NYSE : EQBK
Equity Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 49.11 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.01B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 347.68M | 277.14M | 245.81M | 211.21M | 160.86M | 137.33M |
| Interest Income on Investments | 68.00M | 53.70M | 51.03M | 35.50M | 27.39M | 20.03M |
| Total Interest Income | 415.68M | 330.83M | 296.84M | 246.71M | 188.25M | 157.37M |
| Interest Paid on Deposits | 116.13M | 88.45M | 90.41M | 70.47M | 16.32M | 8.26M |
| Interest Paid on Borrowings | 15.67M | 16.30M | 20.27M | 17.22M | 9.10M | 6.53M |
| Total Interest Expense | 131.80M | 104.75M | 110.68M | 87.69M | 25.42M | 14.79M |
| Net Interest Income | 283.88M | 226.08M | 186.16M | 159.02M | 162.83M | 142.58M |
| Mortgage Banking Activities | 1.67M | 567.00K | 861.00K | 652.00K | 1.42M | 3.31M |
| Gain (Loss) on Sale of Assets | 66.00K | 103.00K | 41.00K | 18.00K | ||
| Gain (Loss) on Sale of Investments | -1.16M | -53.17M | 220.00K | -51.91M | 5.00K | 406.00K |
| Gain (Loss) on Sale of Equity Investments | -87.00K | -222.00K | -222.00K | -222.00K | ||
| Other Non-Interest Income | 37.47M | 36.58M | 35.70M | 32.35M | 33.80M | 28.77M |
| Total Non-Interest Income | 37.98M | -16.03M | 36.76M | -19.03M | 35.04M | 32.27M |
| Revenues Before Loan Losses | 321.86M | 210.05M | 222.92M | 139.99M | 197.87M | 174.85M |
| Provision for Loan Losses | 8.90M | 8.95M | 2.55M | 1.87M | 125.00K | -8.48M |
| Revenue | 312.96M | 201.10M | 220.37M | 138.12M | 197.74M | 183.33M |
| Salaries and Employee Benefits | 92.41M | 79.99M | 69.29M | 64.38M | 62.01M | 54.20M |
| Occupancy Expenses | 18.02M | 15.10M | 13.70M | 11.47M | 11.32M | 9.52M |
| Federal Deposit Insurance | 3.44M | 2.58M | 2.48M | 2.19M | 1.14M | 1.67M |
| Amortization of Goodwill & Intangibles | 7.24M | 4.50M | 4.29M | 3.37M | 4.04M | 4.17M |
| Selling, General & Administrative | 44.78M | 43.17M | 41.15M | 33.48M | 30.58M | 25.36M |
| Other Non-Interest Expense | 21.83M | 18.93M | 16.39M | 19.89M | 18.50M | 15.20M |
| Total Non-Interest Expense | 188.25M | 165.29M | 139.76M | 135.41M | 127.83M | 109.92M |
| EBT Excluding Unusual Items | 124.71M | 35.81M | 80.61M | 2.71M | 69.91M | 73.41M |
| Other Unusual Items | -1.36M | 2.13M | 962.00K | 213.00K | ||
| Pretax Income | 116.41M | 26.38M | 78.28M | 2.42M | 70.28M | 64.44M |
| Income Tax Expense | 24.14M | 3.65M | 15.66M | -5.41M | 12.59M | 11.96M |
| Net Income | 92.26M | 22.73M | 62.62M | 7.82M | 57.69M | 52.48M |
| Net Income to Common | 92.26M | 22.73M | 62.62M | 7.82M | 57.69M | 52.48M |
| Basic Shares Outstanding | 20.32M | 18.30M | 15.49M | 15.54M | 16.21M | 15.02M |
