EQB Inc. Logo

EQB Inc.

EQB.TO

(2.8)
Stock Price

102,20 CAD

0.67% ROA

17.16% ROE

9.75x PER

Market Cap.

3.465.965.100,00 CAD

756.51% DER

1.64% Yield

19.33% NPM

EQB Inc. Stock Analysis

EQB Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

EQB Inc. Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (14.12%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.67%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.03x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (215), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (757%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

EQB Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

EQB Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

EQB Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

EQB Inc. Revenue
Year Revenue Growth
2003 27.427.000
2004 30.136.000 8.99%
2005 44.381.000 32.1%
2006 54.900.000 19.16%
2007 61.868.000 11.26%
2008 79.155.000 21.84%
2009 100.855.000 21.52%
2010 109.849.000 8.19%
2011 136.812.000 19.71%
2012 162.842.000 15.98%
2013 188.923.000 13.81%
2014 217.945.000 13.32%
2015 259.063.000 15.87%
2016 305.815.000 15.29%
2017 349.388.000 12.47%
2018 376.040.000 7.09%
2019 497.064.000 24.35%
2020 556.833.000 10.73%
2021 642.907.000 13.39%
2022 782.186.000 17.81%
2023 1.250.188.000 37.43%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

EQB Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

EQB Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 9.022.000 100%
2007 11.340.000 20.44%
2008 13.253.000 14.43%
2009 15.367.000 13.76%
2010 18.599.000 17.38%
2011 22.856.000 18.63%
2012 28.246.000 19.08%
2013 33.870.000 16.6%
2014 42.545.000 20.39%
2015 50.236.000 15.31%
2016 60.280.000 16.66%
2017 65.206.000 7.55%
2018 77.062.000 15.39%
2019 101.651.000 24.19%
2020 108.185.000 6.04%
2021 128.965.000 16.11%
2022 183.605.000 29.76%
2023 238.828.000 23.12%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

EQB Inc. EBITDA
Year EBITDA Growth
2003 56.325.000
2004 67.297.000 16.3%
2005 88.882.000 24.29%
2006 122.553.000 27.47%
2007 159.030.000 22.94%
2008 192.936.000 17.57%
2009 168.773.000 -14.32%
2010 164.730.000 -2.45%
2011 386.157.000 57.34%
2012 426.046.000 9.36%
2013 445.534.000 4.37%
2014 450.095.000 1.01%
2015 493.926.000 8.87%
2016 552.802.000 10.65%
2017 629.793.000 12.22%
2018 745.730.000 15.55%
2019 296.096.000 -151.85%
2020 323.423.000 8.45%
2021 423.077.000 23.55%
2022 1.295.933.000 67.35%
2023 737.576.000 -75.7%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

EQB Inc. Gross Profit
Year Gross Profit Growth
2003 27.427.000
2004 30.136.000 8.99%
2005 44.381.000 32.1%
2006 54.900.000 19.16%
2007 61.868.000 11.26%
2008 79.155.000 21.84%
2009 100.855.000 21.52%
2010 109.849.000 8.19%
2011 136.812.000 19.71%
2012 162.842.000 15.98%
2013 188.923.000 13.81%
2014 217.945.000 13.32%
2015 259.063.000 15.87%
2016 305.815.000 15.29%
2017 349.388.000 12.47%
2018 376.040.000 7.09%
2019 497.064.000 24.35%
2020 556.833.000 10.73%
2021 642.907.000 13.39%
2022 782.186.000 17.81%
2023 1.250.188.000 37.43%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

EQB Inc. Net Profit
Year Net Profit Growth
2003 9.297.000
2004 14.978.000 37.93%
2005 19.757.000 24.19%
2006 27.338.000 27.73%
2007 31.171.000 12.3%
2008 38.611.000 19.27%
2009 51.438.000 24.94%
2010 54.267.000 5.21%
2011 62.186.000 12.73%
2012 81.207.000 23.42%
2013 93.530.000 13.18%
2014 106.718.000 12.36%
2015 125.865.000 15.21%
2016 138.330.000 9.01%
2017 160.617.000 13.88%
2018 165.626.000 3.02%
2019 206.479.000 19.79%
2020 223.804.000 7.74%
2021 292.530.000 23.49%
2022 270.181.000 -8.27%
2023 523.700.000 48.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

EQB Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 2 0%
2010 2 0%
2011 2 0%
2012 3 50%
2013 3 0%
2014 3 33.33%
2015 4 0%
2016 4 25%
2017 5 0%
2018 5 20%
2019 6 16.67%
2020 7 0%
2021 8 25%
2022 8 -14.29%
2023 14 46.15%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

