Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
EQBK 
Equity Bancshares, Inc. (EQBK)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/27/2025: EQBK (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 45.89% | Avg. Invested days 74 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 686.52M USD | Price to earnings Ratio 9.8 | 1Y Target Price 49.2 |
Price to earnings Ratio 9.8 | 1Y Target Price 49.2 | ||
Volume (30-day avg) 67632 | Beta 0.95 | 52 Weeks Range 30.00 - 50.47 | Updated Date 04/2/2025 |
52 Weeks Range 30.00 - 50.47 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 1.53% | Basic EPS (TTM) 4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.42% | Operating Margin (TTM) 38.53% |
Management Effectiveness
Return on Assets (TTM) 1.21% | Return on Equity (TTM) 11.98% |
Valuation
Trailing PE 9.8 | Forward PE - | Enterprise Value 614658688 | Price to Sales(TTM) 3.12 |
Enterprise Value 614658688 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA - | Shares Outstanding 17508700 | Shares Floating 14148988 |
Shares Outstanding 17508700 | Shares Floating 14148988 | ||
Percent Insiders 5.78 | Percent Institutions 73.5 |
Analyst Ratings
Rating 4 | Target Price 52 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Equity Bancshares, Inc.
Company Overview
History and Background
Equity Bancshares, Inc. was founded in 2002. It has grown through acquisitions and organic expansion, focusing on community banking services in the Midwest region.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other banking services to individual customers.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes regional presidents and various department heads overseeing specific business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans form a significant part of Equity Bancshares' portfolio. Market share data is not readily available on a product-specific basis. Competitors include regional and national banks such as Commerce Bancshares (CBSH) and UMB Financial Corporation (UMBF).
- Deposit Accounts: A variety of deposit products are offered. Precise market share data is difficult to isolate. Competitors include other community banks and larger financial institutions like Bank of America (BAC) and JPMorgan Chase (JPM).
- Mortgage Lending: Mortgage lending forms a portion of their lending portfolio. Market share data is not readily available. Competitors include large mortgage lenders like Rocket Mortgage and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are focusing on relationship-based banking.
Positioning
Equity Bancshares is a regional bank focusing on community banking relationships. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Equity Bancshares' operating region is estimated to be several billion dollars. Equity Bancshares' market share is relatively small, positioning them for potential growth.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid asset quality
- Diversified product offerings
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger competitors
- Dependence on regional economy
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased adoption of digital banking
- Growing demand for wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- CBSH
- UMBF
- OZK
Competitive Landscape
Equity Bancshares faces competition from larger regional banks and smaller community banks. Its competitive advantage lies in its local presence and personalized service. Equity Bank (EQBK) holds a minimal share as a community bank.
Major Acquisitions
Adams Dairy Bank
- Year: 2018
- Acquisition Price (USD millions): 10.8
- Strategic Rationale: Expand presence in Kansas City market
Growth Trajectory and Initiatives
Historical Growth: Equity Bancshares has grown through acquisitions and organic expansion, achieving consistent revenue and earnings growth.
Future Projections: Analysts expect Equity Bancshares to continue growing at a moderate pace, driven by its focus on community banking and strategic acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Equity Bancshares is a regional bank with a solid foundation in community banking. Its strength lies in its relationships and strategic acquisitions. It faces competitive pressure from larger banks and needs to continue investing in digital capabilities. Maintaining asset quality is crucial given current economic uncertainties.
Similar Companies
CBSH
Commerce Bancshares Inc
CBSH
Commerce Bancshares Inc
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
HBNC
Horizon Bancorp
HBNC
Horizon Bancorp
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is approximate and may not be precise. Financial data is based on publicly available information and may be 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.