The earnings call reflected a generally positive outlook with strong financial performance, successful merger activities, and strategic expansion into new markets. However, challenges such as increased nonaccrual loans and a decline in deposits were noted. Despite these issues, the positive highlights, including improved margins and financial metrics, suggest a favorable trajectory.

Company Guidance -

Q3 2025

During the Equity Bancshares, Inc. 2025 Q2 earnings call, the company provided several metrics that highlighted its financial performance and strategic initiatives. Net income was reported at $15.3 million, or 86¢ per diluted share, with adjusted earnings at $16.6 million, or 94¢ per diluted share, after accounting for merger and acquisition (M&A) and debt extinguishment costs. The company achieved a net interest income of $49.8 million, showing an increase of $1.8 million quarter-over-quarter when adjusted for nonaccrual benefits from the previous period. The core margin improved by 10 basis points to 4.17%. Noninterest income rose to $8.6 million, and noninterest expenses, excluding certain charges, were $38.3 million. The tangible common equity (TCE) ratio closed at 10.63%, with a tangible book value per share of $32.17, marking significant growth compared to the previous year. The bank successfully closed its merger with MVC Bank and aims to leverage this, along with its robust pipeline and strategic focus on both organic growth and M&A, to maintain momentum in the latter half of 2025.

Successful Merger with MVC Bank

Closed merger with MVC Bank on July 2nd, within sixty days of announcement, showcasing the company's efficiency in handling M&A transactions.

Strong Financial Performance

Net income of $15.3 million or 86¢ per diluted share; Adjusted earnings were $16.6 million or 94¢ per diluted share. Net interest income was $49.8 million, up $1.8 million linked quarter.

Increase in Loan Balances

Loan balances year-to-date increased by $100 million, while deposits, excluding seasonal public funds, remained stable.

Improved Tangible Common Equity Ratio

TCE ratio increased to 10.63%, up 41% compared to the second quarter of 2024.

Expansion into Oklahoma Market

With the merger with MVC Bank, Equity Bancshares expanded its presence in Oklahoma, adding Oklahoma City, a growing metro market.

Improved Margin

Margin for the quarter was 4.17%, an improvement of 10 basis points compared to the core margin of 4.07% linked quarter.

Equity Bancshares (EQBK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

EQBK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 21, 2025	2025 (Q3)	0.91 / -	1.28	―	―	―
Jul 14, 2025	2025 (Q2)	0.89 / 0.86	0.76	13.16% (+0.10)
Apr 15, 2025	2025 (Q1)	0.83 / 0.85	0.9	-5.56% (-0.05)
Jan 22, 2025	2024 (Q4)	0.91 / 1.04	-1.84	156.52% (+2.88)
Oct 15, 2024	2024 (Q3)	0.99 / 1.28	0.8	60.00% (+0.48)
Jul 16, 2024	2024 (Q2)	0.92 / 0.76	0.74	2.70% (+0.02)
Apr 16, 2024	2024 (Q1)	0.85 / 0.90	0.77	16.88% (+0.13)
Jan 24, 2024	2023 (Q4)	-1.88 / -1.84	0.72	-355.56% (-2.56)
Oct 17, 2023	2023 (Q3)	0.73 / 0.80	0.93	-13.98% (-0.13)
Jul 18, 2023	2023 (Q2)	0.69 / 0.74	0.94	-21.28% (-0.20)

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
Jul 14, 2025	$44.06	$41.14	-6.63%
Apr 15, 2025	$35.83	$36.28	+1.26%
Jan 22, 2025	$42.28	$43.03	+1.77%
Oct 15, 2024	$42.96	$43.86	+2.09%

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 Oct 21, 2025, After Close (Confirmed).

What is Equity Bancshares Inc (EQBK) earnings time?

Equity Bancshares Inc (EQBK) earnings time is at Oct 21, 2025, 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 2025 (Q3) is 0.91.

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