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Equity Bancshares (EQBK) investor relations material
Equity Bancshares M&A Announcement summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Deal rationale and strategic fit
The merger expands presence into Nebraska, including Omaha and Lincoln, adding seven locations and providing immediate scale in key Midwest markets.
Both organizations share a culture focused on community banking, local decision-making, and customer service.
The deal aligns with a disciplined M&A strategy, marking the 14th announced acquisition since 2015 and the second in 2025.
The partnership provides access to additional resources, technology, and scale, benefiting customers and employees.
Entry into Nebraska offers significant future bolt-on acquisition opportunities, with over 135 banks under $2B in assets in the state.
Financial terms and conditions
Total deal value is approximately $122.8 million, with 2.22 million fixed shares issued and $32.5 million in cash consideration; about 75% of consideration is in stock.
Pro forma ownership will be 90% for the acquirer and 10% for the acquired.
Price to tangible book value is 1.23x; price to LTM adjusted earnings is 12.7x; core deposit premium is 2.9%.
The merger is expected to be $0.34 or 7.7% accretive to EPS in 2026 and $0.45 or 9.8% in 2027.
Tangible book value earn-back projected at 2.8 years; dilution expected to be earned back in less than three years.
Synergies and expected cost savings
Estimated cost savings are approximately 22.8%–23% of the acquired company's consolidated non-interest expense, with 85% realized in 2026 and 100% by 2027.
Cost savings in 2026 expected to be about $4.2 million.
Additional fee income opportunities identified in treasury management, mortgage, trust, and wealth management.
Access to advanced technology and increased lending capacity anticipated.
Repositioning of bond portfolio expected to add $7.4 million in annual interest income and $0.27 EPS accretion in 2026.
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