitors include Chase (JPM), US Bank (USB), and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Equity Bancshares, Inc. positions itself as a community-focused bank with a strong understanding of the local market. Its competitive advantage lies in its personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is substantial, estimated to be in the billions. Equity Bancshares, Inc. is positioned to capture a portion of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified product offerings
- History of successful acquisitions
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Exposure to regional economic fluctuations
- Higher cost structure.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- BOKF
- CBSH
- TCBI
Competitive Landscape
Equity Bancshares, Inc. faces competition from larger national banks and smaller community banks. Its competitive advantage lies in its local expertise and personalized service.
Major Acquisitions
Adams Dairy Bank
- Year: 2021
- Acquisition Price (USD millions): 28.1
- Strategic Rationale: Expanded Equity Bancshares, Inc.'s presence in the Kansas City metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Equity Bancshares, Inc. has experienced moderate growth over the past few years, driven by organic growth and acquisitions.
Future Projections: Analyst estimates suggest continued growth for Equity Bancshares, Inc., driven by expansion into new markets and increased demand for its services.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Equity Bancshares, Inc. is a regional bank with a strong local presence. It is facing the challenges of the current banking environment. Its growth trajectory is positive, driven by both organic growth and strategic acquisitions. The company needs to manage competition from larger banks and fintech companies.
Peer Comparison
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 investment advice. Market share estimates are 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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