EQFN Stock Overview

Operates as the holding company for Equitable Bank that provides various banking products and services in Nebraska, the United States. More details

EQFN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	1/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 57.9% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Revenue has declined by 3.1% over the past year

Latest financial reports are more than a year old

Does not have a meaningful market cap ($32M)

My Notes

Capture your thoughts, links and company narrative

Equitable Financial Corp. Competitors

Coeur d'Alene Bancorp

OTCPK:CDAB

US$31.6m

Mars Bancorp

OTCPK:MNBP

US$31.9m

High Country Bancorp

OTCPK:HCBC

US$31.2m

HCB Financial

OTCPK:HCBN

US$30.9m

Price History & Performance

Summary of share price highs, lows and changes for Equitable Financial
Historical stock prices
Current Share Price	US$12.80
52 Week High	US$13.25
52 Week Low	US$11.20
Beta	0.40
1 Month Change	0.39%
3 Month Change	0.39%
1 Year Change	15.21%
3 Year Change	-0.78%
5 Year Change	4.06%
Change since IPO	28.00%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	EQFN	US Banks	US Market
7D	-0.2%	-3.5%	-2.7%
1Y	15.2%	29.1%	23.4%

Return vs Industry: EQFN underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: EQFN underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is EQFN's price volatile compared to industry and market?
EQFN volatility
EQFN Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: EQFN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine EQFN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1882	n/a	Tom Gdowski	www.equitableonline.com

Equitable Financial Corp. operates as the holding company for Equitable Bank that provides various banking products and services in Nebraska, the United States. The company offers checking and savings accounts; recorder checks; online and mobile banking; remote deposit capture; voice banking; credit card processing; debit and gift cards; and safe deposit boxes. It also provides home, home equity, auto, personal, real estate and construction, operating lines of credit, small business administration, and agricultural loans, as well as equipment financing.

Equitable Financial Corp. Fundamentals Summary

How do Equitable Financial's earnings and revenue compare to its market cap?
EQFN fundamental statistics
Market cap	US$31.57m
Earnings (TTM)	US$3.12m
Revenue (TTM)	US$19.08m

10.1x

P/E Ratio

0.7x

P/B Ratio

Is EQFN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EQFN income statement (TTM)
Revenue	US$19.08m
Cost of Revenue	US$0
Gross Profit	US$19.08m
Other Expenses	US$15.96m
Earnings	US$3.12m

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	1.26
Gross Margin	100.00%
Net Profit Margin	16.35%
Debt/Equity Ratio	34.3%

How did EQFN perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 02:30
End of Day Share Price	2024/12/20 00:00
Earnings	2023/09/30
Annual Earnings	2023/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Equitable Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution