$45.97

+0.21 (+0.46%)

Weekly Expected Move ±2.1%

$42 $43 $44 $45 $46

NYSE · Financial Services · Banks - Regional · Alpha Radar Buy · Power 54 · $948.9M mcap · 17M float · 0.682% daily turnover · Short 32% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

35.5 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: -6.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. EQBK has No discernible competitive edge (35.5/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. Negative ROIC of -6.5% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$47

Low

$52

Avg Target

$58

High

Based on 2 analysts since Apr 14, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$52.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-16	Piper Sandler	—	$57	$58	+1	+28.7%	$45.07
2026-04-16	D.A. Davidson	Jeff Rulis	$52	$47	-5	+4.2%	$45.10
2026-01-23	D.A. Davidson	—	$45	$52	+7	+10.2%	$47.20
2026-01-12	Piper Sandler	—	$54	$57	+3	+24.6%	$45.74
2025-10-08	Piper Sandler	—	$40	$54	+14	+33.4%	$40.48
2024-10-16	D.A. Davidson	Jeff Rulis	$35	$45	+10	+1.5%	$44.34
2024-10-14	Stephens	Terry McEvoy	$45	$46	+1	+9.6%	$41.96
2024-07-18	Stephens	Terry McEvoy	Initiated	$45	—	+10.7%	$40.66
2024-06-13	Piper Sandler	Andrew Liesch	$38	$40	+2	+18.9%	$33.64
2024-04-23	Piper Sandler	Andrew Liesch	Initiated	$38	—	+15.5%	$32.91
2024-04-17	D.A. Davidson	Jeff Rulis	Initiated	$35	—	+10.1%	$31.80

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. EQBK receives an overall rating of B-. Strongest factors: DCF (5/5). Areas of concern: ROE (2/5), ROA (2/5), D/E (2/5), P/E (1/5).

Rating Change History

Date	From	To
2026-04-28	B	B-
2026-04-15	B-	B
2026-04-14	B	B-
2026-04-01	B-	B
2026-03-18	C+	B-
2026-03-17	B-	C+
2026-03-16	C+	B-
2026-03-09	B-	C+
2026-03-09	C+	B-
2026-01-23	B-	C+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 33 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. EQBK scores highest in Earnings Quality (90/100) and lowest in Growth (24/100). An overall grade of A places EQBK among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.97

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✓ ✗ ✗ ✗

Beneish M-Score

-2.31

Unlikely Manipulator

Ohlson O-Score

-5.02

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

BBB-

Score: 51.9/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.84x

Accruals: -0.4%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. EQBK scores 2.97, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. EQBK scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. EQBK's score of -2.31 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. EQBK's implied 0.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. EQBK receives an estimated rating of BBB- (score: 51.9/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). EQBK's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

35.50x

PEG

-0.54x

P/S

2.73x

P/B

1.07x

P/FCF

28.57x

P/OCF

18.77x

EV/EBITDA

-3.93x

EV/Revenue

-0.97x

EV/EBIT

-4.18x

EV/FCF

-11.29x

Earnings Yield

2.89%

FCF Yield

3.50%

Shareholder Yield

5.73%

Graham Number

$33.18

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 35.5x earnings, EQBK commands a growth premium. Graham's intrinsic value formula yields $33.18 per share, 39% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.828

NI / EBT

Interest Burden

0.369

EBT / EBIT

EBIT Margin

0.232

EBIT / Rev

Asset Turnover

0.059

Rev / Assets

Equity Multiplier

8.834

Assets / Equity

ROE

3.7%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. EQBK's ROE of 3.7% is driven by financial leverage (equity multiplier: 8.83x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$10.91

Price/Value

4.07x

Margin of Safety

-307.01%

Premium

307.01%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with EQBK's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. EQBK trades at a 307% premium to its adjusted intrinsic value of $10.91, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 35.5x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$45.79

Median 1Y

$45.95

5th Pctile

$23.68

95th Pctile

$89.16

Ann. Volatility

38.1%

Analyst Target

$52.50

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Brad S. Elliott Chief Executive Officer and Chairman of the Board	$857,995	$663,156	$3,073,975
Richard A. Sems Chief Executive Officer, Equity Bank	$631,330	$335,023	$1,828,773
Gregory H. Kossover Executive Vice President and Director	$366,667	$290,023	$1,029,519
Chris M. Navratil Executive Vice President and Chief Financial Officer	$400,000	$200,036	$1,010,891
Julie A. Huber Executive Vice President and Chief Operating Officer	$387,882	$207,711	$1,008,704

CEO Pay Ratio

41:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,073,975

Avg Employee Cost (SGA/emp): $75,712

Employees: 909

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

909

+12.2% YoY

Revenue / Employee

$345,717

Rev: $314,257,000

Profit / Employee

$25,001

NI: $22,726,000

SGA / Employee

$75,712

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	-10.8%	12.3%	11.6%	11.7%	11.7%	12.5%	12.7%	11.9%	11.1%	10.5%	1.8%	2.2%	2.3%	4.0%	12.0%	12.2%	12.8%	3.4%	3.4%	3.7%	3.72%
ROA	-1.2%	1.4%	1.1%	1.2%	1.2%	1.2%	1.1%	1.1%	1.0%	0.9%	0.2%	0.2%	0.2%	0.3%	1.2%	1.2%	1.3%	0.3%	0.4%	0.4%	0.42%
ROIC	5.1%	-8.9%	-5.6%	-5.7%	-5.7%	-6.1%	-9.7%	-9.1%	-8.5%	-8.0%	-1.7%	-2.1%	-2.2%	-3.9%	-22.3%	-22.6%	-23.9%	-8.2%	-6.1%	-6.5%	-6.54%
ROCE	-7.7%	13.4%	10.5%	10.4%	10.0%	10.6%	10.6%	10.0%	9.4%	8.7%	0.3%	0.7%	1.1%	2.3%	8.5%	8.6%	8.9%	7.7%	1.5%	1.6%	1.56%
Gross Margin	95.6%	90.9%	97.1%	94.3%	90.6%	88.8%	81.6%	74.2%	67.8%	65.5%	-26.0%	67.8%	66.1%	63.6%	69.2%	67.9%	70.2%	-62.0%	72.7%	65.7%	65.69%
Operating Margin	42.5%	30.4%	21.2%	37.8%	32.6%	33.2%	25.2%	23.0%	19.3%	19.5%	-2.0%	22.7%	19.8%	28.8%	24.5%	22.3%	22.4%	-65.5%	26.3%	19.1%	19.12%
Net Margin	32.9%	23.7%	21.3%	30.7%	29.3%	26.7%	19.2%	19.1%	17.1%	16.9%	-1.4%	18.0%	14.2%	24.0%	20.4%	17.8%	18.6%	-62.4%	22.0%	14.4%	14.44%
EBITDA Margin	47.1%	34.7%	26.2%	42.5%	37.3%	37.1%	28.9%	26.4%	22.6%	22.4%	-1.9%	25.7%	23.1%	32.0%	27.7%	25.5%	25.7%	30.7%	27.6%	19.1%	19.12%
FCF Margin	32.5%	43.2%	52.2%	42.5%	47.7%	37.7%	32.0%	33.3%	24.0%	24.5%	26.6%	23.3%	21.3%	20.7%	20.0%	22.5%	25.8%	23.7%	12.3%	8.6%	8.59%
OCF Margin	37.4%	47.3%	55.0%	44.3%	48.9%	38.6%	33.6%	36.5%	27.9%	30.1%	34.0%	29.3%	26.3%	24.7%	22.6%	24.9%	28.6%	27.0%	16.5%	13.1%	13.08%
