Demonstrações financeiras detalhadas de Equity Bancshares, Inc. (EQBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Equity Bancshares, Inc. registou receitas de $314.3M no último exercício, com um CAGR de 5 anos de 12.2%.
Margens dos últimos 12 meses: margem bruta 52.8%, margem operacional 13.5%, margem líquida 9.4%. O fluxo de caixa livre cresceu a CAGR de 2.3% em 5 anos.
Ao preço atual de $49.21, EQBK negocia a um P/L de 27.07 e um ROE de 4.64%. A capitalização de mercado é de $1.0B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $71.0M | $115.9M | $178.9M | $197.9M | $177.0M | $186.8M | $220.3M | $224.7M | $326.5M | $314.3M |
| Custo da Receita | $11.3M | $19.3M | $40.7M | $68.0M | $47.2M | $6.2M | $25.3M | $89.0M | $108.8M | $155.9M |
| Lucro Bruto | $59.7M | $96.6M | $138.2M | $129.9M | $129.9M | $180.6M | $195.0M | $135.6M | $217.7M | $158.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $29.4M | $44.1M | $63.6M | $70.0M | $58.7M | $59.2M | $68.2M | $72.0M | $80.6M | $68.8M |
| Despesas Operacionais | $45.8M | $65.5M | $92.0M | $97.1M | $204.4M | $116.1M | $124.7M | $133.2M | $139.4M | $125.8M |
| Lucro Operacional | $13.9M | $31.0M | $46.2M | $32.9M | -$74.6M | $64.4M | $70.3M | $2.4M | $78.3M | $32.5M |
| EBITDA | $16.1M | $34.6M | $51.8M | $40.3M | -$66.3M | $73.3M | $79.6M | $11.1M | $88.5M | $84.8M |
| Despesas com Juros | $9.2M | $16.7M | $36.8M | $49.6M | $22.9M | $14.8M | $25.4M | $87.7M | $110.7M | $104.8M |
| Lucro Antes de Impostos | $13.9M | $31.0M | $46.2M | $32.9M | -$74.6M | $64.4M | $70.3M | $2.4M | $78.3M | $26.4M |
| Imposto | $4.5M | $10.4M | $10.3M | $7.3M | $400000 | $12.0M | $12.6M | -$5.4M | $15.7M | $3.7M |
| Lucro Líquido | $9.4M | $20.6M | $35.8M | $25.6M | -$75.0M | $52.5M | $57.7M | $7.8M | $62.6M | $22.7M |
| LPA | $1.09 | $1.66 | $2.33 | $1.64 | $-4.97 | $3.49 | $3.56 | $0.50 | $4.04 | $1.24 |
| LPA Diluído | $1.07 | $1.62 | $2.28 | $1.61 | $-4.97 | $3.43 | $3.51 | $0.50 | $4.00 | $1.23 |
| Ações em Circulação (Diluídas) | $8.8M | $12.7M | $15.7M | $15.8M | $15.1M | $15.3M | $16.4M | $15.6M | $15.7M | $19.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $47.5M | $100.4M | $117.5M | $115.9M |
| Lucro Bruto | -$29.5M | $73.0M | $77.2M | $80.6M |
| Lucro Operacional | -$31.1M | $26.4M | $22.5M | $33.7M |
| EBITDA | $14.6M | $27.7M | $26.4M | $36.0M |
| Lucro Líquido | -$29.7M | $22.1M | $17.0M | $26.4M |
| LPA | $-1.55 | $1.16 | $0.89 | $1.28 |
| LPA Diluído | $-1.55 | $1.15 | $0.88 | $1.27 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $37.9M | $51.5M | $197.7M | $91.5M | $280.4M | $259.1M | $104.0M | $363.3M | $383.5M | $607.6M |
| Investimentos de Curto Prazo | $95.7M | $162.3M | $168.9M | $142.1M | $871.8M | $1.33B | $1.18B | $919.6M | $803.2M | $1.03B |
| Contas a Receber | $7.0M | $12.4M | $17.4M | $15.7M | $15.8M | $18.0M | $20.6M | $25.5M | $28.9M | $33.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $140.6M | $226.2M | $384.0M | $249.3M | $1.17B | $1.60B | $1.31B | $1.31B | $1.22B | $1.67B |
