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Compared to Estimates, Equity Bancshares (EQBK) Q3 Earnings: A Look at Key Metrics

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For the quarter ended September 2026, Equity Bancshares (EQBK - Free Report) reported revenue of $83.75 million, up 17.4% over the same period last year. EPS came in at $1.40, compared to $1.21 in the year-ago quarter.

The reported revenue represents a surprise of -1.12% over the Zacks Consensus Estimate of $84.69 million. With the consensus EPS estimate being $1.31, the EPS surprise was +6.87%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Equity Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 54% compared to the 56.5% average estimate based on four analysts.
  • Net Interest Margin: 4.2% versus 4.3% estimated by four analysts on average.
  • Tier 1 Risk Based Capital Ratio: 12.6% versus the two-analyst average estimate of 12.2%.
  • Tier 1 Leverage Ratio: 10.2% compared to the 10.2% average estimate based on two analysts.
  • Total Risk Based Capital Ratio: 14.9% versus the two-analyst average estimate of 14.7%.
  • Average Outstanding Balance - Total interest-earning assets: $6.87 billion versus the two-analyst average estimate of $6.83 billion.
  • Net Interest Income: $72.84 million versus $74.57 million estimated by four analysts on average.
  • Total Non-Interest Income: $10.9 million versus $10.09 million estimated by four analysts on average.
  • Service charges and fees: $2.52 million compared to the $2.43 million average estimate based on three analysts.
  • Debit card income: $3.44 million compared to the $3.38 million average estimate based on three analysts.
  • Mortgage banking: $0.54 million versus the three-analyst average estimate of $0.45 million.
  • Increase in value of bank-owned life insurance: $1.37 million compared to the $1.61 million average estimate based on two analysts.

View all Key Company Metrics for Equity Bancshares here>>>

Shares of Equity Bancshares have returned -6.6% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.

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