ROE 3Y Avg	snapshot only																				5.40%
ROE 5Y Avg	snapshot only																				8.01%
ROA 3Y Avg	snapshot only																				0.59%
ROIC Economic	snapshot only																				2.55%
Cash ROA	snapshot only																				0.71%
NOPAT Margin	snapshot only																				8.62%
Pretax Margin	snapshot only																				8.57%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				25.54%
SBC / Revenue	snapshot only																				1.66%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	-8.84	8.48	10.49	9.75	8.52	8.14	8.79	6.91	6.77	7.59	65.09	54.69	54.06	35.89	10.89	10.86	10.68	44.16	37.73	34.60	35.503
P/S Ratio	2.38	2.52	2.95	2.64	2.24	2.20	2.30	1.61	1.37	1.36	2.26	2.19	2.09	2.36	2.09	2.08	2.16	2.62	2.73	2.45	2.731
P/B Ratio	1.03	1.13	1.10	1.03	0.90	0.92	1.24	0.92	0.83	0.88	1.12	1.16	1.17	1.37	1.15	1.16	1.21	1.31	1.17	1.16	1.070
P/FCF	7.32	5.83	5.64	6.21	4.70	5.84	7.18	4.83	5.73	5.58	8.51	9.39	9.82	11.42	10.43	9.21	8.36	11.04	22.25	28.57	28.567
P/OCF	6.37	5.33	5.36	5.96	4.59	5.70	6.84	4.40	4.93	4.53	6.65	7.47	7.96	9.56	9.23	8.33	7.54	9.72	16.56	18.77	18.769
EV/EBITDA	19.30	-7.20	-12.05	-12.47	-13.79	-12.98	-6.27	-8.41	-9.39	-9.75	-35.59	-26.88	-20.71	-10.01	-2.17	-2.04	-1.71	-1.19	-3.92	-3.93	-3.929
EV/Revenue	-3.37	-3.03	-4.73	-4.68	-4.87	-4.66	-2.27	-2.70	-2.67	-2.43	-1.75	-1.59	-1.46	-1.06	-0.59	-0.55	-0.47	-0.32	-1.06	-0.97	-0.970
EV/EBIT	15.10	-8.11	-13.72	-14.25	-15.91	-14.88	-7.11	-9.58	-10.74	-11.24	-162.88	-71.18	-42.79	-15.36	-2.45	-2.31	-1.93	-1.34	-4.31	-4.18	-4.177
EV/FCF	-10.36	-7.01	-9.06	-11.01	-10.20	-12.36	-7.08	-8.11	-11.13	-9.92	-6.57	-6.81	-6.86	-5.14	-2.94	-2.45	-1.83	-1.35	-8.63	-11.29	-11.291
Earnings Yield	-11.3%	11.8%	9.5%	10.3%	11.7%	12.3%	11.4%	14.5%	14.8%	13.2%	1.5%	1.8%	1.8%	2.8%	9.2%	9.2%	9.4%	2.3%	2.7%	2.9%	2.89%
FCF Yield	13.7%	17.2%	17.7%	16.1%	21.3%	17.1%	13.9%	20.7%	17.5%	17.9%	11.8%	10.7%	10.2%	8.8%	9.6%	10.9%	12.0%	9.1%	4.5%	3.5%	3.50%
Price/Tangible Book	snapshot only																				1.357
EV/OCF	snapshot only																				-7.418
EV/Gross Profit	snapshot only																				-1.891
Acquirers Multiple	snapshot only																				-9.325
Shareholder Yield	snapshot only																				5.73%
Graham Number	snapshot only																				$33.18

