Equitable Financial Corp. operates as the holding company for Equitable Bank that provides various banking products and services in Nebraska, the United States. More Details
Adequate balance sheet with questionable track record.
Share Price & News
How has Equitable Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EQFN has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: EQFN exceeded the US Mortgage industry which returned -19.2% over the past year.
Return vs Market: EQFN underperformed the US Market which returned 18.5% over the past year.
Price Volatility Vs. Market
How volatile is Equitable Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Equitable Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate EQFN's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate EQFN's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: EQFN is poor value based on its PE Ratio (16.9x) compared to the US Mortgage industry average (11.1x).
PE vs Market: EQFN is good value based on its PE Ratio (16.9x) compared to the US market (19x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate EQFN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: EQFN's PB Ratio (0.9x) is in line with the US Mortgage industry average.
How is Equitable Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Equitable Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Equitable Financial's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Equitable Financial's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Equitable Financial performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: EQFN has high quality earnings.
Growing Profit Margin: EQFN's current net profit margins (13.1%) are lower than last year (13.2%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if EQFN's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare EQFN's past year earnings growth to its 5-year average.
Earnings vs Industry: EQFN earnings growth over the past year (17.4%) exceeded the Mortgage industry 6%.
Return on Equity
High ROE: EQFN's Return on Equity (5.1%) is considered low.
How is Equitable Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: EQFN's Assets to Equity ratio (9.2x) is low.
Allowance for Bad Loans: Insufficient data to determine if EQFN has a sufficient allowance for bad loans.
Low Risk Liabilities: 94% of EQFN's liabilities are made up of primarily low risk sources of funding.
Loan Level: EQFN has an appropriate level of Loans to Assets ratio (91%).
Low Risk Deposits: EQFN's Loans to Deposits ratio (108%) is appropriate.
Level of Bad Loans: Insufficient data to determine if EQFN has an appropriate level of bad loans.
What is Equitable Financial current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate EQFN's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate EQFN's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if EQFN's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if EQFN's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of EQFN's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Gdowski (59 yo)
Thomas E. Gdowski joined Equitable Bank in 2005. With over 20 years in the banking and financial services industry, he strives to share his considerable business expertise with others. He received his Bach ...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD0.00) is below average for companies of similar size in the US market ($USD589.00K).
Compensation vs Earnings: Tom's compensation has increased by more than 20% in the past year.
|Community Bank President of Omaha & Community Bank President of Omaha - Equitable Bank||7.42yrs||US$255.17k||no data|
|Chief Financial Officer||no data||no data||no data|
|Director||6.75yrs||no data||no data|
|Corporate Secretary||no data||no data||no data|
Experienced Management: EQFN's management team is seasoned and experienced (10.4 years average tenure).
|Director||6.75yrs||no data||no data|
|Independent Chairman of the Board||13yrs||US$78.74k||no data|
|Independent Director||15.75yrs||US$66.44k||no data|
|Independent Director||15.75yrs||US$61.94k||no data|
|Independent Director||13.17yrs||US$60.14k||no data|
|Independent Director||2.92yrs||no data||no data|
Experienced Board: EQFN's board of directors are seasoned and experienced ( 13.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Equitable Financial Corp.'s company bio, employee growth, exchange listings and data sources
- Name: Equitable Financial Corp.
- Ticker: EQFN
- Exchange: OTCPK
- Founded: 1882
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$28.558m
- Shares outstanding: 2.81m
- Website: https://www.equitableonline.com
Number of Employees
- Equitable Financial Corp.
- 113 North Locust Street
- Grand Island
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EQFN||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Nov 2005|
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 consumer, commercial, and ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/22 00:33|
|End of Day Share Price||2020/10/20 00:00|
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.