Source SEC Filings (10-K/10-Q)Updated Dec 31, 2025Currency USDFYE December
This page shows Equity Bancshare (EQBK) financial statements, including the
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).
Equity Bancshare's revenue grew 11.5% year-over-year to $330.8M, a solid pace of expansion. This earns a growth score of 52/100.
Leverage
90
Equity Bancshare carries a low D/E ratio of 0.61, meaning only $0.61 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.
Cash Flow
54
Equity Bancshare has a free cash flow margin of 11.5%, earning a moderate score of 54/100. The company generates positive cash flow after capital investments, but with room for improvement.
Returns
18
Equity Bancshare generates a 3.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 18/100. This is down from 10.6% the prior year.
Piotroski F-ScoreWeak
3/9
Equity Bancshare passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
Earnings QualityCash-Backed
2.26x
For every $1 of reported earnings, Equity Bancshare 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.
Equity Bancshare generated $330.8M in revenue in fiscal year 2025. This represents an increase of 11.5% from the prior year.
EBITDA
N/A
Net Income
$22.7M
YoY-63.7%
10Y CAGR+8.2%
Equity Bancshare reported $22.7M in net income in fiscal year 2025. This represents a decrease of 63.7% from the prior year.
EPS (Diluted)
$1.23
YoY-69.3%
10Y CAGR-2.2%
Equity Bancshare earned $1.23 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 69.3% from the prior year.
Cash & Balance Sheet
Free Cash Flow
$38.1M
YoY-41.7%
5Y CAGR+2.3%
10Y CAGR+17.1%
Equity Bancshare generated $38.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 41.7% from the prior year.
Cash & Debt
N/A
Dividends Per Share
$0.66
YoY+22.2%
Equity Bancshare paid $0.66 per share in dividends in fiscal year 2025. This represents an increase of 22.2% from the prior year.
Shares Outstanding
N/A
Margins & Returns
Gross Margin
N/A
Operating Margin
N/A
Net Margin
6.9%
YoY-14.2pp
5Y CAGR+55.1pp
10Y CAGR-12.6pp
Equity Bancshare's net profit margin was 6.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 14.2 percentage points from the prior year.
Return on Equity
3.1%
YoY-7.5pp
5Y CAGR+21.5pp
10Y CAGR-3.1pp
Equity Bancshare's ROE was 3.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 7.5 percentage points from the prior year.
Capital Allocation
R&D Spending
N/A
Share Buybacks
$14.0M
YoY+17.9%
5Y CAGR-6.3%
Equity Bancshare spent $14.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 17.9% from the prior year.
Capital Expenditures
$13.3M
YoY+56.0%
5Y CAGR+6.8%
10Y CAGR+8.7%
Equity Bancshare invested $13.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 56.0% from the prior year.
Equity Bancshare (EQBK) reported $330.8M in total revenue for fiscal year 2025. This represents a 11.5% 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 Bancshare's revenue growing?
Equity Bancshare (EQBK) revenue grew by 11.5% year-over-year, from $296.8M to $330.8M in fiscal year 2025.
Is Equity Bancshare profitable?
Yes, Equity Bancshare (EQBK) reported a net income of $22.7M in fiscal year 2025, with a net profit margin of 6.9%.
What is Equity Bancshare's earnings per share (EPS)?
Equity Bancshare (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.
What is Equity Bancshare's net profit margin?
Equity Bancshare (EQBK) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Equity Bancshare pay dividends?
Yes, Equity Bancshare (EQBK) paid $0.66 per share in dividends during fiscal year 2025.
What is Equity Bancshare's return on equity (ROE)?
Equity Bancshare (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 Bancshare's free cash flow?
Equity Bancshare (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 Bancshare's operating cash flow?
Equity Bancshare (EQBK) generated $51.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Equity Bancshare's total assets?
Equity Bancshare (EQBK) had $6.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Equity Bancshare's capital expenditures?
Equity Bancshare (EQBK) invested $13.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Equity Bancshare buy back shares?
Yes, Equity Bancshare (EQBK) spent $14.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
What is Equity Bancshare's debt-to-equity ratio?
Equity Bancshare (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 Bancshare's return on assets (ROA)?
Equity Bancshare (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 Bancshare's Piotroski F-Score?
Equity Bancshare (EQBK) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Equity Bancshare's earnings high quality?
Equity Bancshare (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 Bancshare?
Equity Bancshare (EQBK) scores 53 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.
