EQB Inc (EQGPF) Fair Value & Analysis

Financial Services · US · Market cap $3.1B

Below-average quality, and screening another 31% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($86.33). The favourable scenario is already priced in.
• Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $12.72 – $105.72 · fair‑value band $51.80 – $86.33 · the $100.00 price screens above the $69.07 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

EQB Inc (EQGPF) currently trades at $100.00, while our model-based Fair Value estimate is $69.07, implying the stock looks roughly 30.9% overvalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, EQB Inc generated revenue of $1.1B at a net margin of 18.7%. Revenue declined 10.0% year over year. It earns a return on equity of 6.1%. Net debt stands at $16.8B. Fundamentals as of Jul 26, 2026

Our scenario range runs from $51.80 (bear case) to $86.33 (bull case); at $100.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 69% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -31%, EQGPF screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($97.33) versus Asset-Based ($60.57). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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 description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

EQB Inc reported revenue of $3.1B in FY2025 versus $643M in FY2021, a compound +48.4%/yr. Reported net income was $265M in FY2025, compounding −2.4%/yr from FY2021.

EQGPF screens 31% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.