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Equitable Financial Corp. (EQFN)

USD18.09 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 113 North Locust Street 68801
Grand Island, NE, US
CEO Thomas E. Gdowski
IPO 2005-11-10
CIK 1635626 ISIN US29448T1051

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Description

Equitable Financial Corp., established in 1882 and headquartered in Grand Island, Nebraska, operates as the parent company for Equitable Bank. This banking institution provides a comprehensive suite of financial products and services to customers across Nebraska, USA. Its offerings encompass a variety of deposit accounts, including checking and savings, alongside modern digital banking conveniences such as online and mobile access, remote deposit capture, and voice banking. The bank also facilitates transactions with debit and gift cards, credit card processing, and check-related services, while providing secure storage options like safe deposit boxes. Equitable Bank extends a wide array of lending solutions, covering residential mortgages, home equity loans, vehicle and personal financing, real estate and construction loans, operating lines of credit, small business administration (SBA) loans, agricultural loans, and equipment financing. Beyond traditional banking, the company provides foreign currency exchange, financial planning, wealth management, investment advisory, and retirement planning services. The company serves its clientele from four branch locations situated in Grand Island, North Platte, and Omaha.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD18.09 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
790
Beta
0.08
Float Shares
3.28M
Free Float %
98.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.66% +0.30% +1.20% +4.02% +8.39% +10.74% +31.25% +48.02% +30.74% +105.88% +83.21%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
18.09
DCF (Unlevered) 7.45 -58.8%
DCF (Levered) 6.81 -62.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.66
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +8.4% Q1'26: +60.0% (vs Q4'24)
  • EPS growth
    +15.7% Q1'26: +6.7% (vs Q4'24)
  • FCF margin
    Q1'26: +0.0% (vs Q4'24)
  • EBIT margin
    Q1'26: +17.6% (vs Q4'24)
  • ROIC
    Q1'26: +7.9% (vs Q4'24)
  • Share dilution
    +9.5% Q1'26: -4.6% (vs Q4'24)
  • Debt / EBITDA
    Q1'26: 1.38× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
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 (0.07) × ERP
WACC = 85% × Ke + 15% × Kd (158.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7.49 Current price: 18.09
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-20 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-05-15 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-08 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-05 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-04-24 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-04-23 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-04-22 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
567.8K
OE per share TTM
0.19
Owner's Yield
1.37%
Maintenance CapEx ratio
59.38%
Maint CapEx / Avg PPE
30.0%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
2.24M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 MALTESE CAPITAL MANAGEMENT LLC 147.5K +— (+0.0%) 2.24M -2.5K (-0.1%) 6.11% +0.252 pp 0.40% +0.058 pp USD8.47 +79.1% 42 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
67.0K
Shares Outstanding
3.32M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2017-10-19 DEF 14A
2016-10-07 DEF 14A
2015-10-09 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2018-09-04 SC 13D/A
2018-08-31 4
2018-08-02 SC 13D/A
2018-07-30 S-8 POS
2018-07-30 S-8 POS
2018-07-30 15-12B
2018-07-20 25
2018-07-11 SC 13D/A
2018-07-10 8-K
2018-05-18 11-K

Executive team

NameTitleCompensationGender
Thomas E. Gdowski President, Chief Executive Officer & Chairman 280.7K male
Alison Larson Senior Vice President of Marketing Director & Investment Operations Mgr. female
Christopher Tracey Vice President of Retail Systems & Operations
Jodi Maruska Chief Financial Officer
ESG Rating
B+
BANKS - REGIONAL
2018
E (Environmental)
65.9 / 64.3
Company / Sector avg.
S (Social)
68.2 / 76.5
Company / Sector avg.
G (Governance)
56.2 / 75.5
Company / Sector avg.
ESG Total
63.4 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend history

Earnings history

Earnings reports

Stock splits