Sep 30, 2024

Equity Bancshares Q3 2024 Earnings Report

Equity Bancshares reported an exceptional earnings quarter, including the resolution of a significant problem loan and the closure of the merger with KansasLand.

Key Takeaways

Equity Bancshares reported a net income of $19.8 million, or $1.28 earnings per diluted share, for the quarter ended September 30, 2024. The company realized earnings per diluted share of $1.31 adjusted to exclude pre-tax merger expense and gain on security transactions. Loan balances grew, and the company completed its integration of KansasLand.

Earnings per diluted share were $1.28, or $1.31 adjusted for merger expenses and security transactions.

The merger with KansasLand was completed, adding $28.3 million in loan balances and $42.4 million in deposit balances.

Loan balances, excluding those acquired from KansasLand, grew by $117.8 million, or 13.6% on an annualized basis.

A significant problem asset was resolved, recognizing an $8.5 million pre-tax benefit.

Total Revenue
$55.3M
Previous year: $49.7M
+11.3%
EPS
$1.31
Previous year: $0.8
+63.7%
Cash and Equivalents
$218M
Previous year: $183M
+18.7%
Free Cash Flow
$19.1M
Previous year: $17.9M
+6.7%
Total Assets
$5.36B
Previous year: $4.95B
+8.3%

Equity Bancshares

Equity Bancshares

Forward Guidance

The company is well positioned for organic growth and strategic M&A, with teams, processes, and experience in place.

Positive Outlook

  • Continued execution on our mission as we grew customer relationships and loan balances
  • Expanding our footprint via the KansasLand Bancshares, Inc. acquisition
  • Well positioned to facilitate both organic growth and strategic M&A
  • Have the teams, the processes and the experience to be the premier community bank in our geography