Equity Bancshares Inc (EQBK)
NYSE:EQBK
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Earnings Data
Report Date
Jul 21, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.2Last Year’s EPS
0.86Same Quarter Last Year
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong positive momentum driven by acquisitions, sizable asset and deposit growth, robust loan production, solid adjusted earnings and return metrics, and successful integration milestones (on-time core conversion and cost-savings beginning to realize). Key near-term challenges center on integration-related expense increases, acquisition-driven margin pressure and higher-cost funding, and a rise in nonperforming/nonaccrual balances largely attributable to acquired portfolios and short-term conversion/renewal issues that management expects to resolve. On balance, the positives (scale, revenue, adjusted profitability, capital strength and a clear plan to reprice funding and extract cost savings) outweigh the manageable near-term headwinds.Company Guidance
Acquisitions and Asset Growth
Frontier acquisition drove a ~20% increase in assets and contributed to record quarterly revenue; combined with another transaction, the asset base is >40% larger year-over-year (vs March 2025).
Adjusted Earnings and EPS Improvement
GAAP net income was $17.0M ($0.80 diluted); adjusted (ex‑noncore) net income was $26.2M or $1.23 per diluted share (up from $23.3M / $1.21 prior quarter). Adjusted earnings on tangible common equity were $27.7M versus $24.3M prior quarter.
Strong Return Metrics
Adjusted return on average tangible common equity (ROATCE) was 16.1% for the quarter, a healthy profitability metric for the franchise.
Net Interest Income and Margin Outlook
Net interest income was $73.7M, up $10.2M linked quarter. Reported NIM was 4.33% (normalized to 4.29% after adjusting for accretion), and management expects full-year margin in the 4.20%–4.35% range.
Loan Production and Pipeline
Loan production totaled $267M, up 21.7% linked quarter, with originations at an average rate of 6.87% (↑10 bps). The 75% probability pipeline stood at $517M and management expects mid‑single‑digit organic loan growth.
Deposit Growth and Funding
Total deposits increased approximately $1.2B during the quarter; noninterest-bearing accounts represent 20.2% of deposits. Several legacy community markets posted >5% quarter growth and North Central Missouri grew ~7%.
Capital Strength and Share Repurchase Activity
Tangible common equity (TCE) closed at 9%, CET1 at 11.5% and total capital at 14.4%; the company repurchased 500k shares at a weighted average cost of $44.74 and continues to pursue opportunistic buybacks while maintaining capacity for M&A.
Integration and Cost-Save Progress
Frontier core conversion completed on time; technology and people-related cost saves are being realized with full run-rate expected in Q2. Management indicated cost-savings execution is in line with or slightly ahead of a conservative ~23% expectation for the deal.
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 |
|---|---|---|---|
Apr 14, 2026 | $46.51 | $45.34 | -2.52% |
Jan 22, 2026 | $48.70 | $44.99 | -7.61% |
Oct 14, 2025 | $41.93 | $41.15 | -1.85% |
Jul 14, 2025 | $43.51 | $40.63 | -6.63% |
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 Jul 21, 2026, After Close (Confirmed).
What is Equity Bancshares Inc (EQBK) earnings time?
Equity Bancshares Inc (EQBK) earnings time is at Jul 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 (Q2) is 1.2.