What is Equity Bancshares, Inc.'s earnings per share (EPS)?

Equity Bancshares, Inc. (EQBK) reported diluted earnings per share of $1.23 for fiscal year 2025. This represents a -69.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Equity Bancshares, Inc. (EQBK) Financials

EQBK

Trailing 12 months to June 30, 2026

Revenue $256.1M +10.1% YoY

Net Income $35.8M -46.6% YoY

EPS (Diluted) $1.71 -57.7% YoY

Free Cash Flow $39.0M -54.5% YoY

Market Cap $972.6M as of Oct 13, 2026

Price / Sales 3.8x on $256.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 27.1x on $35.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $827.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EQBK SEC filings page.

Equity Bancshares, Inc. (EQBK) reported $256.1M in revenue over the twelve months to Jun 30, 2026, up 10.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI EQBK FY2025 2026-10-04

The balance sheet expanded faster than earnings in FY2025, while funding costs and overhead compressed returns despite added equity.

As the asset base expanded from FY2024 to FY2025, net income fell while ROA dropped from 1.2% to 0.4%; that divergence indicates weaker earnings productivity, not merely slower top-line growth.

The bank’s earnings are sensitive to funding economics: interest expense was nearly half of FY2025 revenue, while SG&A rose from $72.8M to $84.8M. With revenue easing, cost pressure helped pull net margin from 27.8% to 10.8%, showing the 2024 rebound did not carry through.

Cash metrics were better than reported profit alone: operating cash flow reached $51.4M against net income of $22.7M, while free cash flow stayed positive, suggesting reported cash generation was not solely dependent on current-period profit. Capital support accompanied expansion: equity rose while debt-to-equity moved from 0.5x to 0.6x, indicating added capital came with more leverage.

Financial Health Signals

Financial Health Score 35/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Equity Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Equity Bancshares, Inc. earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.2% the prior year. Earnings ranks banks on that return over three years, and Equity Bancshares, Inc. scores 30/100 among other banks.

Growth

Equity Bancshares, Inc. reported revenue of $210.1M in fiscal year 2025, against $225.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Equity Bancshares, Inc. scores 81/100 among other banks.

Capital

Equity Bancshares, Inc. funded 11.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $732.1M of equity against $6.4B of assets. Capital ranks banks on that cushion, and Equity Bancshares, Inc. scores 53/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Equity Bancshares, Inc. scores 16/100 on it among other banks.

Credit Quality

Not available for Equity Bancshares, Inc., and counted as zero in the overall score.

Stability

Equity Bancshares, Inc. reported net income of $22.7M in fiscal year 2025, against $62.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Equity Bancshares, Inc. scores 32/100 among other banks.

Piotroski F-Score Partial

3/7

Equity Bancshares, Inc. passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.26x

For every $1 of reported earnings, Equity Bancshares, Inc. generates $2.26 in operating cash flow ($51.4M OCF vs $22.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$81.9M

YoY+40.3%

QoQ-1.5%

5Y CAGR+13.4%

10Y CAGR+18.8%

Equity Bancshares, Inc. generated $81.9M in revenue in Q2 2026. This represents an increase of 40.3% from the same quarter a year earlier. Against the prior quarter it is down 1.5%.

Net Income

$26.4M

YoY+73.2%

QoQ+55.8%

5Y CAGR+11.8%

10Y CAGR+25.0%

Equity Bancshares, Inc. reported $26.4M in net income in Q2 2026. This represents an increase of 73.2% from the same quarter a year earlier. Against the prior quarter it is up 55.8%.

EPS (Diluted)

$1.27

YoY+47.7%

QoQ+58.7%

5Y CAGR+4.3%

10Y CAGR+14.1%

Equity Bancshares, Inc. earned $1.27 per diluted share (EPS) in Q2 2026. This represents an increase of 47.7% from the same quarter a year earlier. Against the prior quarter it is up 58.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$35.5M

YoY+36.7%

QoQ+208.0%

5Y CAGR+10.1%

10Y CAGR+32.6%

Equity Bancshares, Inc. generated $35.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 36.7% from the same quarter a year earlier. Against the prior quarter it is up 208.0%.

Cash & Debt

Debt $532.6M

YoY+18.8%

QoQ+8.7%

5Y CAGR+28.5%

Equity Bancshares, Inc. carried $532.6M in long-term debt as of Q2 2026; cash and equivalents are not reported for that period.

