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EQBK vs OSBC
Equity Bancshares (EQBK) vs Old Second Bancorp (OSBC) Earnings Preview: Q1 Results in Focus
Key Takeaways
- Equity Bancshares (EQBK) reports Q1 2026 earnings on April 14, with consensus EPS of $1.16 and revenue of $82.4 million, reflecting strong growth expectations post recent acquisitions.
- Old Second Bancorp (OSBC) follows on April 22, targeting EPS around $0.51 amid stable net interest margin (NIM, the difference between interest income and funding costs).
- Both regional banks delivered solid Q4 2025 results: EQBK at $1.15 EPS and $63.5 million NII; OSBC at $0.54 diluted EPS and $83.1 million NII.
- EQBK expanded assets to $6.4 billion via M&A (mergers and acquisitions); OSBC holds $6.9 billion in assets with consistent profitability.
- Analysts favor both for NIM resilience and loan growth, with EQBK targeting over $5 annual EPS.
Earnings Context and Why This Comparison Matters
Equity Bancshares and Old Second Bancorp operate as regional bank holding companies, serving commercial and retail clients in the Midwest and beyond. EQBK, based in Wichita, Kansas, focuses on relationship banking across multiple states through Equity Bank. OSBC, headquartered in Aurora, Illinois, provides similar services via Old Second National Bank, emphasizing community-oriented lending and deposits.
Upcoming Q1 earnings offer insights into NIM stability amid interest rate shifts, loan portfolio health, and deposit growth. As peers in the regional banking sector, their results highlight strategies for navigating economic pressures like funding costs and credit risk, making this comparison key for investors eyeing resilient performers.
Equity Bancshares Focus
Equity Bancshares enters Q1 2026 with momentum from Q4 2025, where net income hit $22.1 million ($1.15 diluted EPS), up from prior losses, driven by $63.5 million NII and margin expansion. Full-year 2025 NII rose 21.4% to $226.1 million, fueled by balance sheet growth to $6.4 billion following Frontier and NBC acquisitions.
Analysts project Q1 EPS of $1.16 (range $0.98-$1.16) and revenue near $82.4 million, a 36% year-over-year increase, supported by purchase accounting accretion (16 basis points to margin) and organic loan expansion. Key watches include ROTCE (return on tangible common equity, a profitability measure excluding intangibles) and CET1 (Common Equity Tier 1, core capital ratio for regulatory strength). Management eyes over $5 EPS for 2026, signaling acquisition-driven scale.
Old Second Bancorp Context
Old Second Bancorp's Q4 2025 showcased resilience with $28.8 million net income ($0.54 diluted EPS, $0.58 adjusted), NII of $83.1 million, and NIM at 5.1%. Assets stood at $6.9 billion, with ROA (return on assets, profitability per asset dollar) at 1.64% and ROTCE at 16.15%.
For Q1 on April 22, consensus points to $0.51 EPS and ~$80.9 million revenue. Recent performance reflects steady deposit funding and mid-single-digit loan growth guidance, bolstered by a $43.9 million buyback authorization. Efficiency ratio improved to 53.98%, underscoring operational strength versus peers.
Head-to-Head Earnings and Market Comparison
EQBK (~$950 million market cap) emphasizes aggressive M&A for scale, yielding higher EPS potential but elevated integration risks (e.g., NCO, non-performing loan charges). NIM trends upward, with assets growing ~50% yearly, though ROE trails at ~3-12% TTM (trailing twelve months).
OSBC (~$1.1 billion market cap) prioritizes organic stability, boasting superior NIM (5.1%), ROE (10.24%), and ROA (1.28%), with lower volatility. Both maintain strong CET1 ratios, but OSBC's deposit mix and efficiency edge reduce funding risks.
Sentiment leans positive: EQBK for growth upside; OSBC for consistency. Q1 beats could hinge on NIM above 4.4% for EQBK and deposit betas (rate sensitivity) for OSBC.
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Tickeron AI Verdict
Tickeron AI currently favors OSBC (65% probability) for superior earnings quality, higher ROE/ROA, stable NIM, and lower risk profile versus EQBK's growth-oriented but acquisition-heavy strategy.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EQBK is a Hold and OSBC is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
EQBK’s FA Score shows that 1 FA rating(s) are green whileOSBC’s FA Score has 1 green FA rating(s).
- EQBK’s FA Score: 1 green, 4 red.
- OSBC’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
EQBK’s TA Score shows that 4 TA indicator(s) are bullish while OSBC’s TA Score has 5 bullish TA indicator(s).
