Financial Ratios EQB Inc.

Stocks

EQB

CA26886R1047

Consumer Lending

Market Closed - Toronto S.E. Other stock markets 21:00:00 10/07/2026 BST			5-day change	1st Jan Change
137.91 ^CAD	+1.23%		-0.89%	+32.75%

07-08	TSX Closer: Index Drops as Financial, Mining Losses Outweigh Energy Surge; US-Iran Fighting Hikes Inflation Fears	MT
07-03	EQB Price Target Raised to $151 at CIBC	MT

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Published financial data: EQB INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	1.08B	1.56B	2.73B	2.96B	2.74B
Interest Income On Investments	23.98M	58.23M	163M	175M	184M
Interest Income, Total	1.11B	1.62B	2.89B	3.14B	2.92B
Interest On Deposits	308M	579M	1.29B	1.49B	1.32B
Total Interest On Borrowings	217M	304M	589M	599M	511M
Interest Expense, Total	525M	883M	1.88B	2.09B	1.83B
Net Interest Income	583M	733M	1.01B	1.05B	1.09B
Gain (Loss) on Sale of Loans	38.14M	17.73M	109M	124M	76.78M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	22.16M	31.06M	56.27M	81.09M	91.33M
Non Interest Income, Total	60.3M	48.78M	165M	205M	168M
Revenues Before Provison For Loan Losses	643M	782M	1.17B	1.26B	1.26B
Provision For Loan Losses	-7.67M	37.26M	46.63M	107M	137M
Total Revenues	651M	745M	1.12B	1.15B	1.12B
Salaries And Other Employee Benefits	122M	173M	227M	254M	281M
Selling General & Admin Expenses, Total	22.46M	25.38M	29.99M	34.86M	205M
Total Other Non Interest Expense	116M	178M	265M	305M	244M
Non Interest Expense, Total	260M	376M	522M	594M	730M
EBT, Excl. Unusual Items	390M	368M	602M	554M	394M
Restructuring Charges	-	-	-	-	-22.69M
EBT, Incl. Unusual Items	390M	368M	602M	554M	371M
Income Tax Expense	97.88M	98.28M	157M	153M	105M
Earnings From Continuing Operations	293M	270M	446M	402M	267M
Net Income to Company	293M	270M	446M	402M	267M
Minority Interest	-	-	-	-1.11M	-1.31M
Net Income - (IS)	293M	270M	446M	401M	265M
Preferred Dividend and Other Adjustments	4.41M	5.57M	8.4M	10.73M	8.82M
Net Income to Common Incl Extra Items	288M	265M	438M	390M	256M
Net Income to Common Excl. Extra Items	288M	265M	438M	390M	256M
Per Share Items
Net EPS - Basic	8.49	7.63	11.6	10.19	6.7
Basic EPS - Continuing Operations	8.49	7.63	11.6	10.19	6.7
Basic Weighted Average Shares Outstanding	33.95M	34.69M	37.71M	38.24M	38.31M
Net EPS - Diluted	8.36	7.55	11.51	10.11	6.65
Diluted EPS - Continuing Operations	8.36	7.55	11.51	10.11	6.65
Diluted Weighted Average Shares Outstanding	34.45M	35.03M	38.01M	38.55M	38.56M
Normalized Basic EPS	7.19	6.64	9.99	9.03	6.4
Normalized Diluted EPS	7.08	6.57	9.91	8.96	6.36
Dividend Per Share	0.74	1.21	1.32	1.74	2.08
Payout Ratio	10.1	18.01	13.05	19.3	33.38
Supplemental Items
Effective Tax Rate - (Ratio)	25.07	26.67	25.99	27.54	28.23
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	95.56M	84.9M	101M	134M	84.2M
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	2.31M	13.37M	55.69M	18.4M	20.7M
Normalized Net Income	244M	230M	377M	345M	245M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	6.78M	10.25M	12.6M	18.01M	23.5M
Total Stock-Based Compensation	6.78M	10.25M	12.6M	18.01M	23.5M

