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EQB Inc.

EQB Inc.

EQB · TO · Financial Services / Banks - Regional

128.50CAD-1.91 (-1.46%)

Price History

Full chart

Market Stats

Previous Close130.41
Open130.49
Day Range126.57 – 130.49
52-Week Range82.17 – 149.59
Volume134.39K
Market Cap5.29B
P/E (TTM)0.00
Forward P/E11.04
EPS-0.29
Dividend Yield2.03%
Beta1.28
50-Day Avg133.02
200-Day Avg120.58

About

EQB Inc., through its subsidiary, Equitable Bank, provides personal and commercial banking services to retail and commercial customers in Canada. It accepts term deposits, guaranteed investment certificates, high-interest savings accounts, institutional deposit notes, and covered bonds, as well as specialized financing solutions. The company also offers single-family residential mortgages, reverse mortgages, and home equity lines of credit, as well as insurance loans. In addition, it provides business enterprise solutions, commercial finance group services, multi-unit insured financing, specialized finance, equipment leasing, credit union services, and Concentra Trust services, as well as digital banking services. 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Chadwick Westlake B.A., C.F.A.
  • Employees1.91K
  • HeadquartersEQ Bank Tower, Toronto, ON, Canada, M5A 0Y9, Canada
  • Websitehttps://eqb.investorroom.com

Leadership

  • Mr. Chadwick Westlake B.A., C.F.A.CEO, President & Director · b. 1980
  • Ms. Anilisa SainaniExecutive VP & CFO
  • Mr. Darren Lorimer C.F.A.Executive Vice President of Commercial Banking
  • Mr. Daniel BrotenSenior VP & Chief Digital Officer
  • Ms. Marlene LenarduzziSpecial Advisor
  • Mr. John SimoesSVP & Chief Accountant
  • Ms. Janet LinSenior VP & Chief Information Officer
  • Mr. Lemar Persaud C.A., C.F.A., CPASVP of Investor Relations & Enterprise Performance Management
  • Mr. Michael MignardiSenior VP, General Counsel & Corporate Secretary
  • Danielle MasonDirector of PR & Communications