Dividends Per Share

$0.18

YoY+20.0%

QoQ0.0%

Equity Bancshares, Inc. paid $0.18 per share in dividends in Q2 2026. This represents an increase of 20.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

21M

YoY+7.2%

QoQ-0.2%

Equity Bancshares, Inc. had 21M shares outstanding in Q2 2026. This represents an increase of 7.2% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Margins & Returns

Net Margin

32.3%

YoY+6.1pp

QoQ+11.9pp

5Y change-2.4pp

10Y change+12.8pp

Equity Bancshares, Inc.'s net profit margin was 32.3% in Q2 2026, showing the share of revenue converted to profit. This is up 6.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 11.9 percentage points.

Return on Equity

3.2%

YoY+0.8pp

QoQ+1.1pp

5Y change-0.5pp

10Y change+1.4pp

Equity Bancshares, Inc.'s ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$9.9M

YoY+3507.7%

QoQ-56.4%

5Y CAGR+28.0%

Equity Bancshares, Inc. spent $9.9M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 3507.7% from the same quarter a year earlier. Against the prior quarter it is down 56.4%.

Capital Expenditures

$3.3M

YoY+44.8%

QoQ-13.0%

5Y CAGR+16.0%

10Y CAGR+16.6%

Equity Bancshares, Inc. invested $3.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 44.8% from the same quarter a year earlier. Against the prior quarter it is down 13.0%.

R&D Spending

Not reported for Q2 2026.

EQBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

EQBK quarterly income statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Revenue	$256.1M	$210.1M-6.6%	$225.0M+60.8%	$139.9M-29.6%	$198.8M+13.3%	$175.4M+10.6%	$158.7M+5.2%	$150.8M+4.4%	$144.5M+42.5%	$101.4M+60.9%	$63.1M+12.5%	$56.1M+12.0%	$50.0M+1.8%	$49.1M
SG&A Expenses	$95.9M	$84.8M+16.5%	$72.8M+13.0%	$64.4M+3.8%	$62.0M+14.4%	$54.2M+0.1%	$54.1M+3.9%	$52.1M+8.5%	$48.0M+41.4%	$34.0M+54.7%	$22.0M+14.3%	$19.2M-2.1%	$19.6M+10.4%	$17.8M
Interest Expense	$124.3M	$104.8M-5.4%	$110.7M+26.2%	$87.7M+245.0%	$25.4M+71.9%	$14.8M-35.4%	$22.9M-53.9%	$49.6M+35.0%	$36.8M+120.2%	$16.7M+81.4%	$9.2M+36.0%	$6.8M+24.5%	$5.4M-3.2%	$5.6M
Income Tax	$9.3M	$3.7M-76.7%	$15.7M+389.7%	-$5.4M-142.9%	$12.6M+5.3%	$12.0M+2889.0%	$400K-94.5%	$7.3M-29.7%	$10.3M-0.3%	$10.4M+130.9%	$4.5M+8.5%	$4.1M-1.5%	$4.2M+18.9%	$3.5M
Net Income	$35.8M	$22.7M-63.7%	$62.6M+700.7%	$7.8M-86.4%	$57.7M+9.9%	$52.5M+170.0%	-$75.0M-393.1%	$25.6M-28.6%	$35.8M+73.5%	$20.6M+120.3%	$9.4M-9.0%	$10.3M+14.6%	$9.0M+14.1%	$7.9M
EPS (Basic)	N/A	$1.24-69.3%	$4.04+708.0%	$0.50-86.0%	$3.56+2.0%	$3.49+170.2%	-$4.97-403.0%	$1.64-29.6%	$2.33+40.4%	$1.66+52.3%	$1.09-29.7%	$1.55+18.3%	$1.31+40.9%	$0.93
EPS (Diluted)	$1.71	$1.23-69.3%	$4.00+700.0%	$0.50-85.8%	$3.51+2.3%	$3.43+169.0%	-$4.97-408.7%	$1.61-29.4%	$2.28+40.7%	$1.62+51.4%	$1.07-30.5%	$1.54+18.5%	$1.30+41.3%	$0.92
Diluted Shares (Avg)	N/A	18M+17.8%	16M+0.1%	16M-4.8%	16M+7.4%	15M+1.4%	15M-4.7%	16M+0.9%	16M+23.6%	13M+45.1%	9M+33.5%	7M+2.9%	6M-14.9%	7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Revenue	$81.9M+40.3%	$83.2M+37.2%	$73.0M+25.3%	$18.0M-67.5%	$58.4M+5.3%	$60.6M+8.4%	$58.3M-9.3%	$55.3M+11.3%
SG&A Expenses	$24.6M+24.6%	$26.3M+31.6%	$22.3M+21.5%	$22.8M+23.1%	$19.7M+10.7%	$20.0M+10.3%	$18.4M+10.7%	$18.5M+16.6%
Interest Expense	$34.0M+39.2%	$34.4M+40.9%	$27.4M+7.3%	$28.6M-1.1%	$24.4M-14.9%	$24.4M-11.6%	$25.5M+2.7%	$28.9M+20.4%
Income Tax	$7.3M+135.0%	$5.3M+38.1%	$4.4M+28.8%	-$7.6M-291.7%	$3.1M-32.2%	$3.8M+3.1%	$3.4M+129.9%	$4.0M+106.3%
Net Income	$26.4M+73.2%	$17.0M+12.8%	$22.1M+30.0%	-$29.7M-249.4%	$15.3M+30.3%	$15.0M+6.9%	$17.0M+160.0%	$19.9M+60.9%
EPS (Basic)	$1.28+47.1%	$0.81-5.8%	$1.20+13.2%	-$1.55-219.2%	$0.87+13.0%	$0.86-5.5%	$1.06+158.2%	$1.30+62.5%
EPS (Diluted)	$1.27+47.7%	$0.80-5.9%	$1.19+13.3%	-$1.55-221.1%	$0.86+13.2%	$0.85-5.6%	$1.05+158.3%	$1.28+60.0%
Diluted Shares (Avg)	21M+18.0%	21M+20.4%	N/A	19M+23.8%	18M+14.8%	18M+13.4%	N/A	15M-0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