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	773M	495M	549M	592M	717M
Investment Securities, Total	1.39B	2.28B	2.83B	2.8B	3.2B
Trading Asset Securities, Total	268M	445M	466M	394M	344M
Total investments	1.65B	2.73B	3.3B	3.2B	3.54B
Gross Loans	33.05B	46.78B	47.64B	47.31B	46.59B
Allowance For Loan Losses	-48.95M	-96.78M	-84.69M	-109M	-207M
Other Adjustments to Gross Loans	-100M	-168M	-199M	-170M	-154M
Net Loans	32.9B	46.51B	47.36B	47.03B	46.23B
Gross Property Plant And Equipment	-	-	-	175M	255M
Accumulated Depreciation	-	-	-	-55.99M	-60.62M
Net Property Plant And Equipment	21.57M	36.18M	35.21M	119M	195M
Goodwill	16.94M	57.6M	57.6M	111M	92.54M
Other Intangibles, Total	92.57M	145M	154M	71.18M	64.1M
Accrued Interest Receivable	2.8M	7.56M	12.41M	12.61M	10.95M
Other Receivables	9.68M	13.12M	28.02M	6.75M	24.38M
Restricted Cash	462M	738M	767M	972M	1.33B
Other Current Assets, Total	16.76M	42.73M	93.56M	141M	138M
Deferred Tax Assets Long-Term (Collected)	-	-	14.23M	36.1M	36.43M
Other Real Estate Owned And Foreclosed	53K	375K	395K	-	-
Deferred Charges Long-Term	-	-	-	127M	84.52M
Other Long-Term Assets, Total	208M	373M	559M	814M	1.03B
Total Assets	36.16B	51.14B	52.93B	53.23B	53.49B
Liabilities
Accounts Payable, Total	144M	208M	318M	307M	342M
Accrued Expenses, Total	50.4M	57.54M	21.29M	20M	45.15M
Interest Bearing Deposits	20.66B	30.67B	31.47B	33.09B	36.01B
Total Deposits	20.66B	30.67B	31.47B	33.09B	36.01B
Short-Term Borrowings	1.43B	885M	1.28B	122M	199M
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	11.58B	16.26B	16.24B	15.54B	12.65B
Long-Term Leases	8.6M	10.33M	4.56M	69.78M	108M
Current Income Taxes Payable	43.42M	-	2.85M	15M	5.62M
Accrued Interest Payable	197M	381M	525M	646M	604M
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	-
Unearned Revenue Non Current	818K	2.42M	18.3M	2.49M	2.01M
Deferred Tax Liability Non-Current	63.14M	72.68M	128M	178M	199M
Other Non Current Liabilities	38.51M	58.18M	81.15M	101M	113M
Total Liabilities	34.21B	48.61B	50.09B	50.1B	50.28B
Preferred Stock Redeemable	70.61M	181M	181M	-	-
Total Preferred Equity	70.61M	181M	181M	-	-
Common Stock, Total	230M	463M	471M	506M	503M
Additional Paid In Capital	8.69M	11.44M	12.8M	-	-
Retained Earnings	1.65B	1.87B	2.19B	2.48B	2.57B
Comprehensive Income and Other	-7.58M	9.44M	-5.16M	139M	134M
Total Common Equity	1.88B	2.35B	2.66B	3.13B	3.2B
Minority Interest	-	-	-	10.38M	8.23M
Total Equity	1.95B	2.53B	2.85B	3.14B	3.21B
Total Liabilities And Equity	36.16B	51.14B	52.93B	53.23B	53.49B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	34.07M	37.56M	37.88M	38.45M	37.59M
ECS Total Common Shares Outstanding	34.07M	37.56M	37.88M	38.45M	37.59M
Book Value / Share	55.24	62.65	70.33	81.35	85.23
Tangible Book Value	1.77B	2.15B	2.45B	2.95B	3.05B
Tangible Book Value Per Share	52.02	57.25	64.74	76.62	81.06
Average Assets	-	-	-	-	-
Average Loans	30.21B	37.22B	47.31B	47.37B	46.6B
Total Debt	13.01B	17.16B	17.52B	15.73B	12.96B
Deposits at Interest - Cash	773M	495M	549M	592M	717M
Net Debt	11.42B	16.02B	15.6B	13.49B	10.29B
Equity Method Investments, Total	-	-	-	50.05M	49.88M
Full Time Employees	1.16K	1.68K	1.74K	1.8K	1.9K

