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EQUITY BANCSHARES INC (EQBK)

EQUITY BANCSHARES INC (EQBK)

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Cash Flow Overview

Free Cash flow
$35,522K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales, calls, pay-...
    • Net change in loans
    • Net borrowings (repayments) on f...
    • Others
Negative Cash Flow Breakdown
    • Purchases of available-for-sale ...
    • Purchase of government guarantee...
    • Principal payments on bank stock...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
26,439
16,966
22,084
-29,663
Stock-based compensation
1,592
1,540
1,414
1,582
Depreciation
1,965
1,574
1,607
1,593
Amortization of operating lease right-of-use asset
345
339
124
119
Amortization of cloud computing implementation costs
1
18
20
21
Provision (reversal) for credit losses
1,304
5,955
-16
6,228
Net amortization (accretion) of purchase valuation adjustments
3,362
3,350
2,556
2,776
Amortization (accretion) of premiums and discounts on securities
-2,941
-2,996
-2,356
-1,115
Amortization of intangible assets
2,315
2,003
1,335
1,255
Deferred income taxes
1,316
2,196
-5,053
1,076
Federal home loan bank stock dividends
-242
-256
-184
-231
Loss (gain) on sales and valuation adjustments on other real estate owned
81
-9
119
-739
Net loss (gain) on sales and settlements of securities
0
0
14
-53,320
Change in unrealized (gains) losses on equity securities
-1,213
-108
22
-32
Loss (gain) on disposal of premises and equipment
762
430
-14
-47
Loss (gain) on lease termination
-
-
0
-3
Loss (gain) on sales and valuation adjustments on foreclosed assets
-
51
-
18
Loss (gain) on sales of foreclosed assets
-
-
49
-
Loss (gain) on sales and valuation adjustments on repossessed assets
92
-
-
-
Loss on debt extinguishment
0
-
0
0
Loss (gain) on sales of loans
518
302
148
53
Originations of loans held for sale
21,922
19,377
9,137
3,247
Proceeds from the sale of loans held for sale
27,256
14,975
8,510
2,899
Increase in the value of bank-owned life insurance
1,826
1,398
1,410
1,393
Change in fair value of derivatives recognized in earnings
-145
-47
-5
22
Gain on acquisition and branch sales
-
-
0
0
Payments on operating lease payable
395
460
156
152
Interest receivable
-2,079
-4,263
-1,744
1,909
Other assets
764
-10,055
26,386
7,187
Interest payable and other liabilities
5,658
-16,047
3,646
-12,675
Net cash provided by operating activities
38,826
15,329
-7,051
8,473
Purchases of available-for-sale securities
223,942
213,955
254,255
462,337
Purchases of held-to-maturity securities
-
-
0
-
Proceeds from sales, calls, pay-downs and maturities of available-for-sale securities
116,152
196,960
123,305
565,383
Proceeds from calls, pay-downs and maturities of held-to-maturity securities
102
10
9
8
Net change in interest-bearing time deposits
354
-257
0
-9
Net change in loans
-73,293
-56,372
-69,683
1,907
Purchase of mortgage loans
15,923
-
-
-
Purchase of government guaranteed loans
33,596
0
0
0
Capitalized construction cost of other real estate owned
-
-
0
-
Purchase of premises and equipment
3,304
3,796
5,485
4,022
Proceeds from sale of premises and equipment
1,649
1,403
1
-3
Proceeds from sale of foreclosed assets
60
619
216
377
Net redemptions (purchases) of federal home loan bank and federal reserve bank stock
3,671
-2,021
156
-2,011
Net redemptions (purchases) of correspondent and miscellaneous other stock
24
676
70
82
Proceeds from sale of other real estate owned
1,336
380
138
1,110
Purchase of bank-owned life insurance
-
-
0
-
Proceeds from investments in tax credit structures and resulting contractual obligations
100
851
-
-
Proceeds from bank owned life insurance death benefits
808
0
0
0
Net cash (paid) received from acquisition-NBCCorp
-
-
-300,862
150,431
Net cash (paid) received from acquisition-Rockhold
-
-
0
-
Net cash (paid) received from acquisition-Kansas Land
-
-
0
-
Cash acquired in purchase of frontier holdings, llc
1
12,818
-
-
Net cash (used in) provided by investing activities
-86,605
52,750
-66,614
250,960
Net increase (decrease) in deposits
3,350
30,328
43,401
53,676
Net change in federal funds purchased and retail repurchase agreements
3,817
-855
-2,356
1,258
Net borrowings (repayments) on federal home loan bank line of credit
47,769
50,250
-41,377
-42,299
Proceeds from federal home loan bank term advances
0
159,454
