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EQB (EQB) investor relations material
EQB Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Aug, 2025
Executive summary
Leadership transition completed with new CEO Chadwick Westlake and CFO, emphasizing a renewed focus on growth and efficiency.
Q3 2025 saw continued growth in loans under management and customer engagement, but earnings were pressured by macroeconomic uncertainty and real estate market weakness.
EQ Bank customer base grew 21% year-over-year to 586,000, with strong deposit and origination growth.
Strategic focus remains on Canadian market, digital banking, and leveraging technology for competitive advantage.
Loans under management grew 3% quarter-over-quarter and 10% year-over-year to $74B, with notable strength in insured multi-unit residential and decumulation loans.
Financial highlights
Net income for Q3 was $80.3M, down 15% from Q2 and 32% year-over-year; diluted EPS at $2.07; ROE at 10.1%.
Revenue was $310M, down 2% sequentially and 5% year-over-year; net interest income at $254M, down 6% both quarter-over-quarter and year-over-year.
Non-interest revenue rose 25% from Q2 to $56M, driven by higher fee-based income and securitization gains.
Non-interest expenses increased 6% from Q2 to $166M, with efficiency ratio rising to 53%.
Book value per share rose 2% Q/Q and 9% Y/Y to $82.37.
Outlook and guidance
Fiscal 2025 ROE expected around 11.5%, below prior objectives, with Q4 earnings anticipated to be similar to Q3 barring provision swings.
NIM target for fiscal 2025 remains above 2%.
CET1 guidance remains above 13% for the remainder of fiscal 2025.
Strategic plan and updated growth outlook for 2026 to be shared in December, with an Investor Day planned for late spring or early summer.
Medium-term targets remain consistent despite near-term headwinds.
How will EQB manage rising impaired loans
New CEO's strategy for Challenger Bank growth
How will deposit growth impact future NIM
What drives SFR Stage 3 coverage ratio difference?
Path to restore efficiency ratio to historical levels?
How will deposit mix shift impact future NIM?
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Q4 20254 Dec, 2025
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Frequently asked questions
EQB Inc is a Canadian financial services company operating through Equitable Bank. The company offers residential and commercial lending, savings products, and digital banking services, including a fully digital banking platform. It serves individuals, businesses, and mortgage brokers across Canada. EQB Inc is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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