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.33	0.33	0.35	0.35	0.35	0.35	0.30	0.30	0.30	0.30	0.31	0.31	0.31	0.31	0.28	0.28	0.28	0.28	1.41	1.41	1.407
Quick Ratio	0.33	0.33	0.35	0.35	0.35	0.35	0.30	0.30	0.30	0.30	0.31	0.31	0.31	0.31	0.28	0.28	0.28	0.28	1.41	1.41	1.407
Debt/Equity	0.33	0.33	0.30	0.30	0.30	0.30	0.69	0.69	0.69	0.69	0.84	0.84	0.84	0.84	0.53	0.53	0.53	0.53	0.61	0.61	0.612
Net Debt/Equity	-2.50	-2.50	-2.87	-2.87	-2.87	-2.87	-2.45	-2.45	-2.45	-2.45	-1.99	-1.99	-1.99	-1.99	-1.47	-1.47	-1.47	-1.47	-1.63	-1.63	-1.625
Debt/Assets	0.03	0.03	0.03	0.03	0.03	0.03	0.06	0.06	0.06	0.06	0.08	0.08	0.08	0.08	0.06	0.06	0.06	0.06	0.07	0.07	0.070
Debt/EBITDA	-4.33	1.73	2.07	2.07	2.13	2.02	3.54	3.76	3.98	4.26	34.43	26.96	21.22	13.59	3.53	3.48	3.40	3.90	5.28	5.22	5.224
Net Debt/EBITDA	32.93	-13.19	-19.56	-19.51	-20.15	-19.11	-12.64	-13.42	-14.23	-15.23	-81.65	-63.95	-50.34	-32.24	-9.87	-9.72	-9.50	-10.91	-14.03	-13.87	-13.870
Interest Coverage	-2.31	4.38	4.36	4.56	4.27	3.72	2.77	1.69	1.09	0.77	0.03	0.05	0.08	0.17	0.71	0.74	0.79	0.69	0.74	0.70	0.703
Equity Multiplier	9.85	9.85	10.27	10.27	10.27	10.27	12.15	12.15	12.15	12.15	11.12	11.12	11.12	11.12	8.99	8.99	8.99	8.99	8.71	8.71	8.706
Cash Ratio	snapshot only																				1.379
Debt Service Coverage	snapshot only																				0.748
Cash to Debt	snapshot only																				3.655
FCF to Debt	snapshot only																				0.067
Defensive Interval	snapshot only																				4291.7 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.05	0.04	0.04	0.04	0.05	0.04	0.05	0.05	0.05	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.05	0.06	0.059
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	11.21	11.63	11.03	11.57	11.92	12.34	11.39	12.09	12.87	13.72	9.76	10.36	11.02	11.43	12.00	12.22	12.21	10.91	10.10	11.16	11.164
Payables Turnover	0.61	0.54	0.19	0.33	0.41	0.47	0.63	0.97	1.39	1.86	2.57	2.82	3.00	3.14	5.97	6.07	5.88	8.45	—	—	—
DSO	33	31	33	32	31	30	32	30	28	27	37	35	33	32	30	30	30	33	36	33	32.7 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	598	672	1949	1114	882	779	579	375	263	196	142	130	122	116	61	60	62	43	0	0	—
Cash Conversion Cycle	-566	-641	-1916	-1082	-852	-750	-547	-345	-234	-170	-105	-94	-89	-84	-31	-30	-32	-10	36	33	—
Fixed Asset Turnover	snapshot only																				2.541
Cash Velocity	snapshot only																				0.212
Capital Intensity	snapshot only																				18.345

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-5.6%	2.0%	5.5%	12.7%	14.0%	13.8%	17.9%	19.4%	23.3%	27.0%	2.2%	2.2%	2.1%	-0.6%	45.0%	39.2%	30.7%	12.6%	-3.8%	4.5%	4.48%
Net Income	-3.0%	1.7%	1.7%	1.9%	2.1%	3.8%	9.9%	2.5%	-4.9%	-15.6%	-86.4%	-82.4%	-80.6%	-63.7%	7.0%	5.6%	5.8%	1.7%	-63.7%	-61.2%	-61.24%
EPS	-3.1%	1.7%	1.6%	1.8%	2.0%	-6.5%	16.3%	7.8%	-0.2%	-11.4%	-85.8%	-81.9%	-80.3%	-63.5%	6.6%	4.9%	5.0%	-17.9%	-69.3%	-64.3%	-64.34%
FCF	19.2%	69.8%	1.9%	71.6%	67.1%	-0.6%	-27.7%	-6.6%	-38.0%	-17.6%	-15.2%	-28.4%	-9.4%	-16.1%	9.2%	34.5%	58.5%	29.4%	-41.0%	-60.2%	-60.16%
EBITDA	-1.8%	2.1%	2.1%	2.5%	3.3%	-2.8%	8.6%	2.0%	-0.6%	-11.9%	-86.1%	-81.2%	-74.7%	-57.7%	7.0%	5.4%	4.1%	1.9%	-4.2%	-4.6%	-4.61%
Op. Income	-2.3%	1.9%	1.9%	2.1%	2.6%	-4.5%	9.1%	2.3%	0.3%	-12.4%	-96.6%	-91.9%	-86.0%	-68.2%	31.4%	13.9%	8.4%	45.1%	-58.4%	-54.5%	-54.46%
OCF Growth	snapshot only																				-45.18%
Asset Growth	snapshot only																				19.53%
Equity Growth	snapshot only																				23.47%
Debt Growth	snapshot only																				43.29%
Shares Change	snapshot only																				8.70%
Dividend Growth	snapshot only																				41.07%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	7.6%	4.4%	1.5%	1.2%	0.9%	1.6%	3.7%	6.2%	9.9%	13.8%	8.3%	11.2%	12.8%	12.8%	20.5%	19.3%	18.1%	12.4%	12.6%	14.1%	14.10%
Revenue 5Y	28.5%	22.4%	21.5%	19.8%	17.2%	15.2%	13.6%	12.9%	11.9%	10.4%	4.7%	4.8%	5.3%	5.8%	10.5%	11.3%	12.1%	10.5%	12.2%	14.9%	14.85%
EPS 3Y	—	25.7%	10.4%	29.9%	26.9%	28.9%	29.7%	19.9%	28.8%	—	—	—	—	-32.9%	7.9%	4.6%	5.3%	-35.8%	-30.7%	-27.7%	-27.66%
EPS 5Y	—	21.9%	27.8%	28.6%	23.2%	20.9%	20.7%	15.8%	15.2%	10.5%	-25.9%	-15.6%	-16.7%	-7.1%	18.7%	12.9%	20.1%	—	—	—	—
Net Income 3Y	—	21.8%	13.6%	32.1%	27.9%	30.4%	31.1%	20.7%	29.3%	—	—	—	—	-31.7%	6.1%	6.2%	8.1%	-32.2%	-26.7%	-23.2%	-23.17%
Net Income 5Y	—	36.5%	41.1%	37.5%	30.0%	27.5%	22.8%	17.3%	15.1%	9.6%	-26.2%	-16.1%	-17.3%	-7.4%	19.6%	15.5%	23.5%	—	—	—	—
EBITDA 3Y	—	19.0%	12.3%	26.8%	21.8%	23.7%	25.5%	16.6%	23.1%	—	—	—	—	-28.7%	6.5%	6.9%	8.9%	2.2%	2.1%	4.6%	4.58%
EBITDA 5Y	—	34.9%	35.5%	32.2%	24.5%	22.1%	18.2%	13.9%	12.6%	7.6%	-26.6%	-17.1%	-14.6%	-6.8%	17.1%	13.7%	19.4%	—	—	—	—
Gross Profit 3Y	12.8%	10.5%	9.3%	13.2%	13.2%	14.1%	14.5%	12.5%	15.2%	14.6%	1.5%	-1.3%	-3.2%	-3.7%	6.4%	6.2%	6.1%	-9.6%	-6.7%	-2.9%	-2.92%
Gross Profit 5Y	31.8%	25.5%	25.0%	22.7%	19.7%	17.7%	15.1%	13.2%	10.9%	8.3%	-0.3%	2.0%	3.0%	3.6%	10.9%	10.1%	12.2%	2.4%	4.0%	3.9%	3.95%
Op. Income 3Y	—	19.0%	11.7%	29.4%	23.6%	26.2%	28.8%	18.3%	27.0%	—	—	—	—	-35.7%	6.7%	7.2%	9.7%	-26.1%	-22.6%	-18.1%	-18.13%
Op. Income 5Y	—	34.3%	36.0%	32.5%	24.1%	21.7%	17.8%	13.3%	12.2%	7.1%	-44.6%	-29.1%	-23.3%	-11.0%	19.0%	14.8%	21.9%	—	—	—	—