Financials

Income Statement

Currency: CAD2003-10-312004-10-312005-10-312006-10-312007-10-312008-10-312009-10-312010-10-312011-10-312012-10-312013-10-312014-10-312015-10-312016-10-312017-10-312018-10-312019-10-312020-10-312021-10-312022-10-312023-10-312024-10-312025-10-31
Total Revenue66.32M75.47M97.07M138.55M179.20M218.30M200.68M385.70M438.34M483.20M508.56M522.97M581.99M663.92M751.49M887.72M1.15B1.18B1.17B1.66B3.05B3.34B3.11B
Growth (%)-+13.79%+28.63%+42.73%+29.34%+21.82%-8.07%+92.20%+13.65%+10.23%+5.25%+2.83%+11.29%+14.08%+13.19%+18.13%+29.68%+2.59%-1.14%+42.41%+83.60%+9.55%-6.89%
Cost of Revenue39.55M43.67M57.50M84.55M118.24M142.59M106.42M279.81M308.71M328.35M326.37M307.65M326.57M360.55M403.64M513.76M672.56M666.54M517.04M917.86M1.93B2.20B1.89B
Gross Profit26.77M31.80M39.57M54.00M60.97M75.70M94.25M105.89M129.63M154.85M182.19M215.32M255.43M303.37M349.39M373.96M478.67M514.55M650.58M744.93M3.05B1.15B1.23B
Gross Margin40.36%42.14%40.76%38.98%34.02%34.68%46.97%27.45%29.57%32.05%35.82%41.17%43.89%45.69%46.49%42.13%41.58%43.57%55.72%44.80%100.00%34.34%39.34%
Operating Expense9.55M-33.52M-45.21M-68.04M-97.37M-116.45M-73.91M-58.23M-255.82M50.18M57.51M71.64M87.96M116.54M130.57M149.36M199.57M214.06M260.18M376.47M2.18B594.10M853.62M
Operating Income17.22M65.32M84.78M122.04M158.34M192.16M168.17M164.12M385.44M104.67M124.68M143.67M167.46M186.83M218.81M224.59M279.10M300.49M390.40M368.46M871.32M554.33M371.50M
Operating Margin25.96%86.56%87.34%88.08%88.36%88.03%83.80%42.55%87.93%21.66%24.52%27.47%28.77%28.14%29.12%25.30%24.24%25.44%33.44%22.16%28.54%16.57%11.93%
EBITDA56.33M67.30M88.88M122.55M159.03M192.94M168.77M164.73M386.16M426.05M445.53M450.10M493.93M552.80M629.79M745.73M296.10M323.42M423.08M1.30B46.99M614.37M439.45M
EBITDA Margin84.93%89.17%91.56%88.45%88.74%88.38%84.10%42.71%88.09%88.17%87.61%86.07%84.87%83.26%83.81%84.00%25.72%27.38%36.23%77.94%1.54%18.37%14.11%
Net Income9.30M14.98M19.76M27.34M31.17M38.61M51.44M54.27M62.19M81.21M93.53M106.72M125.86M138.33M160.62M165.63M206.48M223.80M292.53M270.18M445.91M400.56M265.30M
Net Income Margin14.02%19.85%20.35%19.73%17.39%17.69%25.63%14.07%14.19%16.81%18.39%20.41%21.63%20.84%21.37%18.66%17.94%18.95%25.05%16.25%14.61%11.98%8.52%
Interest Expense38.90M45.30M56.78M83.65M117.34M139.14M99.82M92.68M301.53M320.36M319.64M305.02M322.93M358.11M402.10M511.68M654.16M624.26M524.71M880.61M536.36M2.09B1.75B
Interest Expense % of Total Revenue58.65%60.02%58.49%60.38%65.48%63.74%49.74%24.03%68.79%66.30%62.85%58.33%55.49%53.94%53.51%57.64%56.82%52.85%44.94%52.96%17.57%62.46%56.24%

Balance Sheet

Currency: CAD2003-10-312004-10-312005-10-312006-10-312007-10-312008-10-312009-10-312010-10-312011-10-312012-10-312013-10-312014-10-312015-10-312016-10-312017-10-312018-10-312019-10-312020-10-312021-10-312022-10-312023-10-312024-10-312025-10-31
Total Assets1.10B1.54B2.01B2.63B3.41B4.09B3.85B4.45B10.26B11.60B11.82B12.85B15.53B18.97B20.63B25.04B28.39B30.75B36.16B51.14B52.93B53.23B53.49B
Total Liabilities25.10M29.15M1.89B2.48B3.21B3.82B3.47B4.03B9.83B11.10B11.23B12.15B14.73B18.00B19.50B23.76B26.92B29.10B34.21B48.61B50.09B50.10B50.28B
Total Equity76.66M107.55M124.61M149.74M203.17M264.15M373.86M423.46M426.64M501.57M588.32M703.69M796.12M977.15M1.14B1.28B1.47B1.65B1.95B2.53B2.85B3.13B3.20B
Cash97.42M39.94M77.21M107.84M20.93M50.12M395.83M163.80M170.84M379.45M243.65M230.06M423.37M444.18M660.93M477.24M508.85M557.74M773.25M495.11M-1.32B591.64M717.25M
Total Debt17.30M29.15M51.44M66.04M82.52M96.51M105.79M109.74M5.17B5.39B4.69B4.54B6.65B7.93B7.82B9.82B11.10B12.84B13.58B19.54B17.37B19.27B13.12B
Net Debt-80.13M-10.79M-25.77M-41.80M61.59M46.39M-290.04M-54.05M5.00B5.01B4.45B4.31B6.00B7.46B7.06B9.08B10.59B12.29B12.80B19.04B18.68B18.68B16.82B