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	293M	270M	446M	401M	265M
Depreciation, Depletion & Amortization	32.67M	46.87M	46.99M	28.32M	11.11M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	2.93M	7.88M
Total Depreciation, Depletion & Amortization	32.67M	46.87M	46.99M	31.25M	18.98M
Amortization of Deferred Charges, Total	-	-	-	28.79M	48.96M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-18.19M	-22.42M	-56.34M	-66.35M	-62.16M
(Gain) Loss on Sale of Investments - (CF)	190K	1.22M	9.21M	-14.91M	-9.06M
Total Asset Writedown	-	-	-	-	56.54M
Provision for Credit Losses	-7.67M	37.26M	46.63M	107M	137M
Stock-Based Compensation (CF)	2.54M	3.42M	3.45M	4.02M	4.64M
Change in Other Net Operating Assets (Collected)	-3.97B	-3.99B	-1.65B	-2.56B	-3.02B
Other Operating Activities	79.02M	-15.23M	159M	199M	111M
Cash from Operations	-3.59B	-3.67B	-999M	-1.88B	-2.45B
Capital Expenditure	-38.57M	-76.57M	-41.96M	-67.36M	-84.89M
Cash Acquisitions	-	-495M	-	-75.48M	-4.24M
Investment in Marketable and Equity Securities, Total	-380M	-26.04M	22.33M	469M	-30.47M
Other Investing Activities, Total	-39.77M	-169M	94.79M	76.24M	53.03M
Cash from Investing	-458M	-767M	75.16M	403M	-66.58M
Long-Term Debt Issued, Total	-	275M	-	-	-
Total Debt Issued	-	275M	-	-	-
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-	-	-	-	-
Issuance of Common Stock	10.06M	232M	15.79M	181M	8.42M
Repurchase of Common Stock	-	-	-	-	-97.32M
Repurchase of Preferred Stock	-	-	-	-184M	-
Common Dividends Paid	-25.15M	-43.08M	-49.79M	-69.17M	-88.55M
Preferred Dividends Paid	-4.41M	-5.57M	-8.4M	-8.14M	-
Common & Preferred Stock Dividends Paid	-29.56M	-48.65M	-58.19M	-77.31M	-88.55M
Net Increase (Decrease) in Deposit Accounts - (CF)	4.29B	3.7B	1.04B	1.6B	2.82B
Other Financing Activities, Total	-	-	-7.48M	-2.56M	-2.3M
Cash from Financing	4.27B	4.16B	989M	1.51B	2.64B
Net Change in Cash	216M	-278M	65.24M	42.17M	126M
Supplemental Items
Cash Interest Paid	518M	561M	1.47B	1.75B	1.74B
Cash Income Tax Paid (Refund)	53.5M	157M	108M	98.04M	108M
Net Debt Issued / Repaid	-	275M	-	-	-