EQBK Balance Sheet

EQBK quarterly balance sheet

Metric	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Total Assets	$6.4B+19.5%	$5.3B+5.9%	$5.0B+1.1%	$5.0B-3.0%	$5.1B+28.0%	$4.0B+1.6%	$3.9B-2.8%	$4.1B+28.1%	$3.2B+44.6%	$2.2B+38.2%	$1.6B+35.0%	$1.2B	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$52.2M+48.7%	$35.1M-38.2%	$56.8M+79.2%	$31.7M+53.8%	$20.6M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0
Long-Term Investments	$34.2M+10.5%	$30.9M-0.5%	$31.1M+26.7%	$24.6M-3.3%	$25.4M	N/A	N/A	N/A	$0	$0	$0	$0	$0
Goodwill	$82.1M+54.6%	$53.1M0.0%	$53.1M0.0%	$53.1M-2.5%	$54.5M+72.4%	$31.6M-76.8%	$136.4M+3.6%	$131.7M+25.6%	$104.9M+78.2%	$58.9M+224.7%	$18.1M0.0%	$18.1M0.0%	$18.1M
Total Liabilities	$5.6B+19.0%	$4.7B+3.4%	$4.6B+0.2%	$4.6B-1.4%	$4.6B+28.6%	$3.6B+3.9%	$3.5B-3.7%	$3.6B+28.9%	$2.8B+44.6%	$1.9B+36.4%	$1.4B+34.2%	$1.1B	N/A
Long-Term Debt	$443.2M+41.7%	$312.8M-19.2%	$386.9M+34.0%	$288.7M+81.2%	$159.4M+12.4%	$141.8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$732.1M+23.5%	$592.9M+30.9%	$452.9M+10.4%	$410.1M-18.1%	$500.6M+22.8%	$407.6M-14.7%	$478.1M+4.9%	$455.9M+21.9%	$374.1M+45.0%	$258.0M+54.3%	$167.2M+42.0%	$117.7M-15.8%	$139.9M
Retained Earnings	$205.3M+5.3%	$194.9M+38.2%	$141.0M+0.7%	$140.1M+58.6%	$88.3M+73.9%	$50.8M-59.6%	$125.8M+24.1%	$101.3M+54.7%	$65.5M+47.8%	$44.3M+26.8%	$35.0M+40.8%	$24.8M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Total Assets	$7.7B+43.8%	$7.7B+40.8%	$6.4B+19.5%	$6.4B+18.9%	$5.4B+2.4%	$5.4B+4.0%	$5.3B+5.9%	$5.4B+8.3%
Long-Term Investments	$29.8M-20.6%	$33.7M+10.2%	$34.2M+10.5%	$41.5M+30.5%	$37.6M+8.9%	$30.6M-0.7%	$30.9M-0.5%	$31.8M-8.5%
Goodwill	$105.4M+98.4%	$105.0M+97.7%	$82.1M+54.6%	$77.6M+46.1%	$53.1M0.0%	$53.1M0.0%	$53.1M0.0%	$53.1M0.0%
Total Liabilities	$6.9B+45.6%	$6.8B+41.9%	$5.6B+19.0%	$5.7B+16.5%	$4.7B-1.0%	$4.8B+1.0%	$4.7B+3.4%	$4.9B+7.2%
Long-Term Debt	$532.6M+18.8%	$490.0M+30.0%	$443.2M+41.7%	$486.9M+11.3%	$448.4M+14.5%	$376.9M+2.7%	$312.8M-19.2%	$437.5M+14.2%
Total Equity	$827.3M+30.1%	$817.6M+32.4%	$732.1M+23.5%	$711.9M+41.2%	$635.6M+37.8%	$617.3M+35.1%	$592.9M+30.9%	$504.0M+20.5%
Retained Earnings	$241.2M+9.7%	$218.5M+5.4%	$205.3M+5.3%	$186.7M+3.4%	$219.9M+34.8%	$207.3M+35.3%	$194.9M+38.2%	$180.6M+5.5%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