- EQBK’s TA Score: 4 bullish, 5 bearish.
- OSBC’s TA Score: 5 bullish, 3 bearish.
Price Growth
EQBK (@Regional Banks) experienced а -2.80% price change this week, while OSBC (@Regional Banks) price change was -1.49% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.10%. For the same industry, the average monthly price growth was +6.29%, and the average quarterly price growth was +10.68%.
Reported Earning Dates
EQBK is expected to report earnings on Jul 21, 2026.
OSBC is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (-0.10% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| EQBK | OSBC | EQBK / OSBC | |
| Capitalization | 962M | 1.13B | 85% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 4.796 | 13.035 | 37% |
| P/E Ratio | 39.49 | 13.11 | 301% |
| Revenue | 229M | 354M | 65% |
| Total Cash | 699M | 51.7M | 1,352% |
| Total Debt | 446M | 300M | 149% |
EQBK | OSBC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 43 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 88 Overvalued | 66 Overvalued | |
PROFIT vs RISK RATING 1..100 | 46 | 34 | |
SMR RATING 1..100 | 71 | 46 | |
PRICE GROWTH RATING 1..100 | 49 | 47 | |
P/E GROWTH RATING 1..100 | 4 | 23 | |
SEASONALITY SCORE 1..100 | 50 | 42 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
OSBC's Valuation (66) in the Regional Banks industry is in the same range as EQBK (88). This means that OSBC’s stock grew similarly to EQBK’s over the last 12 months.
OSBC's Profit vs Risk Rating (34) in the Regional Banks industry is in the same range as EQBK (46). This means that OSBC’s stock grew similarly to EQBK’s over the last 12 months.
OSBC's SMR Rating (46) in the Regional Banks industry is in the same range as EQBK (71). This means that OSBC’s stock grew similarly to EQBK’s over the last 12 months.
OSBC's Price Growth Rating (47) in the Regional Banks industry is in the same range as EQBK (49). This means that OSBC’s stock grew similarly to EQBK’s over the last 12 months.
EQBK's P/E Growth Rating (4) in the Regional Banks industry is in the same range as OSBC (23). This means that EQBK’s stock grew similarly to OSBC’s over the last 12 months.
| EQBK | OSBC | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 68% | 3 days ago 68% |
| Stochastic ODDS (%) | 3 days ago 70% | 3 days ago 57% |
| Momentum ODDS (%) | 3 days ago 64% | 3 days ago 71% |
| MACD ODDS (%) | 3 days ago 60% | 3 days ago 61% |
| TrendWeek ODDS (%) | 3 days ago 62% | 3 days ago 55% |
| TrendMonth ODDS (%) | 3 days ago 56% | 3 days ago 60% |
| Advances ODDS (%) | 9 days ago 60% | 9 days ago 64% |
| Declines ODDS (%) | 20 days ago 64% | N/A |
| BollingerBands ODDS (%) | 3 days ago 62% | 3 days ago 51% |
| Aroon ODDS (%) | 3 days ago 53% | 3 days ago 52% |
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| PRJZX | 43.42 | 1.50 | +3.58% |
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| JHancock Disciplined Value Em Mkts Eq A | |||
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EQBK and
Correlation & Price change
A.I.dvisor indicates that over the last year, EQBK has been closely correlated with GSBC. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if EQBK jumps, then GSBC could also see price increases.
| Ticker / NAME | Correlation To EQBK | 1D Price Change % | ||
|---|---|---|---|---|
| EQBK | 100% | +0.24% | ||
| GSBC - EQBK | 82% Closely correlated | +0.81% | ||
| OSBC - EQBK | 79% Closely correlated | +1.06% | ||
| BY - EQBK | 78% Closely correlated | +0.26% | ||
| PRK - EQBK | 77% Closely correlated | +1.91% | ||
| BHRB - EQBK | 77% Closely correlated | +0.68% | ||
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OSBC and
Correlation & Price change
A.I.dvisor indicates that over the last year, OSBC has been closely correlated with FRME. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if OSBC jumps, then FRME could also see price increases.
| Ticker / NAME | Correlation To OSBC | 1D Price Change % | ||
|---|---|---|---|---|
| OSBC | 100% | +1.06% | ||
| FRME - OSBC | 84% Closely correlated | +0.32% | ||
| BY - OSBC | 83% Closely correlated | +0.26% | ||
| GSBC - OSBC | 83% Closely correlated | +0.81% | ||
| MBWM - OSBC | 82% Closely correlated | +0.92% | ||
| BUSE - OSBC | 82% Closely correlated | +0.86% | ||
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