Equity Bancshares, Inc.

Equity Bancshares, Inc.

EQBKยทNASDAQ

$46.49

+4.2%
Financial ServicesBanks - Regional

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 various demand, savings, money market, and time deposits. Its loan products include commercial and industrial, commercial real estate-backed, commercial lines of credit, working capital, term, equipment financing, acquisition, expansion and development, borrowing base, real estate construction, homebuilder, agricultural, government guaranteed, and other loan products to national and regional companies, restaurant franchisees, hoteliers, real estate developers, manufacturing and industrial companies, agribusiness companies, and other businesses. The company's loan products also comprise various consumer loans to individuals and professionals, including residential real estate loans, home equity loans and lines of credit, installment loans, unsecured and secured personal lines of credit, overdraft protection, and letters of credit. It also provides debit cards; 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; ATMs; and treasury management, wire transfer, automated clearing house, and stop payment services. In addition, the company offers cash management deposit products, such as lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts, as well as banking services through telephone, mail, and personal appointments. As of December 31, 2021, it operated a network of 69 branches in Arkansas, Kansas, Missouri, and Oklahoma. The company was founded in 2002 and is headquartered in Wichita, Kansas.

At a Glance

Live Snapshot
Market Cap$886.87M
EPS4.0400
P/E Ratio10.59
Earnings Date01/28/2026
Equity Bancshares, Inc.

Equity Bancshares, Inc. Fair Value Envelope

EQBK ยท NASDAQ

Our analysis suggests that EQBK has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $46.49, this represents a potential HIDDEN relative to our calculated worth for Equity Bancshares, Inc..

Intrinsic Value
Current Price: $46.49

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$2.0B
+ Cash & Equivalents$383.5M
Firm Value$2.4B
- Debt$312.8M
Equity Value$2.1B
/ Shares Outstanding19,076,486B
DCF Value$108
UNDERVALUED BY 131%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$79.9M
$86.5M
$93.6M
$101.3M
$109.6M
$118.6M
$128.3M
$138.9M
$150.3M
$162.7M
Maintenance CapEx
-$1.8M
-$2.0M
-$2.2M
-$2.3M
-$2.5M
-$2.7M
-$3.0M
-$3.2M
-$3.5M
-$3.7M
Owner Earnings
$78.1M
$84.5M
$91.4M
$98.9M
$107.1M
$115.9M
$125.4M
$135.7M
$146.8M
$158.9M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$72.3M
$72.4M
$72.6M
$72.7M
$72.9M
$73.0M
$73.2M
$73.3M
$73.5M
$73.6M
Terminal Value represents 63.2% of Enterprise Value