EQBK Cash Flow Statement

EQBK quarterly cash flow statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Operating Cash Flow	$55.6M	$51.4M-30.4%	$73.8M-3.5%	$76.5M+3.3%	$74.1M-27.9%	$102.7M+135.4%	$43.6M-10.1%	$48.5M+32.3%	$36.7M+32.7%	$27.6M+77.7%	$15.5M+14.2%	$13.6M-0.4%	$13.7M-15.0%	$16.1M
Depreciation & Amortization	N/A	$6.1M+13.1%	$5.4M+19.1%	$4.5M+1.1%	$4.5M+6.7%	$4.2M+12.3%	$3.7M+4.5%	$3.6M+13.9%	$3.1M+25.4%	$2.5M+41.5%	$1.8M+5.5%	$1.7M+11.5%	$1.5M+6.2%	$1.4M
Stock-Based Compensation	N/A	$5.6M+39.2%	$4.0M+26.0%	$3.2M-3.4%	$3.3M+14.4%	$2.9M-16.3%	$3.5M+21.0%	$2.9M+14.4%	$2.5M+128.1%	$1.1M+98.9%	$553K+4.1%	$531K-73.5%	$2.0M+274.3%	$536K
Capital Expenditures	$16.6M	$13.3M+56.0%	$8.5M-45.5%	$15.6M+347.7%	$3.5M-31.8%	$5.1M-46.6%	$9.5M+37.4%	$6.9M-21.3%	$8.8M+28.5%	$6.9M+145.8%	$2.8M-51.3%	$5.7M+22.7%	$4.7M+154.5%	$1.8M
Free Cash Flow	$39.0M	$38.1M-41.7%	$65.4M+7.2%	$61.0M-13.7%	$70.6M-27.7%	$97.6M+186.4%	$34.1M-18.0%	$41.6M+49.4%	$27.8M+34.1%	$20.8M+62.8%	$12.8M+61.7%	$7.9M-12.4%	$9.0M-36.8%	$14.2M
Investing Cash Flow	$150.5M	$136.9M+10.7%	$123.7M-46.7%	$232.2M+208.4%	-$214.2M+32.1%	-$315.3M-428.5%	$96.0M-0.1%	$96.1M+156.0%	-$171.5M+23.1%	-$222.9M-58.5%	-$140.7M	N/A	N/A	N/A
Financing Cash Flow	-$25.7M	$35.8M+118.5%	-$192.9M-467.0%	-$34.0M-120.7%	-$15.4M-108.0%	$191.9M+270.6%	$51.8M+120.9%	-$248.1M-190.1%	$275.4M+29.7%	$212.4M+105.4%	$103.4M	N/A	N/A	N/A
Dividends Paid	$13.4M	$11.4M+44.7%	$7.9M+19.3%	$6.6M+18.9%	$5.6M+384.2%	$1.1M	N/A	N/A	N/A	N/A	$42K-74.4%	$164K-79.6%	$804K-17.1%	$970K
Share Buybacks	$46.3M	$14.0M+17.9%	$11.9M-33.7%	$17.9M-46.1%	$33.2M+77.8%	$18.7M-3.5%	$19.3M+78.0%	$10.9M	N/A	N/A	N/A	N/A	$17.2M+2915.9%	$571K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Operating Cash Flow	$38.8M+37.4%	$15.3M-29.3%	-$7.1M-132.5%	$8.5M-63.9%	$28.3M+76.3%	$21.7M+71.5%	$21.7M+67.3%	$23.5M-6.4%
Depreciation & Amortization	$4.3M+68.9%	$1.6M+9.9%	$1.6M+15.4%	$2.8M+13.2%	$2.5M-2.0%	$1.4M+8.1%	$1.4M+18.2%	$2.5M+25.7%
Stock-Based Compensation	N/A	$1.5M+8.3%	N/A	N/A	N/A	$1.4M+49.7%	N/A	N/A
Capital Expenditures	$3.3M+44.8%	$3.8M+159.3%	$5.5M+196.8%	$4.0M+6.2%	$2.3M+169.7%	$1.5M-27.2%	$1.8M-46.2%	$3.8M-27.6%
Free Cash Flow	$35.5M+36.7%	$11.5M-43.0%	-$12.5M-163.2%	$4.5M-77.4%	$26.0M+71.1%	$20.2M+90.2%	$19.9M+108.1%	$19.7M-0.9%
Investing Cash Flow	-$86.6M-933.6%	$52.8M+191.2%	-$66.6M-142.8%	$251.0M+513.3%	$10.4M-55.9%	-$57.8M-1193.2%	$155.6M+39.4%	-$60.7M-218.2%
Financing Cash Flow	$30.1M+129.0%	-$111.7M-233.4%	-$17.9M+38.2%	$73.8M+492.3%	-$103.8M-622.9%	$83.8M+151.7%	-$29.0M-152.2%	$12.5M+108.0%
Dividends Paid	$3.7M+42.3%	$3.5M+30.4%	$3.4M+50.2%	$2.6M+40.2%	$2.6M+46.5%	$2.7M+40.7%	$2.3M+23.9%	$1.9M+21.4%
Share Buybacks	$9.9M+3507.7%	$22.7M	$7.2M	$6.5M	$274K-94.6%	$0-100.0%	$0-100.0%	$0-100.0%

EQBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

EQBK quarterly financial ratios

Metric	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Net Margin	10.8%-17.0pp	27.8%+22.2pp	5.6%-23.4pp	29.0%-0.9pp	29.9%+77.2pp	-47.3%-64.2pp	17.0%-7.8pp	24.8%+4.4pp	20.4%+5.5pp	14.9%-3.5pp	18.4%+0.4pp	18.0%+1.9pp	16.0%
Return on Equity	3.1%-7.5pp	10.6%+8.8pp	1.7%-12.3pp	14.1%+3.6pp	10.5%+28.9pp	-18.4%-23.7pp	5.3%-2.5pp	7.9%+2.3pp	5.5%+1.9pp	3.6%-2.5pp	6.2%-1.5pp	7.6%+2.0pp	5.6%
Return on Assets	0.4%-0.8pp	1.2%+1.0pp	0.2%-1.0pp	1.2%+0.1pp	1.0%+2.9pp	-1.9%-2.5pp	0.7%-0.2pp	0.9%+0.2pp	0.7%+0.2pp	0.4%-0.2pp	0.7%-0.1pp	0.8%	N/A
Debt-to-Equity	0.61+0.1x	0.53-0.3x	0.85+0.2x	0.70+0.4x	0.320.0x	0.35-6.9x	7.26-0.6x	7.91+0.4x	7.470.0x	7.50-1.0x	8.48-0.5x	8.98	N/A
Asset Turnover	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.04	N/A
FCF Margin	18.1%-10.9pp	29.0%-14.5pp	43.6%+8.1pp	35.5%-20.1pp	55.6%+34.2pp	21.5%-6.1pp	27.6%+8.3pp	19.3%-1.2pp	20.5%+0.2pp	20.2%+6.2pp	14.1%-3.9pp	18.0%-11.0pp	29.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Net Margin	32.3%+6.1pp	20.4%-4.4pp	30.2%+1.1pp	-164.7%	26.1%+5.0pp	24.8%-0.4pp	29.1%+73.2pp	35.9%+11.1pp
Return on Equity	3.2%+0.8pp	2.1%-0.4pp	3.0%+0.2pp	-4.2%-8.1pp	2.4%-0.1pp	2.4%-0.6pp	2.9%+9.1pp	3.9%+1.0pp
Return on Assets	0.3%+0.1pp	0.2%-0.1pp	0.4%0.0pp	-0.5%-0.8pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.9pp	0.4%+0.1pp
Debt-to-Equity	0.64-0.1x	0.600.0x	0.61+0.1x	0.68-0.2x	0.71-0.1x	0.61-0.2x	0.53-0.3x	0.870.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.000.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	43.4%-1.1pp	13.9%-19.5pp	-17.2%-51.2pp	24.7%-10.9pp	44.5%+17.1pp	33.4%+14.3pp	34.1%+19.2pp	35.6%-4.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$972.6M	35/100
Heritage Financial Corp HFWA	FY2025	$246.1M	$67.5M	27.4%	$1.1B	51/100
Horizon Bancorp, Inc. HBNC	FY2025	$362.8M	-$150.5M	-41.5%	$988.9M	32/100
HBT Financial, Inc. HBT	FY2025	$237.1M	$77.0M	32.5%	$1.3B	55/100
CNB Financial Corp/PA CCNE	FY2025	$282.2M	$66.1M	23.4%	$985.8M	47/100
Capital City Bank Group Inc CCBG	FY2025	$254.0M	$61.6M	24.2%	$823.1M	52/100