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.87	0.62	-	0.76	0.5
Return On Equity %	16.25	12.04	-	13.43	8.4
Return on Common Equity	16.67	12.49	-	13.46	8.1
Shareholders Value Added	85.09M	16.05M	-	55.98M	-92.53M
Margin Analysis
SG&A Margin	22.23	26.68	22.87	25.18	43.22
Net Interest Income / Total Revenues %	89.55	98.45	89.48	91.47	97.27
EBT Excl. Non-Recurring Items Margin %	60.01	49.46	53.59	48.27	35.06
Income From Continuing Operations Margin %	44.96	36.27	39.67	34.98	23.71
Net Income Margin %	44.96	36.27	39.67	34.88	23.59
Net Avail. For Common Margin %	44.29	35.52	38.92	33.95	22.81
Normalized Net Income Margin	37.51	30.91	33.5	30.07	21.79
Asset quality
Nonperforming Loans / Total Loans %	0.28	0.3	0.8	1.44	1.87
Nonperforming Loans / Total Assets %	0.25	0.27	0.72	1.28	1.63
Nonperforming Assets / Total Assets %	0.25	0.27	0.72	1.28	1.63
NPAs / Loans and OREO	0.28	0.3	0.8	1.44	1.87
NPAs / Equity	4.66	5.48	13.35	21.66	27.12
Allowance for Credit Losses / Net Charge-offs %	512.34	1.3K	-	174.99	219.68
Allowance for Credit Losses / Nonperforming Loans %	53.81	69.87	22.31	16.06	23.75
Allowance for Credit Losses / Total Loans %	0.15	0.21	0.18	0.23	0.44
Net Charge-offs / Total Average Loans %	0.03	0.02	-	0.13	0.2
Provision for Loan Losses / Net Charge-offs %	-80.32	500.85	-	171.55	145.99
Earning Assets / IBL	104.68	101.41	-	105.18	106.45
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.17	4.85	-	5.46	5.93
Total Average Equity / Total Average Assets %	5.38	5.14	-	5.64	5.95
Total Equity + Allowance for Loan Losses / Total Loans %	6.06	5.63	6.15	6.84	7.32
Gross Loans / Total Deposits %	159.97	152.51	151.39	142.97	129.38
Net Loans / Total Deposits %	159.25	151.64	150.49	142.12	128.38
Tier 1 Capital Ratio %	13.9	14.7	14.6	15	14.1
Total Capital Ratio %	14.2	15.1	15.2	15.6	15.8
Core Tier 1 Capital Ratio	13.3	13.7	14	14.3	13.3
Tier 2 Capital Ratio	0.31	0.42	0.54	0.56	1.74
Coverage Ratio	53.81	69.87	22.31	16.06	23.75
Interbank Ratio	83.92	36.51	80.55	-	1.53K
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	2.8	2.21	2.02	1.93	1.73
EBT + Interest Expense / Interest Expense	1.74	1.42	1.32	1.27	1.2
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	17.13	25.88	-	4.43	1.91
Non Interest Income, 1 Yr. Growth %	1.47	-19.1	-	24.32	-7.77
Provision For Loan Losses, 1 Yr. Growth %	-118.15	-585.51	-	129.51	28.42
Total Revenues, 1 Yr. Growth %	26.44	14.5	-	2.16	-2.1
Earnings From Cont. Operations, 1 Yr. Growth %	30.71	-7.64	-	-9.92	-33.63
Net Income, 1 Yr. Growth %	30.71	-7.64	-	-10.17	-33.77
Normalized Net Income, 1 Yr. Growth %	29.92	-5.62	-	-8.29	-29.04
Diluted EPS Before Extra, 1 Yr. Growth %	29.21	-9.69	-	-12.15	-34.22
Dividend Per Share, 1 Yr. Growth %	0	63.51	-	31.82	19.54
Gross Loans, 1 Yr. Growth %	16.31	41.53	-	-0.7	-1.64
Allowance For Loan Losses, 1 Yr. Growth %	-26.03	97.72	-	28.9	25.78
Net Loans, 1 Yr. Growth %	16.37	41.37	-	-0.69	-1.7
Non Performing Loans, 1 Yr. Growth %	-25.16	52.27	-	79.02	28.15
Non Performing Assets, 1 Yr. Growth %	-25.64	52.59	-	78.88	28.13
Total Assets, 1 Yr. Growth %	17.6	41.44	-	0.57	0.49
Total Deposits, 1 Yr Growth %	26.36	48.46	-	5.15	8.82
Tangible Book Value, 1 Yr. Growth %	19.19	21.32	-	14.14	3.42
Average Interest Earning Assets, 1 Yr. Growth %	9.85	22.02	-	-	0.11
Average Interest Bearing Liabilities, 1 Yr. Growth %	11.66	25.95	-	-	0.25
Common Equity, 1 Yr. Growth %	19.48	25.05	-	17.4	2.42
Total Equity, 1 Yr. Growth %	18.51	29.82	-	10.28	2.35
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	12.22	21.43	-	-	4.27
Non Interest Income, 2 Yr. CAGR %	32.36	-9.4	-	-	0.98
Provision For Loan Losses, 2 Yr. CAGR %	-22.1	-6.13	-	-	71.68
Total Revenues, 2 Yr. CAGR %	15.89	20.32	-	-	0.01
Earnings From Cont. Operations, 2 Yr. CAGR %	19.03	9.87	-	-	-22.68
Net Income, 2 Yr. CAGR %	19.03	9.87	-	-	-22.87
Normalized Net Income, 2 Yr. CAGR %	17.07	10.73	-	-	-19.33
Diluted EPS Before Extra, 2 Yr. CAGR %	18.19	8.02	-	-	-23.98
Dividend Per Share, 2 Yr. CAGR %	7.11	27.87	-	-	25.53
Gross Loans, 2 Yr. CAGR %	11.22	28.3	-	-	-1.11
Allowance For Loan Losses, 2 Yr. CAGR %	15.16	20.93	-	-	56.27
Net Loans, 2 Yr. CAGR %	11.2	28.26	-	-	-1.2
Non Performing Loans, 2 Yr. CAGR %	-13.81	6.75	-	-	51.46
Non Performing Assets, 2 Yr. CAGR %	-14.33	6.52	-	-	51.39
Total Assets, 2 Yr. CAGR %	12.85	28.97	-	-	0.53
Total Deposits, 2 Yr CAGR %	16.58	36.96	-	-	6.97
Tangible Book Value, 2 Yr. CAGR %	15.68	20.25	-	-	8.65
Average Interest Earning Assets, 2 Yr. CAGR %	10.21	15.78	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.12	18.59	-	-	-
Common Equity, 2 Yr. CAGR %	16.15	22.23	-	-	9.66
Total Equity, 2 Yr. CAGR %	15.34	24.04	-	-	6.24
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	18.7	16.6	-	-	-
Non Interest Income, 3 Yr. CAGR %	29.66	12.33	-	-	-
Provision For Loan Losses, 3 Yr. CAGR %	54.45	43.36	-	-	-
Total Revenues, 3 Yr. CAGR %	20.27	15.42	-	-	-
Earnings From Cont. Operations, 3 Yr. CAGR %	20.88	9.38	-	-	-
Net Income, 3 Yr. CAGR %	20.88	9.38	-	-	-
Normalized Net Income, 3 Yr. CAGR %	20.24	8.96	-	-	-
Diluted EPS Before Extra, 3 Yr. CAGR %	20.02	8.05	-	-	-
Dividend Per Share, 3 Yr. CAGR %	11.07	23.33	-	-	-
Gross Loans, 3 Yr. CAGR %	11.96	20.53	-	-	-
Allowance For Loan Losses, 3 Yr. CAGR %	24.61	37.9	-	-	-
Net Loans, 3 Yr. CAGR %	11.83	20.46	-	-	-
Non Performing Loans, 3 Yr. CAGR %	32.7	4.19	-	-	-
Non Performing Assets, 3 Yr. CAGR %	31.2	3.85	-	-	-
Total Assets, 3 Yr. CAGR %	13.03	21.67	-	-	-
Total Deposits, 3 Yr CAGR %	15.27	26.36	-	-	-
Tangible Book Value, 3 Yr. CAGR %	14.74	17.53	-	-	-
Average Interest Earning Assets, 3 Yr. CAGR %	13.62	14.01	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	14.43	15.86	-	-	-
Common Equity, 3 Yr. CAGR %	15.94	19.04	-	-	-
Total Equity, 3 Yr. CAGR %	15.12	19.98	-	-	-
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	15.84	18.92	-	-	-
Non Interest Income, 5 Yr. CAGR %	17.91	3.52	-	-	-
Provision For Loan Losses, 5 Yr. CAGR %	25.7	89.05	-	-	-
Total Revenues, 5 Yr. CAGR %	16.48	16.45	-	-	-
Earnings From Cont. Operations, 5 Yr. CAGR %	16.16	10.96	-	-	-
Net Income, 5 Yr. CAGR %	16.16	10.96	-	-	-
Normalized Net Income, 5 Yr. CAGR %	15.88	10.98	-	-	-
Diluted EPS Before Extra, 5 Yr. CAGR %	14.52	9.97	-	-	-
Dividend Per Share, 5 Yr. CAGR %	11.99	20.56	-	-	-
Gross Loans, 5 Yr. CAGR %	13.21	19.39	-	-	-
Allowance For Loan Losses, 5 Yr. CAGR %	8.02	24.38	-	-	-
Net Loans, 5 Yr. CAGR %	13.15	19.3	-	-	-
Non Performing Loans, 5 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 5 Yr. CAGR %	-	-	-	-	-
Total Assets, 5 Yr. CAGR %	13.77	19.91	-	-	-
Total Deposits, 5 Yr CAGR %	16.42	22.77	-	-	-
Tangible Book Value, 5 Yr. CAGR %	14.89	15.65	-	-	-
Average Interest Earning Assets, 5 Yr. CAGR %	13.43	14.98	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	13.71	16.14	-	-	-
Common Equity, 5 Yr. CAGR %	15.78	17.17	-	-	-
Total Equity, 5 Yr. CAGR %	14.85	17.37	-	-	-