300,000
296,466
Principal repayments on federal home loan bank term advances
10,000
302,204
300,000
300,000
Proceeds from federal reserve bank borrowings
1,000
1,000
1,000
2,000
Principal payments on federal reserve bank borrowings
1,000
1,000
1,000
1,000
Proceeds from issuance of common stock, net
0
0
0
0
Proceeds from the exercise of employee stock options
0
0
133
71
Proceeds from employee stock purchase plan
0
524
0
436
Proceeds from subordinated debt
-
-
0
75,000
Debt issue cost
-
-
141
1,054
Principal payments on subordinated debt
0
-
0
0
Principal payments on other borrowings
-
22,486
-
-
Principal payments on bank stock loan
22,486
-
0
-
Purchase of treasury stock
9,885
22,682
7,185
6,527
Net change in contractual obligations
-1,158
-530
-6,957
-625
Dividends paid on common stock
3,748
3,530
3,446
2,629
Net cash (used in) provided by financing activities
30,145
-111,731
-17,928
73,773
Net change in cash and cash equivalents
-17,634
-43,652
-91,593
333,206
Cash and cash equivalents, beginning of period
564,165
607,817
699,410
383,747
Ending cash and cash equivalents
546,531
564,165
607,817
699,410
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from the sale ofloans held for sale$27,256K (106.97%↑ Y/Y)Net income$26,439K (-12.76%↓ Y/Y)Net borrowings(repayments) on federal home...$47,769K (-76.77%↓ Y/Y)Interest payable andother liabilities$5,658K (385.33%↑ Y/Y)Amortization of intangibleassets$2,315K (5.56%↑ Y/Y)Interest receivable-$2,079K (22.57%↑ Y/Y)Depreciation$1,965K (-31.77%↓ Y/Y)Stock-based compensation$1,592K (-39.67%↓ Y/Y)Deferred income taxes$1,316K (216.67%↑ Y/Y)Provision (reversal) forcredit losses$1,304K (-52.43%↓ Y/Y)Change in unrealized(gains) losses on equity...-$1,213K (-11127.27%↓ Y/Y)Amortization of operatinglease right-of-use...$345K (39.11%↑ Y/Y)Change in fair value ofderivatives recognized in...-$145K (24.87%↑ Y/Y)Amortization of cloudcomputing implementation...$1K (-97.56%↓ Y/Y)something is missing$22,486K Net change infederal funds purchased...$3,817K (562.11%↑ Y/Y)Net increase(decrease) in deposits$3,350K (102.39%↑ Y/Y)Proceeds from federalreserve bank borrowings$1,000K (0.00%↑ Y/Y)Net cash provided byoperating activities$38,826K (-22.26%↓ Y/Y)Net cash (used in)provided by financing...$30,145K (250.29%↑ Y/Y)Canceled cashflow$32,905K Canceled cashflow$48,277K Net change in cashand cash...-$17,634K (-0.52%↓ Y/Y)Canceled cashflow$68,971K Proceeds from sales,calls, pay-downs and...$116,152K (-11.48%↓ Y/Y)Net change in loans-$73,293K (-296.82%↓ Y/Y)Proceeds from sale ofpremises and equipment$1,649K (266.44%↑ Y/Y)Proceeds from sale ofother real estate...$1,336K (192.98%↑ Y/Y)Proceeds from bank ownedlife insurance death...$808K (-81.24%↓ Y/Y)Net change ininterest-bearing time deposits$354K Proceeds from calls,pay-downs and maturities...$102K (920.00%↑ Y/Y)Proceeds frominvestments in tax credit...$100K Proceeds from sale offoreclosed assets$60K (-98.81%↓ Y/Y)Cash acquired inpurchase of frontier...$1K Originations of loans held forsale$21,922K (73.72%↑ Y/Y)Net amortization(accretion) of purchase...$3,362K (138.27%↑ Y/Y)Amortization (accretion) ofpremiums and discounts on...-$2,941K (-230.82%↓ Y/Y)Increase in the value ofbank-owned life insurance$1,826K (-62.84%↓ Y/Y)Other assets$764K (104.88%↑ Y/Y)Loss (gain) ondisposal of premises and...$762K (5180.00%↑ Y/Y)Loss (gain) on salesof loans$518K (104.74%↑ Y/Y)Payments on operatinglease payable$395K (28.66%↑ Y/Y)Federal home loan bankstock dividends-$242K (61.09%↑ Y/Y)Loss (gain) on salesand valuation...$92K Loss (gain) on salesand valuation...$81K (912.50%↑ Y/Y)Principal payments on bankstock loan$22,486K Principal repayments onfederal home loan bank...$10,000K (-98.33%↓ Y/Y)Purchase of treasurystock$9,885K (3507.66%↑ Y/Y)Dividends paid on commonstock$3,748K (-29.84%↓ Y/Y)Net change incontractual obligations-$1,158K (75.76%↑ Y/Y)Principal payments onfederal reserve bank...$1,000K (0.00%↑ Y/Y)Net cash (used in)provided by investing...-$86,605K (-82.60%↓ Y/Y)Canceled cashflow$193,855K Purchases ofavailable-for-sale securities$223,942K (183.69%↑ Y/Y)Purchase of governmentguaranteed loans$33,596K (-45.80%↓ Y/Y)Purchase of mortgageloans$15,923K Net redemptions(purchases) of federal home...$3,671K (-42.08%↓ Y/Y)Purchase of premises andequipment$3,304K (-11.80%↓ Y/Y)Net redemptions(purchases) of...$24K (-96.37%↓ Y/Y)