Equity Bancshares, Inc.(EQBK)

$48.36—Stale · unknown old

WatchlistAsk SA Chart

Equity Bancshares, Inc.(EQBK)

NYSE • Last print unknown ago

$48.36—Stale · unknown old

WatchlistAsk SA Chart Studio

EQBK(EQBK)

EQBK

9/26/26

Equity Bancshares (EQBK)

Saturday

5:49 AM

ThesisEquity Bancshares: the story is balanced — Net interest margin trajectory - compression from deposit beta catch-up and loan repricing dynamics

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$314M	$341M	$417M
Rev. Growth	-3.8%	+8.5%	+22.3%
EPS	$1.24	$4.56	$5.41
EPS Growth	-69.3%	+268%	+18.5%
P/E (fwd)	39.3×	10.7×	9.0×

★ Analysts see FY2027 revenue reaching $417M — +22.3% growth in a single year.

What Moves the Stock

01Net interest margin trajectory - compression from deposit beta catch-up and loan repricing dynamics
02Commercial real estate loan performance and reserve builds given CRE market stress in office/retail segments
03Deposit mix shift from non-interest bearing to interest-bearing accounts, driving funding cost increases
04Loan growth in commercial C&I and CRE portfolios, particularly in Kansas City and Wichita MSAs
05Credit quality metrics including non-performing assets, charge-offs, and provision expense relative to peers
06Net interest income from commercial and CRE loan portfolio (estimated 75-80% of revenue)
07Non-interest income including deposit fees, treasury management, and mortgage banking (estimated 20-25% of revenue)
08Wealth management and trust services (smaller component)

FY2025 Snapshot

Revenue: $314M
Rev. Growth: -3.8%
Gross Margin: 50.4%
Op. Margin: 10.4%
Net Margin: 7.2%
Net Income: $23M
NI Growth: -63.7%
EPS: $1.24
1Y Return: +20.6%

My Notes

value - The 1.2x price/book ratio and 3.4% ROE suggest the stock trades at a discount to tangible book value…
Asset-sensitive positioning means the bank benefits from rising short-term rates through faster loan repricing than deposit costs…
Watch on earnings: Federal funds rate and Fed policy trajectory - directly impacts net interest margin and loan demand, 10Y-2Y Treasury yield curve spread - steeper curves improve bank profitability through term premium capture, Midwest regional unemployment rates - leading indicator for credit quality deterioration.

One Sentence Summary:

Equity Bancshares: the story is balanced — net interest margin trajectory - compression from deposit beta catch-up and loan repricing dynamics.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

Explore More

52-Week Highs Breakout

Stocks breaking to new annual highs

52-Week Lows Oversold

S&P 500 oversold value screener

Trending Momentum

Relative strength momentum leaders

Earnings Calendar

Upcoming earnings dates & reports

S&P 500 Screener

Filter and sort all 500 stocks

Strategy Focus List

Continuous multi-factor scoring & catalyst forensics

Market Movers

Today's biggest gainers and losers

Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

39.3×

10.7×

9.0×

What Moves the Stock

01Net interest margin trajectory - compression from deposit beta catch-up and loan repricing dynamics

02Commercial real estate loan performance and reserve builds given CRE market stress in office/retail segments

03Deposit mix shift from non-interest bearing to interest-bearing accounts, driving funding cost increases

04Loan growth in commercial C&I and CRE portfolios, particularly in Kansas City and Wichita MSAs

05Credit quality metrics including non-performing assets, charge-offs, and provision expense relative to peers

06Net interest income from commercial and CRE loan portfolio (estimated 75-80% of revenue)

07Non-interest income including deposit fees, treasury management, and mortgage banking (estimated 20-25% of revenue)

08Wealth management and trust services (smaller component)

My Notes

value - The 1.2x price/book ratio and 3.4% ROE suggest the stock trades at a discount to tangible book value…

Asset-sensitive positioning means the bank benefits from rising short-term rates through faster loan repricing than deposit costs…

Watch on earnings: Federal funds rate and Fed policy trajectory - directly impacts net interest margin and loan demand, 10Y-2Y Treasury yield curve spread - steeper curves improve bank profitability through term premium capture, Midwest regional unemployment rates - leading indicator for credit quality deterioration.

Equity Bancshares (EQBK)

Revenue Outlook

What Moves the Stock

EQBK Chart

My Notes

One Sentence Summary:

Explore More

Equity Bancshares (EQBK)

Revenue Outlook

What Moves the Stock

EQBK Chart

My Notes

One Sentence Summary: