Equity Bancshares, Inc. Financial Ratios — EQBK Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	39.86	33.77	23.58	37.5	42.86	22.49	-84.76	75.25	50.42	5.56	37.23	11.34
Return on Assets (%)	- -	0.78	0.75	0.5	0.77	0.99	0.64	-1.88	1.15	1.14	0.16	1.21	0.39
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	3.78	3.57	3.53	3.6	3.95	5	5.34	5.18	4.81	6.31	4.75	5.49
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.39	26.74	26.49	22.44	31.28	32.48	22.16	-48.38	37.46	36.07	1.76	36.27	12.75
Profit Margin (%)	16.15	18.22	18.89	15.17	20.82	25.2	17.25	-48.64	30.51	29.6	5.71	29.01	10.98
Net Income to Common Margin (%)	14.14	16.79	18.57	15.17	20.82	25.2	17.25	-48.64	30.51	29.6	5.71	29.01	10.98
Effective Tax Rate (%)	30.98	31.87	28.68	32.41	33.45	22.41	22.15	- -	18.55	17.92	- -	20	13.85
Dvd Payout Ratio (%)	-0.12	1.16	-0.13	0.44	- -	- -	- -	- -	2.19	9.64	84.57	12.6	50.24
Sustainable Growth Rate (%)	- -	39.4	33.81	23.47	37.5	42.86	22.49	-84.76	73.6	45.56	0.86	32.54	5.64

Credit (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	18	45	173	273	364	415	348	98	96	235	337	276	398
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	18	45	173	273	364	415	348	98	96	235	337	276	398
Total Debt/EBITDA	- -	24.2	89.01	125.18	102.12	73.75	46.94	11.88	10.76	25.12	39	26.86	35.07
Net Debt/EBITDA	- -	4.23	67.68	107.83	87.67	38.58	34.6	-22.16	-18.33	14.01	-3.05	-10.52	-18.49
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.46	2.12	2.21	2.03	2.07	2.5	3.19	1.27	1.72	2.82	2.8	3.66	3.23
Long-Term Debt/Equity (%)	12.81	38.28	103.63	105.93	97.33	90.93	72.78	24	19.15	57.37	74.4	46.47	54.39
Long-Term Debt/Capital (%)	26.97	52.2	77.12	86.01	84.72	80.33	73.42	65.75	51.99	62.64	70.47	58.54	65.95
Long-Term Debt/Total Assets (%)	1.57	3.84	10.93	12.47	11.49	10.21	8.81	2.44	1.87	4.72	6.69	5.17	6.25
Total Debt/Equity (%)	12.81	38.28	103.63	105.93	97.33	90.93	72.78	24	19.15	57.37	74.4	46.47	54.39
Total Debt/Capital (%)	26.97	52.2	77.12	86.01	84.72	80.33	73.42	65.75	51.99	62.64	70.47	58.54	65.95
Total Debt/Total Assets (%)	1.57	3.84	10.93	12.47	11.49	10.21	8.81	2.44	1.87	4.72	6.69	5.17	6.25
Net Debt to Equity	-4.78	6.69	78.8	91.25	83.56	47.57	53.64	-44.79	-32.61	32.01	-5.82	-18.21	-28.69
Net Debt/Capital (%)	-15.99	16.04	71.93	84.11	82.64	68.12	67.07	138.72	218.48	48.33	-22.96	-123.8	4,756.33
EBITDA	- -	2	2	2	4	6	7	8	9	9	9	10	11
EBITDA-CapEx	- -	-3	-4	-1	-3	-3	- -	-1	4	6	-7	2	-2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.46	2.12	2.21	2.03	2.07	2.5	3.19	1.27	1.72	2.82	2.8	3.66	3.23
Long-Term Debt/Equity (%)	12.81	38.28	103.63	105.93	97.33	90.93	72.78	24	19.15	57.37	74.4	46.47	54.39
Long-Term Debt/Capital (%)	26.97	52.2	77.12	86.01	84.72	80.33	73.42	65.75	51.99	62.64	70.47	58.54	65.95
Long-Term Debt/Total Assets (%)	1.57	3.84	10.93	12.47	11.49	10.21	8.81	2.44	1.87	4.72	6.69	5.17	6.25
Total Debt/Equity (%)	12.81	38.28	103.63	105.93	97.33	90.93	72.78	24	19.15	57.37	74.4	46.47	54.39
Total Debt/Capital (%)	26.97	52.2	77.12	86.01	84.72	80.33	73.42	65.75	51.99	62.64	70.47	58.54	65.95
Total Debt/Total Assets (%)	1.57	3.84	10.93	12.47	11.49	10.21	8.81	2.44	1.87	4.72	6.69	5.17	6.25
CFO/Total Liabilities	-0.14	1.29	0.96	0.8	0.99	1.02	1.4	1.21	2.21	1.62	1.67	1.56	0.91
CFO/CapEx	- -	2.92	2.37	5.56	4.02	4.15	6.98	4.57	20.13	21.29	4.91	8.69	3.88
Altman's Z-Score	0.06	0.07	0.13	0.15	0.16	0.16	0.17	0.11	0.12	0.15	0.14	0.18	0.17

Working Capital (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	13.42	13.41	10.72	10.25	9.56	8.96	9.76	10.15	10.08	5.94	7.93	6.65
Days Sales Outstanding	- -	27.19	27.22	34.06	35.62	38.18	40.75	37.38	35.94	36.22	61.46	46.01	54.88
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	153	289	440	542	481	326	510	530	527	657	817
- Cash & Cash Equivalents	25	37	42	38	52	198	91	280	259	104	363	384	608
+ Preferred Equity and Hybrid Capital	32	16	16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	18	45	173	273	364	415	348	98	96	235	337	276	398
Enterprise Value	-40	-29	170	429	591	590	596	-728	-981	-523	-419	-455	-293
Total Capital	66	86	225	318	430	516	474	149	184	376	478	471	604
Total Debt/Capital (%)	26.97	52.2	77.12	86.01	84.72	80.33	73.42	65.75	51.99	62.64	70.47	58.54	65.95
Total Debt / EV	-0.45	-1.57	1.02	0.64	0.62	0.7	0.58	-0.13	-0.1	-0.45	-0.8	-0.61	-1.36
EV/Sales	- -	- -	3.12	6.94	5.96	4.15	4.02	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	87.37	196.48	165.68	104.94	80.39	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	12.49	27.59	21.39	16.09	12.28	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	8.79	23.38	17.12	12.97	10.74	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	154	295	451	554	489	326	519	537	530	665	824
Diluted Enterprise Value	25	24	302	530	764	771	746	143	356	668	504	557	614
EV per Share	- -	- -	26.05	49.88	47.5	38.37	38.2	- -	- -	- -	- -	- -	- -
TTM Sales	49	49	55	62	99	142	148	154	172	195	137	216	207
TTM EBITDA	- -	2	2	2	4	6	7	8	9	9	9	10	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	14	14	16	28	37	49	44	103	74	77	74	51
TTM Free Cash Flow to Firm	-1	18	19	18	35	45	55	53	108	78	92	82	65

Multiples (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	7.94	16.06	13.08	12.17	8.82	6.13	4.82	6.92	5.76	8.07	12.75
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-40	-29	170	429	591	590	596	-728	-981	-523	-419	-455	-293
Low Price	- -	- -	16	19.72	29.13	31.32	22.75	12.49	20.95	28.06	20.5	30.44	34.11
EV/Sales	- -	- -	3.12	6.94	5.96	4.15	4.02	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	87.37	196.48	165.68	104.94	80.39	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	15.09	30.86	21.33	15.13	18.82	- -	9.71	9.18	67.34	10.49	35.95
Price/Earnings Average	- -	- -	15.4	22.3	19.92	16.65	17.36	-3.84	8.68	9.08	52.33	9.27	33.01
Price/Earnings High	- -	- -	16.08	34.89	22.28	19.01	21.93	-6.21	10.3	10.69	69.5	12.58	38.76
Price/Earnings Low	- -	- -	10.32	18.09	17.55	13.44	13.87	-2.52	6	7.89	40.72	7.53	27.46
Price/Book Value	- -	- -	4.36	6.51	6.71	5.34	3.82	6.4	5.76	3.78	3.73	3.37	3.97
Price/Book Value Average	- -	- -	4.45	4.7	6.26	5.88	3.53	5.65	5.15	3.73	2.9	2.97	3.65
Price/Book Value High	- -	- -	4.65	7.36	7.01	6.71	4.45	9.14	6.11	4.4	3.85	4.04	4.28
Price/Book Value Low	- -	- -	2.98	3.81	5.52	4.74	2.82	3.7	3.55	3.24	2.26	2.42	3.04
Price/Tangible Book Value	- -	- -	1.16	1.49	1.7	1.79	1.5	0.91	1.18	1.53	1.34	1.25	1.3
Price/Tangible Book Value Average	- -	- -	1.19	1.08	1.59	1.97	1.38	0.8	1.06	1.51	1.04	1.11	1.19
Price/Tangible Book Value High	- -	- -	1.24	1.68	1.78	2.25	1.74	1.29	1.25	1.78	1.38	1.5	1.4
Price/Tangible Book Value Low	- -	- -	0.8	0.87	1.4	1.59	1.1	0.52	0.73	1.31	0.81	0.9	0.99
Price/Sales	- -	- -	2.8	4.68	4.44	3.81	3.25	2.11	2.96	2.72	3.84	3.04	3.95
Price/Sales Average	- -	- -	2.86	3.38	4.15	4.2	2.99	1.87	2.65	2.69	2.99	2.69	3.63
Price/Sales High	- -	- -	2.99	5.29	4.64	4.79	3.78	3.02	3.14	3.17	3.97	3.65	4.26
Price/Sales Low	- -	- -	1.92	2.74	3.65	3.39	2.39	1.22	1.83	2.33	2.33	2.18	3.02
Price/Cash Flow	- -	- -	11.22	18.61	15.94	14.78	9.92	7.47	4.96	7.15	6.88	8.9	15.9
Price/Cash Flow Average	- -	- -	11.44	13.44	14.89	16.27	9.15	6.61	4.44	7.07	5.35	7.86	14.61
Price/Cash Flow High	- -	- -	11.95	21.03	16.65	18.58	11.56	10.68	5.26	8.33	7.1	10.67	17.15
Price/Cash Flow Low	- -	- -	7.67	10.91	13.12	13.13	7.31	4.32	3.06	6.14	4.16	6.38	12.15
Price/Free Cash Flow Average	- -	- -	8.1	11.61	12.22	13.39	8.13	5.42	4.31	6.85	4.48	7.13	11.71
Price/Free Cash Flow High	- -	- -	8.47	18.16	13.67	15.3	10.27	8.76	5.11	8.06	5.95	9.68	13.75
Price/Free Cash Flow Low	- -	- -	5.43	9.42	10.76	10.81	6.5	3.55	2.97	5.95	3.48	5.79	9.74
EV/Sales Average	0.52	0.49	5.58	7.19	7.3	5.72	4.72	0.69	1.7	3.36	2.8	2.19	2.61
EV/Sales High	0.52	0.49	5.7	9.1	7.79	6.32	5.51	1.84	2.19	3.84	3.78	3.15	3.24
EV/Sales Low	0.52	0.49	4.63	6.55	6.8	4.91	4.12	0.04	0.88	3.01	2.13	1.68	2
EV/EBITDA Average	- -	13.02	156.14	203.56	203.04	144.66	94.51	12.82	32.82	69.94	44.33	46.04	47.59
EV/EBITDA High	- -	13.02	159.72	257.63	216.7	159.73	110.27	34.38	42.37	79.87	59.88	66.25	59.08
EV/EBITDA Low	- -	13.02	129.76	185.51	189.28	124.23	82.47	0.73	17	62.59	33.82	35.43	36.47
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	23.39	33.64	35.41	35.25	30.87	21.59	33.93	32.67	33.9	42.42	44.65
High Price	- -	- -	24.93	38.03	36.99	44.3	35.96	30.85	36	38.04	34.99	50.85	48.14
Enterprise Value Average	25	24	304	444	724	813	701	106	292	655	383	472	540
Enterprise Value High	25	24	311	562	773	898	817	283	377	748	517	680	671
Enterprise Value Low	25	24	253	405	675	698	611	6	151	586	292	364	414

Shares Outstanding	7	7	7	11	15	16	15	15	17	16	15	17	19
Diluted Weighted Avg Shares	7	7	7	9	13	16	16	15	15	16	16	16	18
Basic Weighted Avg Shares	7	7	7	9	12	15	16	15	15	16	16	15	18
Revenue per Share	7.11	7.19	8.35	7.19	7.97	9.25	9.51	10.21	11.45	12.02	8.82	13.93	11.31
EBITDA per Share	- -	0.27	0.3	0.25	0.29	0.37	0.48	0.55	0.59	0.58	0.56	0.66	0.62
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.01	1.21	1.55	1.09	1.66	2.33	1.64	-4.97	3.49	3.56	0.5	4.04	1.24
Basic EPS from Cont Ops	1.15	1.31	1.58	1.09	1.66	2.33	1.64	-4.97	3.49	3.56	0.5	4.04	1.24
Diluted EPS, GAAP	1.01	1.21	1.54	1.07	1.62	2.28	1.61	-4.97	3.43	3.51	0.5	4	1.23
Diluted EPS from Cont Ops	1.15	1.31	1.57	1.07	1.62	2.28	1.61	-4.97	3.43	3.51	0.5	4	1.23
Dividend per Share	0.14	0.12	0.03	- -	- -	- -	- -	- -	0.08	0.34	0.43	0.51	0.62
Cash Flow per Share	-0.21	1.99	2.09	1.81	2.22	2.38	3.11	2.89	6.84	4.57	4.93	4.77	2.81
Free Cash Flow per Basic Share	-0.21	1.31	1.21	1.48	1.67	1.81	2.67	2.26	6.5	4.35	3.92	4.22	2.08
Cash & Equivalents per Share	13.13	13.15	26.39	15.54	17.19	23.84	14.97	76.31	105.64	79.46	82.58	89.61	82.42
Book Value per Share	2.42	3.63	5.37	5.17	5.28	6.6	8.07	3.38	5.89	8.65	9.09	12.6	11.24
Tangible Book Value per Share	12.89	11.97	20.09	22.6	20.78	19.67	20.63	23.84	28.72	21.36	25.27	33.88	34.34

Equity Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)