| Imobilizado | $50.5M | $63.4M | $80.4M | $84.5M | $89.4M | $104.0M | $101.5M | $112.6M | $117.1M | $136.7M |
| Ágio | $58.9M | $104.9M | $131.7M | $136.4M | $31.6M | $54.5M | $53.1M | $53.1M | $53.1M | $82.1M |
| Ativos Intangíveis | $4.7M | $10.7M | $21.7M | $19.9M | $16.1M | $14.9M | $10.6M | $7.2M | $15.0M | $21.6M |
| Ativos Totais | $2.19B | $3.17B | $4.06B | $3.95B | $4.01B | $5.14B | $4.98B | $5.03B | $5.33B | $6.37B |
| Contas a Pagar | $7.4M | $10.7M | $13.7M | $18.5M | $19.1M | $47.4M | $32.8M | $36.5M | 0 | 0 |
| Dívida de Curto Prazo | $20.6M | $37.5M | $50.1M | $35.7M | $36.0M | $56.0M | $46.5M | $43.6M | $37.2M | $39.9M |
| Passivos Circulantes | $1.66B | $2.43B | $3.19B | $3.12B | $3.50B | $4.52B | $4.32B | $4.23B | $4.41B | $1.19B |
| Dívida de Longo Prazo | $273.3M | $364.2M | $414.6M | $347.9M | $97.8M | $95.9M | $235.3M | $336.9M | $275.6M | $408.4M |
| Passivos Totais | $1.93B | $2.80B | $3.61B | $3.47B | $3.61B | $4.64B | $4.57B | $4.58B | $4.74B | $5.64B |
| Reservas | $44.3M | $65.5M | $101.3M | $125.8M | $50.8M | $88.3M | $140.1M | $141.0M | $194.9M | $205.3M |
| Patrimônio Líquido | $258.0M | $374.1M | $455.9M | $478.1M | $407.6M | $500.6M | $410.1M | $452.9M | $592.9M | $732.1M |
| Dívida Total | $293.9M | $401.7M | $464.7M | $383.6M | $133.9M | $151.9M | $281.7M | $380.5M | $312.8M | $448.2M |
| Dívida Líquida | $160.3M | $187.8M | $98.1M | $150.1M | -$1.02B | -$1.43B | -$1.01B | -$902.4M | -$873.9M | -$1.19B |
| Capital de Giro | -$1.52B | -$2.20B | -$2.80B | -$2.87B | -$2.33B | -$2.92B | -$3.01B | -$2.92B | -$3.20B | $483.2M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $699.2M | $607.6M | $564.2M | $546.5M |
| Ativos Totais | $6.36B | $6.37B | $7.67B | $7.73B |
| Passivos Totais | $5.64B | $5.64B | $6.85B | $6.90B |
| Patrimônio Líquido | $711.9M | $732.1M | $817.6M | $827.3M |
| Dívida Total | $481.8M | $448.2M | $484.9M | $526.6M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $9.4M | $20.6M | $35.8M | $25.6M | -$75.0M | $52.5M | $57.7M | $7.8M | $62.6M | $22.7M |
| Depreciação e Amortização | $2.2M | $3.6M | $5.6M | $7.4M | $8.2M | $8.9M | $9.4M | $8.6M | $10.3M | $11.4M |
| Compensação em Ações | $553000 | $1.1M | $2.5M | $2.9M | $3.5M | $2.9M | $3.3M | $3.2M | $4.0M | $5.6M |
| Variação Capital de Giro | $356000 | -$1.5M | -$6.7M | -$2.5M | -$4.3M | $15.9M | $1.9M | $7.1M | $11.9M | -$26.4M |
| Fluxo de Caixa Operacional | $15.5M | $27.6M | $36.7M | $48.5M | $43.6M | $102.7M | $74.1M | $76.5M | $73.8M | $51.4M |
| CapEx | -$2.8M | -$6.9M | -$8.8M | -$7.0M | -$9.6M | -$5.1M | -$3.5M | -$16.1M | -$8.5M | -$13.3M |
| Aquisições | -$3.0M | -$3.5M | $20.1M | $85.4M | $25.9M | $173.9M | -$41.3M | 0 | $62.2M | $150.4M |
| Recompra de Ações | 0 | 0 | 0 | -$10.9M | -$19.3M | -$18.7M | -$33.2M | -$17.9M | -$11.9M | -$14.1M |
