EQBK · Equity Bancshares Inc
$49.88
+0.03 (+0.06%)
At close · Aug 20
Market Cap
$1.03B
Shares
20.59M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$49.88
Open$49.48
Day$49.22–50.07
52W close$38.78–51.73
Avg vol 30d119K
Short int441K · 2.1% float · 3.3d
Short vol55%
Last earningsJul 15, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 15, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Weak
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
+1%
above
RSI (14)
44
neutral
MACD trend
Negative
52-week position
86%
near high
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+11%
trailing
YTD return
+12%
this year
Relative strength
0%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $50 › 200d $46 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +21 funds added
Insider flow
Distributing
Net -$1.2M over 90 days · 67% sells
Short interest
Falling
2.14% of float · ▼ -20.3% MoM · 3.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
143 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
EPS growth
−69%
Y/Y
Free cash flow
$38.1M
Balance sheet
$391.0M
net debt
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−12%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 14, 2026
remainder of 2026
Net interest margin
4.25% – 4.35%
second half of 2026
Non-interest income
$18M – $22M
Non-interest expense
$94M – $98M
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2025
Loans as a percentage of average earning assets
· Q1 2026
80%
Loan-to-deposit ratio
· Q1 2026
88%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
86%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $50 › 200d $46 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +21 funds added
Insider flow
Distributing
Net -$1.2M over 90 days · 67% sells
Short interest
Falling
2.14% of float · ▼ -20.3% MoM · 3.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
143 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $39
Now $50 · 86%
Range high $52
vs 200-day avg +8%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL plus purchase discounts on loans | 1.73% | second quarter ended June 30, 2026 | — |
| Allowance for credit losses to outstanding balances | 1.19% | second quarter ended June 30, 2026 | — |
| Average interest-earning assets | $6.8B | second quarter ended June 30, 2026 | — |
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| Book value per share | $40.22 | second quarter ended June 30, 2026 | — |
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| Brokered deposits as a percentage of total deposits | 8% | second quarter ended June 30, 2026 | — |
| CET1 capital | 11.84% | second quarter ended June 30, 2026 | — |
| Classified assets to regulatory capital | 11.9% | second quarter ended June 30, 2026 | — |
| Core Deposit / Total Deposit non-GAAP | 91.62% | Q2 2026 | — |
| Core earnings per diluted share non-GAAP | $1.41 | second quarter ended June 30, 2026 | — |
| Core net income non-GAAP | $29.4M | second quarter ended June 30, 2026 | — |
| Core ROAA non-GAAP | 1.61% | Q2 2026 | — |
| Core ROATCE non-GAAP | 17.2% | second quarter ended June 30, 2026 | — |
| Cost of Int-bearing Deposits | 2.46% | Q2 2026 | — |
| Cost of Total Deposits | 1.98% | Q2 2026 | — |
| Dividend payout ratio year to date | 17.4% | year to date ended June 30, 2026 | — |
| Effective tax rate | 21.6% | second quarter ended June 30, 2026 | — |
| Efficiency ratio non-GAAP | 53.4% | second quarter ended June 30, 2026 | — |
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| Loan Coupon Yield | 6.45% | Q2 2026 | — |
| Loan purchase accounting accretion | $2.9M | second quarter ended June 30, 2026 | — |
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| Loan-to-Deposit Ratio | 85.75% | Q2 2026 | — |
| NCOs / Avg. Loans | 0.12% | Q2 2026 | — |
| Net charge-offs | $1.7M | second quarter ended June 30, 2026 | — |
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| Net interest margin | 4.36% | second quarter ended June 30, 2026 | — |
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| Non-performing assets | $66.3M | second quarter ended June 30, 2026 | — |
| Non-performing assets as a percentage of total assets | 0.86% | second quarter ended June 30, 2026 | — |
| Return on average equity | 12.9% | second quarter ended June 30, 2026 | — |
| ROATCE | 16.6% | second quarter ended June 30, 2026 | — |
| Tangible book value per share non-GAAP | $33.45 | second quarter ended June 30, 2026 | — |
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| Tangible common equity to tangible common assets non-GAAP | 9.1% | second quarter ended June 30, 2026 | — |
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| TBVPS CAGR non-GAAP | 7.3% | IPO to Current | — |
| Total risk-based capital | 14.66% | second quarter ended June 30, 2026 | — |
| Yield on Total Loans | 6.74% | Q2 2026 | — |
| Allowance for credit losses to gross loans held for investment | 1.18% | first quarter ended March 31, 2026 | — |
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| Core margin non-GAAP | 4.36% | Q4 2025 | — |
| Interest-bearing liabilities as a percentage of interest-earning assets | 75.1% | Q4 2025 | — |
| Net charge-offs (year-to-date) | $2.5M | FY2025 | — |
| Net charge-offs to average loans (annualized, YTD) | 0.06% | FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
EQBK
this stock
Equity Bancshares Inc
|
$1.03B | +11.7% | — | — | 2.1% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| EQBK | -3.6% | +0.6% | +11.1% | -1.6% | +11.7% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.6% | -2.7% | 0.0% | -3.7% | -0.1% |
Capital returns
Latest dividend
$0.18
/ share · ex Jun 30, 2026
Paid (TTM)
$0.72
/ share · 4 payouts
Dividend yield (TTM, derived)
1.44%
Buyback program
· as of Jun 30, 2026
Authorized
shares 1.00M
Spent (derived)
shares 883,707
Remaining
shares 116,293
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1227500
CUSIP
29460X109
13F (30d)
135 filings
134 filers
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