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EQBK

Equity Bancshares, Inc.

Price Targets & DCF

USD
Current price
50.05
Low 51.00 +1.9%
Consensus 56.20 +12.3%
Median 57.00 +13.9%
High 60.00 +19.9%
  • Current price 50.05 below the range
  • Consensus 56.20
  • Median 57.00
  • Our value (excess return) 58.55

Based on 11 price targets published in the last 12 months from 1 source.

Excess return (Our base case) 58.55 +17.0%

Excess-return model: book value per share (38.12) plus the present value of earnings above today's market cost of equity (9.2%), using analyst consensus earnings for the next 3 years and fading to the company's own long-run profitability (11.6% ROE).

Reverse: the current price implies a sustained return on equity of ~11.0%; the analyst consensus implies 12.0% for next year and the 5-year median is 11.6%.

These figures are point estimates: a small change in growth or in the discount rate moves them materially, so read them as a reference and not as a target.

Our base case values this company on excess returns: book value plus the present value of earnings above the market cost of equity (analyst consensus for the next three years, then fading to the company's own long-run profitability). Cash-flow DCF is structurally ill-suited to balance-sheet businesses, so it is not used here.

Quality scores

as of 11 Sep 2026
Altman Z-Score
-0.48
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B-
3M ago: B- =1Y ago: B+ ▼
Overall Score
3 / 5
Medium
3M ago: 3/5 =1Y ago: 3/5 =
DCF Score
5 / 5
High
3M ago: 5/5 =1Y ago: 5/5 =
ROE Score
2 / 5
Medium
3M ago: 2/5 =1Y ago: 3/5 ▼
ROA Score
2 / 5
Medium
3M ago: 2/5 =1Y ago: 3/5 ▼
D/E Score
2 / 5
Moderate leverage
3M ago: 2/5 =1Y ago: 2/5 =
P/E Score
1 / 5
Low
3M ago: 1/5 =1Y ago: 3/5 ▼
P/Book Score
3 / 5
Medium
3M ago: 3/5 =1Y ago: 2/5 ▲
Where the Composite Rating stands
  • Composite Rating B- — better than 45% of the market (38,509 rated companies)
  • Better than 18% of its industry (Banks - Regional, 1,114 rated companies)
  • Industry median Overall Score: 3/5 (this company: 3/5)
SS-A+AA-B+BB-C+CC-D+

All rated companies (38,509)

SS-A+AA-B+BB-C+CC-D+

Banks - Regional (1,114 rated companies)

Altman Z-Score breakdown
  • Working capital / Assets -0.586 × 1.2 -0.70
  • Retained earnings / Assets 0.031 × 1.4 +0.04
  • EBIT / Assets 0.012 × 3.3 +0.04
  • Market cap / Liabilities 0.149 × 0.6 +0.09
  • Revenue / Assets 0.049 × 1.0 +0.05

Total Z-Score: -0.48

Operational MOAT
Score breakdown Annual 0/3
  • Revenue growth
    -3.8% Q2'26: +41.4% (vs Q2'25)
  • EPS growth
    -69.3% Q2'26: +47.7% (vs Q2'25)
  • FCF margin
    Q2'26: +36.8% (vs Q2'25)
  • EBIT margin
    Q2'26: +29.1% (vs Q2'25)
  • ROIC
    Q2'26: -24.7% (vs Q2'25)
  • Share dilution
    +22.5% Q2'26: +8.8% (vs Q2'25)
  • Debt / EBITDA
    Q2'26: 3.66× (vs Q2'25)

Valuation Multiples

From To
as of 7 Sep 2026

Price Forecast (3Y)

From To as of 11 Sep 2026
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)

Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.77) × ERP
WACC = 68% × Ke + 32% × Kd (23.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): USD 58.55 Current price: USD 50.05
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

The sliders start from our base case, built on the latest reported accounts and today's market conditions. Move them to test your own assumptions: the value per share above is only as good as the assumptions behind it.