| Dividendos Pagos | -$42000 | 0 | 0 | 0 | 0 | -$1.1M | -$5.6M | -$6.6M | -$7.9M | -$11.4M |
| Fluxo de Caixa Livre | $12.8M | $20.8M | $27.8M | $41.5M | $34.0M | $97.6M | $70.6M | $60.4M | $65.4M | $38.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $8.5M | -$6.6M | $15.3M | $38.8M |
| CapEx | -$4.0M | -$5.5M | -$3.8M | $3.8M |
| Fluxo de Caixa Livre | $4.5M | -$12.1M | $11.5M | $42.6M |
| Dividendos Pagos | -$2.6M | -$3.4M | -$3.5M | -$3.7M |
| Compensação em Ações | $1.6M | $1.4M | $1.5M | $1.6M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +63.2% | +54.4% | +10.6% | -10.6% | +5.5% | +17.9% | +2.0% | +45.3% | -3.8% |
| Crescimento Lucro Líquido (anual) | | +120.3% | +73.5% | -28.6% | -393.1% | +170.0% | +9.9% | -86.4% | +700.7% | -63.7% |
| Crescimento LPA (anual) | | +52.3% | +40.4% | -29.6% | -403.0% | +170.2% | +2.0% | -86.0% | +708.0% | -69.3% |
| Variação de Ações (anual) | | +45.5% | +23.2% | +0.9% | -4.7% | +1.4% | +7.4% | -4.8% | +0.1% | +22.5% |
| Crescimento FCF (anual) | | +62.8% | +34.1% | +49.2% | -18.1% | +187.0% | -27.7% | -14.4% | +8.2% | -41.7% |
| Margem Bruta | 84.1% | 83.3% | 77.2% | 65.6% | 73.4% | 96.7% | 88.5% | 60.4% | 66.7% | 50.4% |
| Margem Operacional | 19.5% | 26.8% | 25.8% | 16.6% | -42.1% | 34.5% | 31.9% | 1.1% | 24.0% | 10.4% |
| Margem EBITDA | 22.6% | 29.9% | 28.9% | 20.3% | -37.5% | 39.3% | 36.2% | 4.9% | 27.1% | 27.0% |
| Margem Líquida | 13.2% | 17.8% | 20.0% | 12.9% | -42.3% | 28.1% | 26.2% | 3.5% | 19.2% | 7.2% |
| Margem FCF | 18.0% | 17.9% | 15.6% | 21.0% | 19.2% | 52.2% | 32.0% | 26.9% | 20.0% | 12.1% |
| Taxa Efetiva de Imposto | 32.4% | 33.4% | 22.4% | 22.2% | -0.5% | 18.6% | 17.9% | -223.9% | 20.0% | 13.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.46 | $1.63 | $1.77 | $2.62 | $2.25 | $6.38 | $4.29 | $3.86 | $4.17 | $1.98 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.08 | $0.34 | $0.42 | $0.50 | $0.59 |
| Ações em Circulação (Básicas) | $8.6M | $12.4M | $15.4M | $15.6M | $15.1M | $15.0M | $16.2M | $15.5M | $15.6M | $19.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 4.64% |
| Retorno sobre capital investido | 2.88% |
| Retorno sobre ativos | 0.46% |
| Margem bruta | 52.81% |
| Margem operacional | 13.51% |
| Margem líquida | 9.39% |
Saúde financeira
| Dívida / Patrimônio | 0.64 |
| Liquidez corrente | 0.29 |
| Piotroski F-Score | 4 |
| Altman Z-Score | 0.29 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 30.86 | 21.33 | 15.13 | 18.82 | -4.34 | 9.72 | 9.18 | 67.80 | 10.50 | 36.01 |
| P/VP | 1.12 | 1.18 | 1.19 | 1.01 | 0.80 | 1.02 | 1.29 | 1.16 | 1.12 | 1.16 |
| P/V | 4.07 | 3.80 | 3.03 | 2.43 | 1.84 | 2.73 | 2.40 | 2.34 | 2.03 | 2.70 |
| Margem Bruta | 84.1% | 83.3% | 77.2% | 65.6% | 73.4% | 96.7% | 88.5% | 60.4% | 66.7% | 50.4% |
| Margem Operacional | 19.5% | 26.8% | 25.8% | 16.6% | -42.1% | 34.5% | 31.9% | 1.1% | 24.0% | 10.4% |
| Margem Líquida | 13.2% | 17.8% | 20.0% | 12.9% | -42.3% | 28.1% | 26.2% | 3.5% | 19.2% | 7.2% |