Where Equity Bancshares, Inc. Ranks

Frequently Asked Questions

What is Equity Bancshares, Inc.'s annual revenue?

Equity Bancshares, Inc. (EQBK) reported $210.1M in total revenue for fiscal year 2025. This represents a -6.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Equity Bancshares, Inc.'s revenue growing?

Equity Bancshares, Inc. (EQBK) revenue declined by 6.6% year-over-year, from $225.0M to $210.1M in fiscal year 2025.

Is Equity Bancshares, Inc. profitable?

Yes, Equity Bancshares, Inc. (EQBK) reported a net income of $22.7M in fiscal year 2025, with a net profit margin of 10.8%.

What is Equity Bancshares, Inc.'s net profit margin?

Equity Bancshares, Inc. (EQBK) had a net profit margin of 10.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Equity Bancshares, Inc. pay dividends?

Yes, Equity Bancshares, Inc. (EQBK) paid $0.66 per share in dividends during fiscal year 2025.

What is Equity Bancshares, Inc.'s return on equity (ROE)?

Equity Bancshares, Inc. (EQBK) has a return on equity of 3.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Equity Bancshares, Inc.'s free cash flow?

Equity Bancshares, Inc. (EQBK) generated $38.1M in free cash flow during fiscal year 2025. This represents a -41.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Equity Bancshares, Inc.'s operating cash flow?

Equity Bancshares, Inc. (EQBK) generated $51.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Equity Bancshares, Inc.'s total assets?

Equity Bancshares, Inc. (EQBK) had $6.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Equity Bancshares, Inc.'s capital expenditures?

Equity Bancshares, Inc. (EQBK) invested $13.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Equity Bancshares, Inc. buy back shares?

Yes, Equity Bancshares, Inc. (EQBK) spent $14.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Equity Bancshares, Inc. have outstanding?

Equity Bancshares, Inc. (EQBK) had 21M shares outstanding as of fiscal year 2025.

What is Equity Bancshares, Inc.'s debt-to-equity ratio?

Equity Bancshares, Inc. (EQBK) had a debt-to-equity ratio of 0.61 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Equity Bancshares, Inc.'s return on assets (ROA)?

Equity Bancshares, Inc. (EQBK) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Equity Bancshares, Inc.'s P/E ratio?

Equity Bancshares, Inc. (EQBK) trades at 27.1x earnings, its market capitalization divided by net income of $35.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $972.6M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Equity Bancshares, Inc.'s price-to-sales ratio?

Equity Bancshares, Inc. (EQBK) trades at 3.8x sales, its market capitalization divided by revenue of $256.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $972.6M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Equity Bancshares, Inc.'s Piotroski F-Score?

Equity Bancshares, Inc. (EQBK) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Equity Bancshares, Inc.'s earnings high quality?

Equity Bancshares, Inc. (EQBK) has an earnings quality ratio of 2.26x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Equity Bancshares, Inc.?

Equity Bancshares, Inc. (EQBK) scores 35 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.