Heads-up: this tool discounts operating cash flow, which does not measure what a bank, an insurer or a REIT is worth — their value sits in the balance sheet or in funds from operations. The base-case row in the panel above uses the model that does fit this industry; treat these sliders as an exercise, not as a valuation of this company.

Consensus Estimates

USD as of 31 Dec 2025
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
3 Rev. Ana.
3 EPS Ana.
Dec 2027
4 Rev. Ana.
5 EPS Ana.
Dec 2028
4 Rev. Ana.
4 EPS Ana.
Revenue
61.29M
est: 55.60M (+10.2%)
70.99M
est: 62.80M (+13.0%)
115.88M
est: 99.77M (+16.2%)
178.92M
est: 145.20M (+23.2%)
197.93M
est: 149.24M (+32.6%)
177.04M
est: 152.91M (+15.8%)
186.81M
est: 173.50M (+7.7%)
220.29M
est: 199.23M (+10.6%)
224.68M
est: 193.71M (+16.0%)
326.51M
est: 221.12M (+47.7%)
314.26M
est: 264.59M (+18.8%)
341.03M
340.78M – 341.29M
+28.9% YoY
417.19M
415.69M – 418.69M
+22.3% YoY
428.42M
416.50M – 437.40M
+2.7% YoY
EBITDA
16.39M
est: 35.69M (-54.1%)
16.05M
est: 13.55M (+18.5%)
34.59M
est: 28.42M (+21.7%)
51.80M
est: 54.06M (-4.2%)
40.27M
est: 30.05M (+34.0%)
-66.33M
est: -1.28B (+94.8%)
73.34M
est: 58.74M (+24.9%)
79.65M
est: 56.83M (+40.1%)
11.05M
est: 20.07M (-44.9%)
88.54M
est: 96.36M (-8.1%)
84.83M
est: 32.32M (+162.5%)
110.68M
110.18M – 111.17M
+242.5% YoY
131.22M
129.57M – 132.86M
+18.6% YoY
142.66M
135.92M – 149.40M
+8.7% YoY
EBIT
14.44M
est: 33.74M (-57.2%)
13.87M
est: 11.37M (+22.0%)
31.03M
est: 24.86M (+24.8%)
46.18M
est: 48.44M (-4.7%)
32.86M
est: 22.64M (+45.1%)
-74.57M
est: -1.29B (+94.2%)
64.44M
est: 49.83M (+29.3%)
70.28M
est: 47.46M (+48.1%)
2.42M
est: 11.43M (-78.9%)
78.28M
est: 86.10M (-9.1%)
77.07M
est: 24.55M (+213.9%)
101.97M
101.48M – 102.46M
+315.3% YoY
121.19M
119.55M – 122.84M
+18.9% YoY
131.50M
124.76M – 138.24M
+8.5% YoY
Net Income
10.30M
est: 29.00M (-64.5%)
9.37M
est: 9.77M (-4.0%)
20.65M
est: 21.36M (-3.3%)
35.83M
est: 41.63M (-13.9%)
25.58M
est: 19.45M (+31.5%)
-74.97M
est: -1.29B (+94.2%)
52.48M
est: 42.82M (+22.6%)
57.69M
est: 40.79M (+41.4%)
7.82M
est: 9.83M (-20.4%)
62.62M
est: 73.99M (-15.4%)
22.73M
est: 21.10M (+7.7%)
87.63M
87.20M – 88.05M
+315.3% YoY
104.15M
102.73M – 105.56M
+18.9% YoY
113.00M
107.21M – 118.79M
+8.5% YoY
SG&A
25.54M
est: 15.71M (+62.5%)
29.40M
est: 33.22M (-11.5%)
44.06M
est: 45.30M (-2.7%)
63.61M
est: 74.72M (-14.9%)
69.98M
est: 88.99M (-21.4%)
58.72M
est: 43.21M (+35.9%)
59.23M
est: 62.41M (-5.1%)
68.19M
est: 65.14M (+4.7%)
72.00M
est: 71.66M (+0.5%)
80.64M
est: 62.49M (+29.0%)
68.82M
est: 74.78M (-8.0%)
96.38M
96.31M – 96.45M
+28.9% YoY
117.90M
117.48M – 118.33M
+22.3% YoY
121.08M
117.71M – 123.61M
+2.7% YoY
EPS
1.55
est: 1.51 (+2.6%)
1.09
est: 1.12 (-3.0%)
1.66
est: 1.82 (-8.8%)
2.33
est: 2.37 (-1.7%)
1.64
est: 1.58 (+4.0%)
-4.97
est: -3.63 (-37.1%)
3.49
est: 3.43 (+1.7%)
3.56
est: 3.58 (-0.6%)
0.50
est: 0.43 (+16.8%)
4.04
est: 3.86 (+4.7%)
1.24
est: 1.10 (+12.7%)
4.56
4.54 – 4.59
+314.4% YoY
5.41
5.35 – 5.50
+18.6% YoY
5.99
5.58 – 6.19
+10.7% YoY

Revenue flow

as of 30 Jun 2026

Revenue by geography

No recent geographic revenue data on file.

Revenue by segment

From To
as of 30 Jun 2026

Revenue composition

From To
as of 30 Jun 2026

By product

By geography

Analyst Consensus (7 analysts)

Buy No rating changes in 90 days as of 1 Sep 2026
Where the consensus stands
  • More bullish than 35% of its industry · median 60% Buy (Banks - Regional, 446 companies · median 7 houses)
  • More bullish than 22% of the market · median 71% Buy (9,445 companies · median 8 houses)
  • Buy for 12 consecutive months (since Oct 2025) · last change: Hold → Buy, Oct 2025

Ratings Trend (MoM)

43% Bullish as of 1 Sep 2026
Rating Sep 2026 Change
Strong Buy 1 0
Buy 2 0
Hold 4 0
Sell 0 0
Strong Sell 0 0

Price Target Summary

USD
  1. All time 49.94 17 targets
  2. +9.2%
  3. 1Y 54.55 11 targets
  4. +3.0%
  5. 1Q 56.20 5 targets
  6. +1.4%
  7. 1M 57.00 2 targets
Period # Targets Avg Target
Last Month 2
57.00
+13.9%
Last Quarter 5
56.20
+12.3%
Last Year 11
54.55
+9.0%
All Time 17
49.94
-0.2%

Sources: StreetInsider

Price Target History

as of 8 Sep 2026

Analyst Ratings Over Time

as of 1 Sep 2026

Analyst revisions

USD as of 8 Sep 2026
Date Firm Target Then vs today
8 Sep 2026 Piper Sandler 60.00 50.97 +19.9%
Equity Bancshares price target raised to $60 from $58 at Piper Sandler
4 Sep 2026 D.A. Davidson 54.00 51.71 +7.9%
Equity Bancshares price target raised to $54 from $51 at DA Davidson
16 Jul 2026 Stephens
Terry McEvoy
59.00 49.20 +17.9%
Equity Bancshares price target raised to $59 from $58 at Stephens
24 Jun 2026 Benchmark Co. 57.00 47.80 +13.9%
Equity Bancshares initiated with a Buy at Benchmark
22 Jun 2026 D.A. Davidson
Jeff Rulis
51.00 46.85 +1.9%
Equity Bancshares (EQBK) PT Raised to $51 at DA Davidson
10 Jun 2026 Hovde Group 51.00 47.56 +1.9%
Equity Bancshares initiated with a Market Perform at Hovde Group
16 Apr 2026 Piper Sandler 58.00 45.07 +15.9%
Equity Bancshares price target raised to $58 from $57 at Piper Sandler
16 Apr 2026 D.A. Davidson
Jeff Rulis
47.00 45.10 -6.1%
Equity Bancshares price target lowered to $47 from $48 at DA Davidson
23 Jan 2026 D.A. Davidson 52.00 47.20 +3.9%
Equity Bancshares price target raised to $52 from $50 at DA Davidson
12 Jan 2026 Piper Sandler 57.00 45.74 +13.9%
Equity Bancshares price target raised to $57 from $56 at Piper Sandler
8 Oct 2025 Piper Sandler 54.00 40.48 +7.9%
Equity Bancshares assumed with an Overweight at Piper Sandler
16 Oct 2024 D.A. Davidson
Jeff Rulis
45.00 44.34 -10.1%
Equity Bancshares (EQBK) PT Raised to $45 at DA Davidson
14 Oct 2024 Stephens
Terry McEvoy
46.00 41.96 -8.1%
Stephens Upgrades Equity Bancshares (EQBK) to Overweight
18 Jul 2024 Stephens
Terry McEvoy
45.00 40.66 -10.1%
Equity Bancshares price target raised to $45 from $39 at Stephens
13 Jun 2024 Piper Sandler
Andrew Liesch
40.00 33.64 -20.1%
Equity Bancshares (EQBK) PT Raised to $40 at Piper Sandler
23 Apr 2024 Piper Sandler
Andrew Liesch
38.00 32.91 -24.1%
Equity Bancshares (EQBK) PT Raised to $38 at Piper Sandler
17 Apr 2024 D.A. Davidson
Jeff Rulis
35.00 31.80 -30.1%
Equity Bancshares (EQBK) PT Lowered to $35 at DA Davidson

