Dec 31, 2023

Equity Bancshares Q4 2023 Earnings Report

Equity Bancshares reported a net loss due to bond repositioning and merger-related expenses, but core customer creation and strong credit quality were emphasized.

Key Takeaways

Equity Bancshares, Inc. reported a net loss of $28.3 million for Q4 2023, or $(1.84) earnings per diluted share. Excluding bond repositioning and merger-related expenses, operating income would have been $11.9 million, or $0.77 earnings per diluted share. The company realized loan and deposit growth and announced a merger with Bank of Kirksville.

Realized linked quarter gross loans held-for-investment expansion of $50.8 million, or 6.1% annualized.

Realized linked quarter deposit growth of $63.3 million, including $13.3 million in non-brokered deposit balances.

Stockholders' Equity increased $34.7 million linked quarter, while tangible book value increased $35.5 million.

Announced planned merger with Rockhold Bancorp, the parent company of Bank of Kirksville

Total Revenue
-$3.95M
Previous year: $50.4M
-107.8%
EPS
-$1.84
Previous year: $0.72
-355.6%
Net Interest Margin
3.49%
Previous year: 3.67%
-4.9%
Cash and Equivalents
$379M
Previous year: $104M
+264.5%
Free Cash Flow
$9.54M
Previous year: $14.1M
-32.3%
Total Assets
$5.03B
Previous year: $4.98B
+1.1%

Equity Bancshares

Equity Bancshares

Forward Guidance

Equity Bancshares entered the fourth quarter positioned to take advantage of market opportunities which they expect will drive their operating growth in the future. With their team’s efforts around capital creation and management, they were able to announce their newest strategic combination with the Bank of Kirksville, Missouri, as well as a repositioning of their bond portfolio.