FCF 3Y	36.2%	37.4%	20.7%	13.1%	20.3%	10.9%	19.4%	27.8%	7.3%	11.6%	20.7%	4.7%	-2.1%	-11.8%	-12.5%	-3.5%	-3.8%	-3.6%	-18.3%	-27.3%	-27.34%
FCF 5Y	42.1%	39.9%	50.2%	43.5%	40.7%	41.9%	28.3%	26.1%	21.2%	16.3%	1.5%	-0.7%	-0.4%	-1.2%	9.5%	15.0%	12.1%	8.6%	2.5%	-9.3%	-9.26%
OCF 3Y	32.1%	29.4%	16.9%	9.1%	13.4%	7.2%	15.1%	24.4%	8.6%	13.9%	20.6%	6.0%	0.3%	-9.1%	-10.4%	-1.5%	-1.2%	-0.3%	-11.2%	-19.0%	-18.97%
OCF 5Y	65.1%	50.0%	45.9%	37.6%	34.6%	33.7%	22.2%	22.6%	19.3%	14.8%	3.5%	0.9%	-0.3%	-0.2%	8.8%	13.3%	11.9%	8.2%	3.5%	-5.0%	-5.02%
Assets 3Y	8.2%	8.2%	8.2%	8.2%	8.2%	8.2%	8.0%	8.0%	8.0%	8.0%	7.8%	7.8%	7.8%	7.8%	1.2%	1.2%	1.2%	1.2%	8.6%	8.6%	8.56%
Assets 5Y	20.4%	20.4%	18.6%	18.6%	18.6%	18.6%	9.5%	9.5%	9.5%	9.5%	4.4%	4.4%	4.4%	4.4%	6.2%	6.2%	6.2%	6.2%	9.7%	9.7%	9.69%
Equity 3Y	2.9%	2.9%	3.2%	3.2%	3.2%	3.2%	-5.0%	-5.0%	-5.0%	-5.0%	3.6%	3.6%	3.6%	3.6%	5.8%	5.8%	5.8%	5.8%	21.3%	21.3%	21.31%
Book Value 3Y	5.0%	6.2%	0.3%	1.5%	2.3%	2.0%	-6.0%	-5.6%	-5.4%	-5.9%	2.5%	1.7%	2.0%	1.8%	7.7%	4.2%	3.1%	0.3%	14.6%	14.2%	14.22%
Dividend 3Y	—	—	—	—	—	—	—	61.9%	31.2%	15.9%	4.8%	3.7%	3.6%	3.6%	7.9%	6.3%	7.3%	5.4%	6.9%	5.6%	5.59%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.75	0.71	0.65	0.64	0.65	0.69	0.76	0.82	0.86	0.79	0.75	0.65	0.62	0.65	0.59	0.71	0.84	0.93	0.84	0.92	0.915
Earnings Stability	0.23	0.01	0.01	0.00	0.00	0.03	0.02	0.03	0.04	0.11	0.01	0.02	0.02	0.13	0.20	0.19	0.25	0.14	0.23	0.23	0.229
Margin Stability	0.85	0.86	0.85	0.86	0.83	0.84	0.85	0.90	0.87	0.86	0.82	0.82	0.80	0.79	0.79	0.81	0.82	0.76	0.79	0.79	0.787
Rev. Growth Consistency	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	0.00	1.00	1.000
Earn. Growth Consistency	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.20	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.94	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.99	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	—	0.96	0.91	0.98	0.95	0.83	0.00	0.00	0.00	0.07	0.00	0.00	0.00	0.98	0.07	0.12	0.117
ROE Trend	-0.17	0.19	0.17	0.15	0.14	0.13	0.18	0.15	0.13	-0.01	-0.11	-0.10	-0.09	-0.08	0.03	0.03	0.04	-0.05	-0.03	-0.03	-0.031
Gross Margin Trend	0.27	0.27	0.27	0.17	0.13	0.10	0.03	-0.06	-0.16	-0.22	-0.32	-0.30	-0.26	-0.23	-0.08	-0.05	-0.01	-0.17	-0.13	-0.12	-0.116
FCF Margin Trend	0.06	0.16	0.32	0.19	0.19	0.03	-0.04	-0.02	-0.16	-0.16	-0.16	-0.15	-0.15	-0.10	-0.09	-0.06	0.03	0.01	-0.11	-0.14	-0.143
Sustainable Growth Rate	—	12.3%	11.6%	11.4%	11.1%	11.6%	11.4%	10.7%	9.8%	9.1%	0.3%	0.6%	0.6%	2.3%	10.5%	10.5%	11.0%	1.4%	1.7%	1.9%	1.87%