Analyst Rating Actions

USD
as of 8 Sep 2026

29 rating actions on record in the last five years

Date Firm Previous New Grade Action Then Headline
8 Sep 2026 Piper Sandler Overweight Overweight Maintain 50.97 Equity Bancshares price target raised to $60 from $58 at Piper Sandler
4 Sep 2026 StoneX Buy Buy Maintain
4 Sep 2026 DA Davidson Neutral Neutral Maintain
16 Jul 2026 Stephens & Co. Overweight Overweight Maintain
22 Jun 2026 DA Davidson Neutral Neutral Maintain
16 Apr 2026 Piper Sandler Overweight Overweight Maintain 45.34 Equity Bancshares price target raised to $58 from $57 at Piper Sandler
16 Apr 2026 DA Davidson Neutral Neutral Maintain
23 Jan 2026 Keefe, Bruyette & Woods Market Perform Market Perform Maintain
23 Jan 2026 DA Davidson Neutral Neutral Maintain
12 Jan 2026 Piper Sandler Overweight Overweight Maintain 45.74 Equity Bancshares price target raised to $57 from $56 at Piper Sandler
16 Oct 2025 DA Davidson Neutral Neutral Maintain
4 Sep 2025 Keefe, Bruyette & Woods Market Perform Market Perform Maintain
3 Sep 2025 DA Davidson Neutral Neutral Maintain
16 Jul 2025 Keefe, Bruyette & Woods Market Perform Market Perform Maintain
16 Jul 2025 DA Davidson Neutral Neutral Maintain
17 Apr 2025 Piper Sandler Overweight Overweight Maintain
17 Apr 2025 DA Davidson Neutral Neutral Maintain
7 Apr 2025 Keefe, Bruyette & Woods Market Perform Market Perform Maintain
24 Jan 2025 Stephens & Co. Overweight Overweight Maintain
23 Jan 2025 DA Davidson Neutral Neutral Maintain
4 Dec 2024 Keefe, Bruyette & Woods Market Perform Market Perform Maintain
17 Oct 2024 DA Davidson Neutral Neutral Maintain
18 Jul 2024 Stephens & Co. Equal Weight Equal Weight Maintain
18 Jul 2024 Keefe, Bruyette & Woods Market Perform Market Perform Maintain
13 Jun 2024 Piper Sandler Overweight Overweight Maintain 33.64 Equity Bancshares price target raised to $40 from $38 at Piper Sandler
23 Apr 2024 Piper Sandler Overweight Overweight Maintain 32.91 Equity Bancshares (EQBK) PT Raised to $38 at Piper Sandler
7 Dec 2023 DA Davidson Neutral Neutral Maintain
7 Aug 2023 Stephens & Co. Overweight Equal Weight Downgrade
17 Jun 2022 Piper Sandler Overweight Overweight Maintain 30.85 Piper Sandler Maintains Overweight Rating for Equity Bancshares: Here's What You Need To Know