Cash Flow

Currency: CAD2003-10-312004-10-312005-10-312006-10-312007-10-312008-10-312009-10-312010-10-312011-10-312012-10-312013-10-312014-10-312015-10-312016-10-312017-10-312018-10-312019-10-312020-10-312021-10-312022-10-312023-10-312024-10-312025-10-31
Operating Cash Flow10.57M21.09M26.06M24.38M43.95M31.36M44.80M57.03M12.09M-139.28M-278.25M-57.06M243.90M-20.63M273.59M-30.36M307.70M325.18M693.26M29.89M596.45M-278.24M371.94M
Investing Cash Flow-170.46M-498.06M-432.29M-580.49M-885.47M-613.43M626.53M-826.68M12.04M290.15M189.38M44.73M-19.80M6.75M26.17M-133.00M-255.41M-251.03M-458.25M-766.77M-1.77B402.77M-66.58M
Financing Cash Flow198.85M419.48M443.50M586.73M749.61M616.26M-325.62M537.62M-8.54M57.73M-46.93M-1.26M-30.80M34.69M-83.01M-20.33M-20.05M-25.25M-19.50M458.74M1.26B-82.36M-179.75M
Capital Expenditure296.00K1.05M502.00K1.27M1.29M458.00K280.00K529.00K2.35M798.00K1.69M8.67M21.01M13.14M9.76M20.43M20.13M27.79M38.57M76.57M34.97M67.36M84.89M
Free Cash Flow10.28M20.05M25.56M23.11M42.66M30.91M44.52M56.50M9.75M-140.08M-279.94M-65.72M222.89M-33.77M263.83M-50.78M287.57M297.39M654.68M-46.69M561.49M-345.61M555.10M
Dividends Paid1.21M1.52M3.77M4.76M5.08M5.57M6.98M9.24M9.48M10.33M11.62M17.00M13.42M17.52M19.74M22.11M30.87M29.38M29.56M47.99M48.49M74.72M82.03M
FCF to OCF97.20%95.04%98.07%94.78%97.07%98.54%99.38%99.07%80.61%100.57%100.61%115.19%91.39%163.67%96.43%167.29%93.46%91.46%94.44%-156.22%94.14%124.21%149.24%
Dividend Paid to FCF11.76%7.57%14.73%20.60%11.91%18.03%15.67%16.35%97.22%-7.38%-4.15%-25.87%6.02%-51.88%7.48%-43.53%10.74%9.88%4.52%-102.80%8.64%-21.62%14.78%