Internal Growth Rate	—	1.4%	1.2%	1.1%	1.1%	1.2%	1.0%	1.0%	0.9%	0.8%	0.0%	0.1%	0.1%	0.2%	1.1%	1.1%	1.1%	0.1%	0.2%	0.2%	0.21%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	-1.39	1.59	1.96	1.64	1.86	1.43	1.28	1.57	1.37	1.67	9.78	7.32	6.79	3.76	1.18	1.30	1.42	4.54	2.28	1.84	1.843
FCF/OCF	0.87	0.91	0.95	0.96	0.98	0.98	0.95	0.91	0.86	0.81	0.78	0.80	0.81	0.84	0.88	0.90	0.90	0.88	0.74	0.66	0.657
FCF/Net Income	snapshot only																				1.211
OCF/EBITDA	snapshot only																				0.530
CapEx/Revenue	4.9%	4.1%	2.7%	1.8%	1.2%	0.9%	1.6%	3.2%	3.9%	5.6%	7.4%	6.0%	5.0%	4.0%	2.6%	2.4%	2.8%	3.2%	4.2%	4.5%	4.49%
CapEx/Depreciation	snapshot only																				3.055
Accruals Ratio	-0.03	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.004
Sloan Accruals	snapshot only																				0.628
Cash Flow Adequacy	snapshot only																				1.633
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.3%	0.6%	0.9%	1.1%	1.6%	1.8%	1.8%	1.3%	1.3%	1.3%	1.2%	1.2%	1.3%	1.3%	1.3%	1.3%	1.4%	1.50%
Dividend/Share	$0.00	$0.00	$0.00	$0.08	$0.16	$0.24	$0.34	$0.37	$0.39	$0.41	$0.43	$0.44	$0.46	$0.48	$0.49	$0.49	$0.54	$0.54	$0.59	$0.64	$0.69
Payout Ratio	—	0.0%	0.0%	2.6%	5.0%	7.0%	9.6%	10.8%	12.1%	13.3%	84.6%	72.1%	72.4%	43.0%	12.6%	13.6%	14.2%	58.2%	50.2%	49.6%	49.65%
FCF Payout Ratio	0.0%	0.0%	0.0%	1.6%	2.8%	5.0%	7.9%	7.5%	10.2%	9.8%	11.1%	12.4%	13.2%	13.7%	12.1%	11.6%	11.1%	14.6%	29.6%	41.0%	41.00%
Total Payout Ratio	—	36.9%	35.6%	49.9%	68.0%	65.0%	67.2%	66.7%	66.2%	61.7%	3.1%	2.3%	1.9%	1.1%	31.5%	21.8%	14.7%	97.2%	1.1%	2.0%	1.98%
Div. Increase Streak	—	—	—	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	—	—	—	—	—	—	—	3.34	1.30	0.62	0.20	0.19	0.18	0.18	0.20	0.27	0.35	0.39	0.46	0.43	0.425
Buyback Yield	5.0%	4.3%	3.4%	4.9%	7.4%	7.1%	6.5%	8.1%	8.0%	6.4%	3.5%	2.9%	2.3%	1.9%	1.7%	0.7%	0.0%	0.9%	1.6%	4.3%	4.29%
Net Buyback Yield	5.0%	4.3%	3.4%	4.9%	7.4%	7.1%	6.5%	8.1%	8.0%	6.4%	3.5%	2.9%	2.3%	1.6%	-11.3%	-12.1%	-12.4%	-10.3%	1.6%	4.2%	4.22%
Total Shareholder Return	5.0%	4.3%	3.4%	5.1%	8.0%	8.0%	7.6%	9.7%	9.8%	8.1%	4.8%	4.2%	3.6%	2.8%	-10.2%	-10.9%	-11.0%	-9.0%	3.0%	5.7%	5.66%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	1.21	0.79	0.81	0.82	0.86	0.86	0.82	0.83	0.82	0.83	3.24	1.80	1.13	0.95	0.80	0.80	0.82	0.87	0.86	0.83	0.828
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.29	0.34	0.37	0.369
EBIT Margin	-0.22	0.37	0.34	0.33	0.31	0.31	0.32	0.28	0.25	0.22	0.01	0.02	0.03	0.07	0.24	0.24	0.25	0.24	0.25	0.23	0.232
Asset Turnover	0.04	0.05	0.04	0.04	0.04	0.05	0.04	0.05	0.05	0.05	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.05	0.06	0.059
Equity Multiplier	8.99	8.99	10.08	10.08	10.08	10.08	11.11	11.11	11.11	11.11	11.61	11.61	11.61	11.61	9.91	9.91	9.91	9.91	8.83	8.83	8.834

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$-3.25	$3.72	$3.06	$3.15	$3.26	$3.47	$3.56	$3.39	$3.25	$3.08	$0.51	$0.61	$0.64	$1.12	$3.85	$3.60	$3.80	$0.92	$1.18	$1.28	$1.28
Book Value/Share	$27.78	$27.79	$29.21	$29.68	$30.69	$30.76	$25.31	$25.58	$26.36	$26.44	$29.37	$29.09	$29.45	$29.31	$36.46	$33.56	$33.59	$31.00	$38.12	$38.12	$42.95
Tangible Book/Share	$24.53	$24.54	$25.16	$25.57	$26.44	$26.50	$21.38	$21.61	$22.27	$22.34	$25.46	$25.21	$25.53	$25.40	$32.27	$29.71	$29.73	$27.44	$32.72	$32.72	$32.72
Revenue/Share	$12.06	$12.51	$10.90	$11.61	$12.37	$12.84	$13.59	$14.59	$16.01	$17.12	$14.60	$15.35	$16.52	$17.07	$20.08	$18.82	$18.82	$15.52	$16.36	$18.09	$18.25
FCF/Share	$3.92	$5.41	$5.69	$4.94	$5.90	$4.84	$4.36	$4.85	$3.84	$4.19	$3.88	$3.58	$3.52	$3.53	$4.02	$4.24	$4.86	$3.69	$2.01	$1.55	$1.57
OCF/Share	$4.51	$5.92	$5.99	$5.14	$6.04	$4.96	$4.57	$5.33	$4.46	$5.15	$4.96	$4.50	$4.34	$4.21	$4.54	$4.69	$5.39	$4.19	$2.70	$2.37	$2.39
Cash/Share	$78.52	$78.55	$92.56	$94.05	$97.26	$97.50	$79.51	$80.38	$82.83	$83.09	$83.22	$82.40	$83.43	$83.03	$72.97	$67.17	$67.23	$62.04	$85.30	$85.30	$89.15
EBITDA/Share	$-2.11	$5.26	$4.28	$4.36	$4.37	$4.61	$4.92	$4.68	$4.55	$4.26	$0.72	$0.91	$1.17	$1.81	$5.44	$5.09	$5.21	$4.19	$4.42	$4.47	$4.47
Debt/Share	$9.12	$9.13	$8.86	$9.00	$9.31	$9.33	$17.39	$17.58	$18.11	$18.17	$24.68	$24.44	$24.74	$24.62	$19.23	$17.71	$17.72	$16.35	$23.34	$23.34	$23.34
Net Debt/Share	$-69.39	$-69.42	$-83.70	$-85.05	$-87.95	$-88.16	$-62.12	$-62.81	$-64.72	$-64.92	$-58.53	$-57.96	$-58.68	$-58.40	$-53.74	$-49.47	$-49.51	$-45.69	$-61.96	$-61.96	$-61.96

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.969
Altman Z-Prime	snapshot only																				0.846
Piotroski F-Score	6	9	7	6	7	5	6	6	5	5	7	7	7	6	7	7	7	5	6	5	5
Beneish M-Score	-2.86	-2.60	-2.40	-2.22	-2.32	-2.27	-2.09	-2.18	-2.11	-2.12	-5.05	-2.26	-2.30	-2.30	-0.95	-2.35	-2.39	-2.91	-2.34	-2.31	-2.314
Ohlson O-Score	snapshot only																				-5.019
ROIC (Greenblatt)	snapshot only																				13.02%
Net-Net WC	snapshot only																				$-206.72

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BBB-
Credit Score	44.40	87.07	82.15	81.45	82.47	85.10	61.69	60.01	57.12	58.19	41.57	42.07	41.85	46.21	70.65	72.95	72.74	48.58	53.12	51.85	51.851
Credit Grade	snapshot only																				10
Credit Trend	snapshot only																				-21.095
Implied Spread (bps)	snapshot only																				350.000
Industry Credit Rank	snapshot only																				31
Sector Credit Rank	snapshot only																				39

EQBK NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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