Who Covers This Company (5 houses)

as of 8 Sep 2026

5 houses active1 started in the last 12 months

House Rating 12M ago Change Since
Piper Sandler Overweight Overweight = 8 Sep 2026
StoneX Buy 4 Sep 2026
Stephens & Co. Overweight Overweight = 16 Jul 2026
DA Davidson Neutral Neutral = 4 Sep 2026
Keefe, Bruyette & Woods Market Perform Market Perform = 23 Jan 2026

Ratings History

as of 11 Sep 2026
Time at A or better: 56% over 5Y · 64% over 10Y Current rating B- since 28 Apr 2026 (136 days)

Rating changes

as of 11 Sep 2026

94 moves on record since 202031 in the last year

Date Rating Overall What moved
12 Aug 2026 B- 23/5 DCF 4→5
6 Aug 2026 B- 32/5 DCF 5→4
5 Aug 2026 B- 23/5 DCF 4→5
30 Jul 2026 B- 32/5 DCF 5→4
18 May 2026 B- 23/5 DCF 4→5
4 May 2026 B- 32/5 ROA 3→2
28 Apr 2026 BB- 3/5 DCF 5→4
22 Apr 2026 B 3/5 ROA 4→3
15 Apr 2026 B-B 23/5 D/E 1→2P/B 1→3
14 Apr 2026 BB- 32/5 D/E 2→1P/B 3→1
1 Apr 2026 B-B 23/5 ROA 2→4P/B 2→3
18 Mar 2026 C+B- 2/5 DCF 4→5
17 Mar 2026 B-C+ 2/5 DCF 5→4
16 Mar 2026 C+B- 2/5 DCF 4→5
26 Feb 2026 B-C+ 2/5 DCF 5→4
25 Feb 2026 C+B- 2/5 DCF 4→5
26 Jan 2026 C+ 2/5 DCF 5→4P/B 1→2
23 Jan 2026 B-C+ 32/5 P/B 3→1
2 Jan 2026 B- 3/5 ROA 3→2P/B 2→3
12 Dec 2025 BB- 3/5 P/B 3→2
4 Dec 2025 B-B 23/5 D/E 1→2P/B 2→3
17 Nov 2025 B- 32/5 P/B 3→2
14 Nov 2025 BB- 3/5 D/E 2→1
3 Nov 2025 C+B 23/5 D/E 1→2P/B 1→3
30 Oct 2025 B-C+ 2/5 ROA 2→3D/E 2→1P/B 2→1
29 Oct 2025 C+B- 2/5 ROA 3→2D/E 1→2P/B 1→2
24 Oct 2025 B-C+ 2/5 ROA 4→3
15 Oct 2025 AB- 42/5 ROE 4→2ROA 5→4D/E 2→1P/E 3→1P/B 3→1
6 Oct 2025 A-A 4/5 D/E 1→2
1 Oct 2025 B+A- 34/5 ROE 3→4ROA 3→5D/E 2→1
26 Sep 2025 B+ 3/5 P/B 2→3
10 Sep 2025 BB+ 3/5 P/E 2→3
4 Sep 2025 B+B 3/5 P/E 3→2
28 Aug 2025 BB+ 3/5 P/E 2→3
20 Aug 2025 B+B 3/5 P/E 3→2P/B 3→2
14 Aug 2025 B+ 3/5 P/B 2→3
6 Aug 2025 B-B+ 3/5 ROE 4→3D/E 1→2P/E 1→3P/B 1→2
15 Jul 2025 B+B- 3/5 ROE 3→4D/E 2→1P/E 3→1P/B 3→1
1 Jul 2025 B+ 3/5 ROA 4→3P/B 2→3
