Loading...
•
Dec 31, 2025
Equity Bancshares Q4 2025 Earnings Report
Equity Bancshares reported strong fourth quarter results with expanding margins and successful acquisition activity.
Key Takeaways
Equity Bancshares delivered solid Q4 performance with EPS of $1.15 and net income of $22.1M. The company expanded its net interest margin and completed the acquisition of Frontier Holdings, marking entry into Nebraska.
Net income reached $22.1M for the quarter, up from a net loss in Q3.
Net interest margin expanded to 4.47% during Q4.
The company closed its Frontier acquisition on January 1, 2026.
Tangible book value per share increased to $32.86.
Revenue by Segment
Forward Guidance
Equity Bancshares expects stable growth in deposits and loans for FY26, with a modest decline in net interest margin and a return to normalized provisioning levels.
Positive Outlook
- FY26 average deposits expected between $6.2B and $6.3B.
- Net interest margin projected between 4.20% and 4.35%.
- Non-interest income expected to grow to $38M–$42M.
- Core non-interest expense forecasted between $194M–$198M.
- Provision for credit losses expected between $6M–$8M.
Challenges Ahead
- Effective tax rate expected to rise to 22–23%.
- Slightly lower asset yields anticipated.
- Higher expected non-interest expense.
- Potential integration risk from recent acquisitions.
- Market volatility and inflation could impact loan growth.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...