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Equity Bancshares Inc (EQBK)
NYSE:EQBK
Earnings Data
Report Date
Apr 21, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.04Last Year’s EPS
0.85Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized significant strategic progress (two large transactions closed, substantial balance sheet growth, improved capital ratios, buybacks, and credit trends improving) while acknowledging notable near-term execution and expense integration tasks (Frontier-related expense and anticipated margin dilution), litigation accruals, and competitive pressures on pricing and deposits. Given the strong underlying results, capital position and forward guidance (> $5/sh goal) that materially outweigh the manageable integration and margin headwinds, the overall tone is constructive and confidence-driven.Company Guidance
Large Balance Sheet Growth via M&A
Assets increased from $5.3B to $6.4B in 2025, and the Frontier acquisition added ~$1.4B, described by management as nearly 50% growth year-over-year; expansion provides scale and market footprint in 6 states and 5 major metros.
Beating Expectations and Strong EPS Guidance
Reported net income of $22.1M ($1.15 diluted EPS); adjusted earnings $23.3M ($1.21) vs. adjusted $22.4M ($1.17) prior quarter. Management targets >$5.00 per share in 2026.
Improved Capital and Liquidity Metrics
Tangible common equity (TCE) rose to 9.9% (up 23 bps quarter-over-quarter); CET1 at 13.1% and total capital at 16.3%; bank-level TCE 10.3% — provides capacity for buybacks, organic growth and M&A.
Loan Production and Pipeline Strength
Quarterly loan production of $220M (down Q/Q but up $100M YoY) with originations at an average rate of 6.77%. 75% pipeline stands at $452M and line utilization ~54%, positioning the bank for mid-single-digit organic loan growth in 2026.
Net Interest Income and Margin Performance
Net interest income $63.5M, up $1.0M linked quarter; reported margin improved to 4.47% (up 2 bps Q/Q). Management expects 2026 margin of 4.20%–4.35% (Q1 ~4.25%) and notes Frontier is accretive to NII.
Asset Quality Trajectory
Nonaccrual loans declined to $40.3M from $48.6M (a 17% reduction Q/Q); loans past due + nonaccrual fell to 1.53% from 1.55% Q/Q; annualized net charge-offs 7 bps for the quarter (down 4 bps Q/Q), YTD annualized 6 bps.
Active Capital Return
Share repurchases executed: 172,338 shares at a weighted average cost of $41.69 during the quarter, with 872,662 shares remaining under Board authorization; management reiterated buyback discipline alongside M&A.
Funding Cost Improvements and Bond Repositioning
Cost of deposits declined ~10 bps and overall cost of funding down ~12 bps Q/Q as bond portfolio repositioning effects were realized, contributing to margin and NII outperformance vs. midpoint expectations.
EQBK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EQBK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2026 | $48.90 | $45.18 | -7.61% |
Oct 14, 2025 | $42.27 | $41.49 | -1.85% |
Jul 14, 2025 | $43.87 | $40.96 | -6.63% |
Apr 15, 2025 | $35.67 | $36.12 | +1.25% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Equity Bancshares Inc (EQBK) report earnings?
Equity Bancshares Inc (EQBK) is schdueled to report earning on Apr 21, 2026, After Close (Confirmed).
What is Equity Bancshares Inc (EQBK) earnings time?
Equity Bancshares Inc (EQBK) earnings time is at Apr 21, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EQBK EPS forecast?
EQBK EPS forecast for the fiscal quarter 2026 (Q1) is 1.04.