16 Jun 2025 B+ 3/5 P/E 2→3
30 May 2025 B+ 3/5 ROE 4→3
28 May 2025 B+ 3/5 ROA 3→4P/E 3→2
27 May 2025 B+ 3/5 ROA 4→3P/E 2→3
16 May 2025 A-B+ 43/5 P/E 3→2
14 May 2025 B+A- 34/5 ROE 3→4
8 May 2025 A-B+ 43/5 ROE 4→3
2 May 2025 A- 4/5 P/B 3→2
1 May 2025 A- 4/5 P/B 2→3
30 Apr 2025 A- 4/5 P/B 3→2
28 Apr 2025 A- 4/5 P/B 2→3
1 Apr 2025 BA- 34/5 ROE 3→4ROA 3→4P/E 2→3
17 Mar 2025 B 3/5 DCF 4→5
11 Mar 2025 B-B 23/5 DCF 3→4D/E 1→2
30 Jan 2025 B- 32/5 DCF 4→3
23 Jan 2025 BB- 3/5 ROE 4→3D/E 2→1
6 Jan 2025 A-B 43/5 DCF 5→4ROA 4→3P/E 3→2
3 Jan 2025 BA- 34/5 DCF 4→5ROA 3→4P/E 2→3
2 Jan 2025 B+B 3/5 DCF 3→4ROA 4→3P/E 3→2
4 Nov 2024 B+ 3/5 ROE 5→4
28 Oct 2024 B+ 3/5 ROE 4→5
22 Oct 2024 B+ 3/5 DCF 4→3D/E 1→2
15 Oct 2024 BB+ 3/5 ROA 3→4D/E 2→1P/E 2→3
1 Oct 2024 B-B 3/5 DCF 3→4ROE 3→4
26 Jul 2024 BB- 3/5 D/E 1→2P/E 3→2P/B 4→2
22 Jul 2024 B+B 3/5 DCF 4→3D/E 2→1
18 Jul 2024 B+ 3/5 D/E 1→2
17 Jul 2024 A-B+ 43/5 D/E 4→1
1 Jul 2024 A- 4/5 DCF 3→4ROE 4→3D/E 3→4
12 Jun 2024 A- 4/5 P/E 4→3
22 May 2024 A- 4/5 P/E 3→4
16 May 2024 B+A- 34/5 D/E 2→3
6 May 2024 A-B+ 43/5 ROA 4→3
24 Apr 2024 AA- 4/5 D/E 3→2P/E 4→3
22 Apr 2024 A 4/5 DCF 4→3D/E 2→3
19 Apr 2024 A+A 4/5 P/E 5→4P/B 5→4
17 Apr 2024 BA+ 34/5 ROE 1→4ROA 2→4D/E 3→2P/E 2→5P/B 4→5
16 Apr 2024 B 3/5 D/E 4→3
2 Apr 2024 B 3/5 DCF 3→4
1 Apr 2024 B 3/5 DCF 4→3P/E 1→2P/B 5→4
14 Mar 2024 B+B 3/5 DCF 5→4ROE 2→1D/E 2→4P/E 4→1P/B 4→5
26 Feb 2024 S-B+ 53/5 ROE 4→2ROA 4→2D/E 4→2P/E 5→4P/B 5→4
19 Jan 2024 S- 5/5 ROE 3→4ROA 3→4D/E 5→4
9 Mar 2023 A+S- 5/5 P/E 4→5
8 Aug 2022 S-A+ 5/5 P/E 5→4
6 May 2022 A+S- 5/5 P/E 4→5
5 May 2022 S-A+ 5/5 P/E 5→4
8 Nov 2021 A+S- 5/5 P/E 4→5
25 Aug 2021 A+ 45/5 P/B 4→5
7 May 2021 A+ 54/5 P/B 5→4
6 May 2021 A+ 45/5 P/B 4→5
1 Apr 2021 A+ 54/5 P/E 5→4
9 Mar 2021 A-A+ 45/5 ROE 2→3P/E 2→5
29 Oct 2020 A+A- 54/5 ROE 3→2P/E 5→2
11 Sep 2020 A+ 45/5 P/B 3→4

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