EQB Inc. Free Cashflow
Year Free Cashflow Growth
2003 10.278.000
2004 20.048.000 48.73%
2005 25.558.000 21.56%
2006 23.110.000 -10.59%
2007 42.661.000 45.83%
2008 30.907.000 -38.03%
2009 44.520.000 30.58%
2010 56.500.000 21.2%
2011 9.749.000 -479.55%
2012 -140.078.000 106.96%
2013 -279.942.000 49.96%
2014 -65.725.000 -325.93%
2015 222.894.000 129.49%
2016 -33.766.000 760.11%
2017 263.834.000 112.8%
2018 -50.782.000 619.54%
2019 287.571.000 117.66%
2020 297.393.000 3.3%
2021 654.684.000 54.57%
2022 -46.686.000 1502.31%
2023 -111.793.000 58.24%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

EQB Inc. Operating Cashflow
Year Operating Cashflow Growth
2003 10.574.000
2004 21.094.000 49.87%
2005 26.060.000 19.06%
2006 24.384.000 -6.87%
2007 43.949.000 44.52%
2008 31.365.000 -40.12%
2009 44.800.000 29.99%
2010 57.029.000 21.44%
2011 12.094.000 -371.55%
2012 -139.280.000 108.68%
2013 -278.252.000 49.94%
2014 -57.057.000 -387.67%
2015 243.900.000 123.39%
2016 -20.630.000 1282.26%
2017 273.594.000 107.54%
2018 -30.356.000 1001.28%
2019 307.698.000 109.87%
2020 325.179.000 5.38%
2021 693.258.000 53.09%
2022 29.885.000 -2219.75%
2023 -99.421.000 130.06%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

EQB Inc. Capital Expenditure
Year Capital Expenditure Growth
2003 296.000
2004 1.046.000 71.7%
2005 502.000 -108.37%
2006 1.274.000 60.6%
2007 1.288.000 1.09%
2008 458.000 -181.22%
2009 280.000 -63.57%
2010 529.000 47.07%
2011 2.345.000 77.44%
2012 798.000 -193.86%
2013 1.690.000 52.78%
2014 8.668.000 80.5%
2015 21.006.000 58.74%
2016 13.136.000 -59.91%
2017 9.760.000 -34.59%
2018 20.426.000 52.22%
2019 20.127.000 -1.49%
2020 27.786.000 27.56%
2021 38.574.000 27.97%
2022 76.571.000 49.62%
2023 12.372.000 -518.91%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

EQB Inc. Equity
Year Equity Growth
2003 76.657.000
2004 107.553.000 28.73%
2005 124.608.000 13.69%
2006 149.736.000 16.78%
2007 203.170.000 26.3%
2008 264.146.000 23.08%
2009 373.861.000 29.35%
2010 423.462.000 11.71%
2011 426.640.000 0.74%
2012 501.571.000 14.94%
2013 588.318.000 14.74%
2014 703.694.000 16.4%
2015 796.116.000 11.61%
2016 977.150.000 18.53%
2017 1.138.117.000 14.14%
2018 1.280.027.000 11.09%
2019 1.467.714.000 12.79%
2020 1.647.702.000 10.92%
2021 1.952.634.000 15.62%
2022 2.534.955.000 22.97%
2023 2.719.852.000 6.8%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

EQB Inc. Assets
Year Assets Growth
2003 1.103.278.000
2004 1.543.251.000 28.51%
2005 2.012.252.000 23.31%
2006 2.625.755.000 23.36%
2007 3.409.626.000 22.99%
2008 4.087.551.000 16.59%
2009 3.846.074.000 -6.28%
2010 4.453.466.000 13.64%
2011 10.257.013.000 56.58%
2012 11.601.440.000 11.59%
2013 11.816.453.000 1.82%
2014 12.854.903.000 8.08%
2015 15.527.584.000 17.21%
2016 18.973.588.000 18.16%
2017 20.634.250.000 8.05%
2018 25.037.145.000 17.59%
2019 28.392.452.000 11.82%
2020 30.746.318.000 7.66%
2021 36.159.070.000 14.97%
2022 51.144.957.000 29.3%
2023 53.318.703.000 4.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