| Diluted Shares Outstanding | 20.51M | 18.46M | 15.67M | 15.65M | 16.44M | 15.31M |
| EPS (Basic) | 4.54 | 1.24 | 4.04 | 0.50 | 3.56 | 3.49 |
| EPS (Diluted) | 4.49 | 1.23 | 4.00 | 0.50 | 3.51 | 3.43 |
| Dividend Per Share | 0.76 | 0.66 | 0.54 | 0.44 | 0.36 | 0.16 |
| Effective Tax Rate | 20.74% | 13.85% | 20.00% | 17.92% | 18.55% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 338.27M | 607.82M | 383.75M | 379.10M | 104.43M | 259.95M |
| Investment Securities | 1.24B | 291.32M | 347.52M | 285.57M | 548.19M | 538.57M |
| Trading Asset Securities | 5.76M | 8.05M | 7.00M | 8.74M | 5.02M | |
| Mortgage-Backed Securities | 5.17M | 780.44M | 694.11M | 668.08M | 663.27M | 836.58M |
| Total Investments | 1.25B | 1.08B | 1.05B | 960.65M | 1.22B | 1.38B |
| Gross Loans | 5.44B | 4.20B | 3.50B | 3.33B | 3.31B | 3.16B |
| Allowance for Loan Losses | -63.98M | -52.76M | -43.27M | -43.52M | -45.85M | -48.37M |
| Net Loans | 5.38B | 4.15B | 3.46B | 3.29B | 3.27B | 3.11B |
| Property, Plant & Equipment | 145.53M | 140.25M | 120.73M | 115.92M | 104.68M | 110.00M |
| Goodwill | 105.36M | 82.10M | 53.10M | 53.10M | 53.10M | 54.47M |
| Other Intangible Assets | 26.48M | 21.63M | 14.97M | 7.22M | 10.60M | 14.88M |
| Loans Held for Sale | 2.42M | 1.39M | 513.00K | 476.00K | 349.00K | 4.21M |
| Accrued Interest Receivable | 42.60M | 33.32M | 28.91M | 25.50M | 20.63M | 18.05M |
| Other Real Estate Owned & Foreclosed | 5.24M | 5.97M | 9.59M | 2.21M | 4.41M | 36.38M |
| Other Long-Term Assets | 298.19M | 257.75M | 213.25M | 201.03M | 197.56M | 152.26M |
| Total Assets | 7.59B | 6.37B | 5.33B | 5.03B | 4.98B | 5.14B |
| Interest Bearing Deposits | 5.02B | 3.51B | 3.09B | 3.05B | 3.00B | 2.94B |
| Institutional Deposits | 480.53M | 335.56M | 196.77M | 145.72M | 233.46M | |
| Non-Interest Bearing Deposits | 1.15B | 1.15B | 954.07M | 898.13M | 1.10B | 1.24B |
| Total Deposits | 6.17B | 5.14B | 4.37B | 4.15B | 4.24B | 4.42B |
| Short-Term Borrowings | 433.54M | 342.67M | 218.87M | 287.24M | 193.35M | 61.56M |
| Current Portion of Leases | 596.00K | |||||
| Accrued Interest Payable | 60.61M | 9.76M | 5.03M | 9.18M | 2.47M | 3.19M |
| Long-Term Debt | 98.49M | 73.84M | 73.53M | 73.33M | 73.14M | 72.96M |
| Long-Term Leases | 2.93M | 3.60M | 3.31M | 5.29M | 5.93M | |
| Trust Preferred Securities | 24.31M | 23.95M | 23.59M | 23.25M | 22.92M | |
| Other Long-Term Liabilities | 15.11M | 48.75M | 39.37M | 39.63M | 32.27M | 50.44M |
| Total Liabilities | 6.78B | 5.64B | 4.74B | 4.58B | 4.57B | 4.64B |
| Common Stock | 273.00K | 249.00K | 230.00K | 207.00K | 205.00K | 203.00K |
| Additional Paid-In Capital | 769.50M | 664.91M | 584.42M | 489.19M | 484.99M | 478.86M |
| Retained Earnings | 263.40M | 205.33M | 194.92M | 141.01M | 140.09M | 88.32M |
| Treasury Stock | -178.03M | -145.46M | -131.47M | -119.62M | -101.72M | -68.53M |
| Comprehensive Income & Other | -39.19M | 7.03M | -55.18M | -57.92M | -113.51M | 1.78M |
| Total Common Equity | 815.95M | 732.05M | 592.92M | 452.86M | 410.06M | 500.63M |
| Shareholders' Equity | 815.95M | 732.05M | 592.92M | 452.86M | 410.06M | 500.63M |
| Total Liabilities & Equity | 7.59B | 6.37B | 5.33B | 5.03B | 4.98B | 5.14B |
| Total Debt | 532.03M | 444.34M | 319.94M | 387.47M | 295.04M | 163.37M |
| Net Cash (Debt) | -193.19M | 169.81M | 71.86M | -1.36M | -181.88M | 101.60M |
| Net Cash Per Share | -9.42 | 9.20 | 4.59 | -0.09 | -11.06 | 6.64 |
| Filing Date Shares Outstanding | 20.59M | 20.99M | 17.51M | 15.44M | 15.80M | 16.66M |
| Total Common Shares Outstanding | 20.59M | 18.95M | 17.43M | 15.44M | 15.93M | 16.76M |
| Book Value Per Share | 39.62 | 38.62 | 34.02 | 29.32 | 25.74 | 29.87 |
| Tangible Book Value | 684.11M | 628.32M | 524.85M | 392.54M | 346.36M | 431.29M |
| Tangible Book Value Per Share | 33.22 | 33.15 | 30.12 | 25.42 | 21.74 | 25.73 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 22.73M | 62.62M | 7.82M | 57.69M | 52.48M | |
| Depreciation & Amortization | 11.35M | 10.26M | 8.64M | 9.37M | 8.91M | |
| Other Amortization | 82.00K | 138.00K | 188.00K | 188.00K | 171.00K | |
| Gain (Loss) on Sale of Assets | 639.00K | -7.88M | 173.00K | -306.00K | -893.00K | |
| Gain (Loss) on Sale of Investments | 49.11M | -2.79M | 56.47M | 4.82M | 8.86M | |
| Total Asset Writedown | -6.74M | -2.00M | -618.00K | -3.98M | 18.00M | |
| Provision for Credit Losses | 8.95M | 2.55M | 1.87M | 125.00K | -8.48M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -425.00K | 2.94M | 3.00K | 4.63M | 10.84M | |
| Accrued Interest Receivable | 2.52M | -614.00K | -4.87M | -2.97M | 1.67M | |
| Change in Other Net Operating Assets | -17.91M | 11.22M | 6.17M | 22.47M | -6.50M | |
| Other Operating Activities | -13.11M | -8.00M | -7.83M | -2.62M | -3.16M | |
| Operating Cash Flow | 51.37M | 73.84M | 76.53M | 74.07M | 102.70M | |
| Capital Expenditures | -13.25M | -8.49M | -15.57M | -3.48M | -5.10M | |
| Sale of Property, Plant and Equipment | 448.00K | 706.00K | 163.00K | 164.00K | 24.00K | |
| Cash Acquisitions | 150.43M | 62.17M | 173.86M | |||
| Investment in Securities | 23.57M | 100.93M | 267.05M | -20.12M | -312.24M | |
| Divestitures | -41.27M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -31.45M | -32.85M | -24.95M | -185.59M | -156.74M | |
| Other Investing Activities | 7.17M | 1.26M | 6.04M | 26.80M | -19.88M | |
| Investing Cash Flow | 136.92M | 123.73M | 232.17M | -214.18M | -315.34M | |
