Equity Bancshares, Inc. (EQBK)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$50.97-0.06%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · EQBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -4.7% |
| Our one-year growth estimate | diamond | -7.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 2.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers
EQBK — dividend update
Dated 2026-05-21
Other Events. On May 20, 2026, the Board of Directors of Equity Bancshares, Inc. declared a quarterly cash dividend in the amount of $0.18 per share of common stock. The dividend will be payable on July 15, 2026, to the stockholders of record as of the close of business on June 30, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Equity Bancsh…
Why it matters: A higher payout ratio may mean less money kept for growth. This affects future investments.
Worry ifDividend payout ratio reported above 20% in Q3.
Less concerning ifDividend payout ratio remains below 15% in Q3.
Why it matters: More charge-offs mean worse asset quality. This could hurt future earnings.
Worry ifNet charge-offs reported above $2 million for Q3 2026.
Less concerning ifNet charge-offs remain below $1.5 million for Q3 2026.
Why it matters: If it goes above this level, it could mean worse credit quality after the Frontier merger.
Worry ifNonperforming assets were over 1.0% of total assets for Q3 2026.
Less concerning ifNonperforming assets stayed below 0.9% of total assets for Q3 2026.
Why it matters: Completing the buyback shows a promise to give value back to shareholders.
Supportive ifTotal shares bought back reached 1 million.
Worry ifTotal shares bought back is still below 1 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$52 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $201 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,243 loss on $10,000 · 12.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend shows good money management. It also shows care for shareholders.
Supportive ifDividend announced at $0.18 per share for Q3 2026.
Worry ifDividend cut below $0.18 per share for Q3 2026.
Why it matters: A net income above this level would show strong earnings momentum post-merger.
Supportive ifNet income reported for Q3 exceeds $26.4 million.
Worry ifNet income reported for Q3 is below $26.4 million.
Why it matters: This merger is key for growth. Its completion could boost revenue and market position.
Supportive ifThe merger is complete. The expected revenue impact is now clear.
Worry ifFurther delays or lack of clarity on the merger's status.
Why it matters: Positive operating income means the company is keeping costs low. This helps investor confidence.
Supportive ifQ2 operating income was more than $18 million.
Worry ifQ2 operating income was less than $18 million.
Why it matters: If it drops below this level, it shows problems keeping profits after the merger.
Worry ifNet interest margin reported below 4.25% for Q3 2026.
Less concerning ifNet interest margin remains above 4.35% for Q3 2026.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This affects overall performance.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth remains at or above the median of 15% year over year.
Why it matters: Completing the buyback could show good money management. It also shows care for shareholders.
Supportive ifThe company completes the repurchase of 1,000,000 shares by the end of 2026.
Worry ifThe company stops the share buyback program before reaching the goal.
Why it matters: If it falls below this level, it may show trouble keeping profit after the merger.
Worry ifOperating income was below $22 million for Q3 2026.
Less concerning ifOperating income remains at or above $22 million for Q3 2026.
Why it matters: A lower efficiency ratio means better cost management. It shows more profit after the merger.
Supportive ifThe efficiency ratio is below 53%. This means the company is working better.
Worry ifEfficiency ratio stays above 56%. This shows there are integration problems.
Why it matters: This merger will expand Equity's presence in Iowa and add significant assets. Success here could boost growth and earnings.
Supportive ifThe merger will close in Q4 2026 as planned. Regulatory approvals are in place.
Worry ifThe merger may face delays. It might not get the needed regulatory approvals.