EQB Inc. Liabilities
Year Liabilities Growth
2003 25.096.000
2004 29.149.000 13.9%
2005 1.887.644.000 98.46%
2006 2.476.019.000 23.76%
2007 3.206.456.000 22.78%
2008 3.823.405.000 16.14%
2009 3.472.213.000 -10.11%
2010 4.030.004.000 13.84%
2011 9.830.373.000 59%
2012 11.099.869.000 11.44%
2013 11.228.135.000 1.14%
2014 12.151.209.000 7.6%
2015 14.731.468.000 17.52%
2016 17.996.438.000 18.14%
2017 19.496.133.000 7.69%
2018 23.757.118.000 17.94%
2019 26.924.738.000 11.76%
2020 29.098.616.000 7.47%
2021 34.206.436.000 14.93%
2022 48.610.002.000 29.63%
2023 50.598.851.000 3.93%

EQB Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
21.55
Net Income per Share
9.38
Price to Earning Ratio
9.75x
Price To Sales Ratio
4.27x
POCF Ratio
83.02
PFCF Ratio
-117.74
Price to Book Ratio
1.27
EV to Sales
29.13
EV Over EBITDA
15.27
EV to Operating CashFlow
569.47
EV to FreeCashFlow
-804.03
Earnings Yield
0.1
FreeCashFlow Yield
-0.01
Market Cap
3,47 Bil.
Enterprise Value
23,67 Bil.
Graham Number
123.4
Graham NetNet
-1256.59

Income Statement Metrics

Net Income per Share
9.38
Income Quality
0.12
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.74
EBT Per Ebit
0.38
Ebit per Revenue
0.7
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.28
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.7
Pretax Profit Margin
0.26
Net Profit Margin
0.19

Dividends

Dividend Yield
0.02
Dividend Yield %
1.64
Payout Ratio
0.16
Dividend Per Share
1.5

Operating Metrics

Operating Cashflow per Share
1.1
Free CashFlow per Share
-0.78
Capex to Operating CashFlow
-1.71
Capex to Revenue
-0.09
Capex to Depreciation
-1.34
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
636.93
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.57
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-1.88

Balance Sheet

Cash per Share
56,97
Book Value per Share
72,12
Tangible Book Value per Share
66.54
Shareholders Equity per Share
72.12
Interest Debt per Share
584.85
Debt to Equity
7.57
Debt to Assets
0.39
Net Debt to EBITDA
13.03
Current Ratio
2.06
Tangible Asset Value
2,51 Bil.
Net Current Asset Value
-47,03 Bil.
Invested Capital
7.57
Working Capital
1,84 Bil.
Intangibles to Total Assets
0
Average Receivables
1,38 Bil.
Average Payables
0,20 Bil.
Average Inventory
0
Debt to Market Cap
5.94

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

EQB Inc. Dividends
Year Dividends Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

EQB Inc. Profile

About EQB Inc.

EQB Inc., through its subsidiary, Equitable Bank, provides personal and commercial banking services to retail and commercial customers in Canada. The company accepts term deposits and guaranteed investment certificates, high interest savings accounts, tax-free savings accounts, and institutional deposit notes, as well as specialized financing solutions. Its loan products include residential mortgages; equipment loans; home equity, cash surrender value, and commercial equity lines of credit; business enterprise solutions comprising mixed use, multi-residential properties, retail spaces, office condominiums, and industrial buildings; and asset repositioning, inventory, term, and construction loans. The company also offers digital banking services, as well as a range of banking solutions, including international money transfers, US dollar accounts, and a suite of registered products. The company was formerly known as Equitable Group Inc. and changed its name to EQB Inc. in June 2022. EQB Inc. was founded in 1970 and is headquartered in Toronto, Canada.

CEO
Mr. Andrew R. G. Moor
Employee
1.800
Address
Equitable Bank Tower
Toronto, M4V 3A1

EQB Inc. Executives & BODs

EQB Inc. Executives & BODs
# Name Age
1 Mr. Daniel Broten
Senior Vice President & Chief Technology Officer
70
2 Michael Mignardi
Vice President & General Counsel
70
3 Mr. Andrew R. G. Moor
President, Chief Executive Officer & Director
70
4 Ms. Marlene Lenarduzzi
Senior Vice President & Chief Risk Officer
70
5 Sandie Douville
Vice President of Investor Relations & ESG Strategy
70
6 Mr. Gavin Stanley
Senior Vice President & Chief Human Resources Officer
70
7 Alex Prokoudine
Vice-President of Capital Markets
70
8 Mr. Chadwick Westlake
Senior Vice President & Chief Financial Officer
70
9 Mr. Darren Lorimer C.F.A.
Senior Vice President & Group Head of Commercial Banking
70
10 Ms. Mahima Poddar
Senior Vice President & Group Head of Personal Banking
70

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