| Short-Term Debt Issued | 1.40B | 1.27B | 1.51B | 553.84M | 309.67M | |
| Total Debt Issued | 1.40B | 1.27B | 1.51B | 553.84M | 309.67M | |
| Short-Term Debt Repaid | -1.28B | -1.36B | -1.41B | -424.50M | -328.42M | |
| Long-Term Debt Repaid | -691.00K | |||||
| Total Debt Repaid | -1.28B | -1.36B | -1.41B | -424.50M | -328.42M | |
| Net Debt Issued (Repaid) | 116.47M | -85.60M | 98.24M | 129.34M | -18.75M | |
| Issuance of Common Stock | 1.20M | 91.21M | 987.00K | 2.80M | 4.46M | |
| Repurchase of Common Stock | -13.99M | -11.86M | -17.90M | -33.19M | -18.66M | |
| Common Dividends Paid | -11.42M | -7.89M | -6.61M | -5.56M | -1.15M | |
| Total Dividends Paid | -11.42M | -7.89M | -6.61M | -5.56M | -1.15M | |
| Net Increase (Decrease) in Deposit Accounts | -42.85M | -163.04M | -96.44M | -106.33M | 228.51M | |
| Other Financing Activities | -13.63M | -15.75M | -12.30M | -2.47M | -2.51M | |
| Financing Cash Flow | 35.79M | -192.93M | -34.03M | -15.41M | 191.90M | |
| Net Cash Flow | 224.07M | 4.65M | 274.67M | -155.53M | -20.74M | |
| Free Cash Flow | 38.11M | 65.35M | 60.95M | 70.59M | 97.60M | |
| Free Cash Flow Margin | 18.95% | 29.65% | 44.13% | 35.70% | 53.23% | |
| Free Cash Flow Per Share | 2.06 | 4.17 | 3.90 | 4.29 | 6.38 | |
| Cash Interest Paid | 100.28M | 116.19M | 80.81M | 25.80M | 15.03M | |
| Cash Income Tax Paid | -11.33M | 6.20M | 3.47M | 1.22M | 4.59M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.00B | 851.76M | 736.28M | 522.50M | 520.70M | 571.76M |
| Last Close Price | 48.68 | 44.10 | 41.24 | 32.48 | 30.78 | 31.60 |
| PE Ratio | 10.84 | 37.48 | 11.76 | 66.81 | 9.03 | 10.89 |
| PS Ratio | 3.20 | 4.24 | 3.34 | 3.78 | 2.63 | 3.12 |
| PB Ratio | 1.23 | 1.16 | 1.24 | 1.15 | 1.27 | 1.14 |
| P/FCF Ratio | 25.72 | 22.35 | 11.27 | 8.57 | 7.38 | 5.86 |
| P/OCF Ratio | 18.04 | 16.58 | 9.97 | 6.83 | 7.03 | 5.57 |
| Debt / Equity Ratio | 0.65 | 0.61 | 0.54 | 0.86 | 0.72 | 0.33 |
| Debt / FCF Ratio | 11.66 | 4.90 | 6.36 | 4.18 | 1.67 | |
| Net Debt / Equity Ratio | 0.24 | -0.23 | -0.12 | 0.00 | 0.44 | -0.20 |
| Net Debt / FCF Ratio | -4.46 | -1.10 | 0.02 | 2.58 | -1.04 | |
| Return on Equity (ROE) | 12.08% | 3.43% | 11.98% | 1.81% | 12.67% | 11.56% |
| Return on Assets (ROA) | 1.32% | 0.39% | 1.21% | 0.16% | 1.14% | 1.15% |
| Earnings Yield | 9.23% | 2.67% | 8.51% | 1.50% | 11.08% | 9.18% |
| FCF Yield | 3.89% | 4.47% | 8.88% | 11.67% | 13.56% | 17.07% |
| Dividend Yield | 1.81% | 1.47% | 1.28% | 1.30% | 1.10% | 0.47% |
| Payout Ratio | 16.92% | 50.24% | 12.60% | 84.57% | 9.64% | 2.19% |
| Buyback Yield / Dilution | -15.72% | -17.77% | -0.15% | 4.80% | -7.39% | -1.38% |
| Total Shareholder Return | -13.91% | -16.30% | 1.13% | 6.10% | -6.29% | -0.91% |