Earnings

Report DateMay 10, 2004Aug 10, 2004Nov 9, 2004Feb 22, 2005May 10, 2005Aug 9, 2005Nov 9, 2005Feb 28, 2006May 5, 2006Aug 10, 2006Nov 7, 2006Feb 27, 2007May 1, 2007Aug 2, 2007Nov 1, 2007Feb 27, 2008May 1, 2008Jul 31, 2008Nov 7, 2008Feb 26, 2009May 7, 2009Aug 6, 2009Nov 5, 2009Feb 25, 2010May 11, 2010Aug 4, 2010Nov 3, 2010Feb 23, 2011May 17, 2011Aug 10, 2011Nov 2, 2011Feb 28, 2012Feb 29, 2012May 9, 2012Aug 9, 2012Nov 13, 2012Feb 26, 2013Feb 27, 2013May 9, 2013Aug 14, 2013Nov 13, 2013Feb 27, 2014Feb 28, 2014May 6, 2014Aug 14, 2014Nov 13, 2014Feb 24, 2015May 12, 2015Aug 13, 2015Nov 12, 2015Feb 29, 2016Mar 1, 2016May 12, 2016Aug 11, 2016Nov 10, 2016Feb 16, 2017May 1, 2017Aug 10, 2017Nov 9, 2017Feb 28, 2018Mar 1, 2018May 10, 2018Aug 9, 2018Nov 8, 2018Feb 28, 2019May 9, 2019Jul 30, 2019Jul 31, 2019Nov 5, 2019Feb 24, 2020May 13, 2020Jul 28, 2020Nov 3, 2020Feb 22, 2021May 4, 2021Jul 28, 2021Nov 2, 2021Feb 7, 2022May 10, 2022Aug 9, 2022Nov 8, 2022Feb 16, 2023Feb 17, 2023May 2, 2023Aug 1, 2023Dec 6, 2023Dec 7, 2023Feb 28, 2024May 29, 2024Aug 28, 2024Dec 4, 2024Feb 25, 2025May 28, 2025Aug 27, 2025Dec 3, 2025Feb 25, 2026May 26, 2026Aug 26, 2026Dec 2, 2026
EPS Estimate-0.160.170.180.190.200.210.220.240.260.280.300.320.330.320.350.360.350.380.290.280.360.390.390.400.390.410.440.450.510.340.56-0.550.630.610.66-0.640.660.710.74-0.790.820.810.860.860.920.920.97-0.920.971.051.101.121.061.011.19-1.171.101.271.351.371.39-1.561.561.441.441.541.861.821.912.022.122.102.182.112.38-2.452.583.653.642.842.682.992.912.772.532.501.992.151.982.182.49
EPS Actual0.140.160.170.180.190.200.210.230.250.280.300.320.330.300.340.270.370.400.370.270.400.400.410.480.370.390.420.510.500.490.420.550.530.560.580.650.630.630.650.720.720.830.820.780.830.860.800.911.030.970.970.960.861.021.081.281.271.141.111.181.181.171.231.401.171.341.591.581.591.611.651.432.152.071.992.034.142.292.511.752.352.461.192.622.983.803.802.762.812.812.512.982.312.071.532.262.032.12-
Surprise-0.00%0.00%0.00%0.00%0.00%0.00%4.55%4.17%7.69%7.14%6.67%3.13%-9.09%6.25%-22.86%2.78%14.29%-2.63%-6.90%42.86%11.11%5.13%23.08%-7.50%0.00%2.44%15.91%11.11%-3.92%23.53%-1.79%-1.82%-7.94%6.56%-4.55%-1.56%9.09%1.41%12.16%--1.27%1.22%6.17%-6.98%5.81%11.96%5.43%0.00%--6.52%5.15%2.86%16.36%13.39%7.55%9.90%-0.84%-0.00%11.82%10.24%-13.33%-2.19%14.39%-1.92%3.21%14.58%-0.69%39.61%11.29%9.34%6.28%104.95%8.02%19.52%-19.72%11.37%3.36%-6.94%15.50%4.11%4.40%-2.82%4.85%-6.02%-13.75%7.58%-8.70%-17.20%-23.12%5.12%2.53%-2.75%-
Timing-----------------Pre-market---------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.29B
Enterprise Value16.90B
Trailing P/E0.00
Forward P/E11.04
PEG Ratio0.27
Price / Sales6.05
Price / Book1.32
EPS-0.29
Book Value94.97
Revenue (TTM)875.56M
Gross Profit (TTM)875.56M
Profit Margin-0.28%
Operating Margin-172.18%
Return on Equity-0.03%
Return on Assets0.00%
Shares Outstanding42.57M
Shares Float22.49M
Beta1.28
Dividend Yield2.03%
Dividend Rate2.52
Payout Ratio30.23%

Dividends

20263×
0.63Sep 15, 20260.61Jun 15, 20260.59Mar 13, 2026
20254×
0.57Dec 15, 20250.55Sep 15, 20250.53Jun 13, 20250.51Mar 14, 2025
20244×
0.49Dec 13, 20240.47Sep 13, 20240.45Jun 14, 20240.42Mar 14, 2024
20234×
0.40Dec 19, 20230.38Sep 14, 20230.37Jun 14, 20230.35Mar 14, 2023
20224×
0.33Dec 14, 20220.31Sep 14, 20220.29Jun 14, 20220.28Mar 14, 2022
20214×
0.18Dec 14, 20210.18Sep 14, 20210.18Jun 14, 20210.18Mar 12, 2021
20201×
0.18Dec 14, 2020

Stock Splits

  • Oct 26, 20212:1