vs
Side-by-side financial comparison of EQUITY BANCSHARES INC (EQBK) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $63.5M, roughly 1.2× EQUITY BANCSHARES INC). EQUITY BANCSHARES INC runs the higher net margin — 34.8% vs -178.3%, a 213.1% gap on every dollar of revenue. On growth, EQUITY BANCSHARES INC posted the faster year-over-year revenue change (28.4% vs 0.4%). EQUITY BANCSHARES INC produced more free cash flow last quarter ($38.1M vs $23.2M). Over the past eight quarters, EQUITY BANCSHARES INC's revenue compounded faster (6.6% CAGR vs -1.3%).
Prosperity Bancshares, Inc. is a bank holding company headquartered in Houston, Texas with operations in Texas and central Oklahoma. As of December 31, 2019, the company operated 285 branches: 65 in the Houston area, including The Woodlands, Texas; 30 in South Texas, including Corpus Christi, Texas and Victoria, Texas; 75 in the Dallas–Fort Worth metroplex; 22 in East Texas; 29 in Central Texas, including Austin, Texas and San Antonio; 34 in West Texas, including Lubbock, Texas, Midland–Odess...
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
EQBK vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.5M | $78.6M |
| Net Profit | $22.1M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 41.7% | -182.2% |
| Net Margin | 34.8% | -178.3% |
| Revenue YoY | 28.4% | 0.4% |
| Net Profit YoY | 30.0% | -3304.1% |
| EPS (diluted) | $1.07 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $63.5M | $78.6M | ||
| Q3 25 | $18.0M | $77.7M | ||
| Q2 25 | $58.4M | $75.6M | ||
| Q1 25 | $60.6M | $77.3M | ||
| Q4 24 | $58.3M | $78.3M | ||
| Q3 24 | $55.3M | $79.1M | ||
| Q2 24 | $55.4M | $74.9M | ||
| Q1 24 | $55.9M | $80.7M |
| Q4 25 | $22.1M | $-140.1M | ||
| Q3 25 | $-29.7M | $-6.4M | ||
| Q2 25 | $15.3M | $-102.3M | ||
| Q1 25 | $15.0M | $-7.9M | ||
| Q4 24 | $17.0M | $-4.1M | ||
| Q3 24 | $19.9M | $3.2M | ||
| Q2 24 | $11.7M | $-4.1M | ||
| Q1 24 | $14.1M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 41.7% | -182.2% | ||
| Q3 25 | -207.2% | -3.9% | ||
| Q2 25 | 31.5% | -138.7% | ||
| Q1 25 | 31.1% | -4.7% | ||
| Q4 24 | 35.0% | -1.5% | ||
| Q3 24 | 43.1% | -0.9% | ||
| Q2 24 | 29.4% | -4.6% | ||
| Q1 24 | 31.8% | -3.1% |
| Q4 25 | 34.8% | -178.3% | ||
| Q3 25 | -164.7% | -8.3% | ||
| Q2 25 | 26.1% | -135.2% | ||
| Q1 25 | 24.8% | -10.3% | ||
| Q4 24 | 29.1% | -5.3% | ||
| Q3 24 | 35.9% | 4.1% | ||
| Q2 24 | 21.1% | -5.4% | ||
| Q1 24 | 25.2% | -6.5% |
| Q4 25 | $1.07 | $-1.68 | ||
| Q3 25 | $-1.55 | $-0.08 | ||
| Q2 25 | $0.86 | $-1.15 | ||
| Q1 25 | $0.85 | $-0.09 | ||
| Q4 24 | $1.06 | $-0.04 | ||
| Q3 24 | $1.28 | $0.03 | ||
| Q2 24 | $0.76 | $-0.04 | ||
| Q1 24 | $0.90 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $443.2M | $280.1M |
| Stockholders' EquityBook value | $732.1M | $484.4M |
| Total Assets | $6.4B | $1.2B |
| Debt / EquityLower = less leverage | 0.61× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | $443.2M | $280.1M | ||
| Q3 25 | $486.9M | $279.5M | ||
| Q2 25 | $448.4M | $279.0M | ||
| Q1 25 | $376.9M | $497.6M | ||
| Q4 24 | $312.8M | $496.8M | ||
| Q3 24 | $437.5M | $496.2M | ||
| Q2 24 | $391.7M | $435.6M | ||
| Q1 24 | $367.1M | $434.9M |
| Q4 25 | $732.1M | $484.4M | ||
| Q3 25 | $711.9M | $616.9M | ||
| Q2 25 | $635.6M | $633.7M | ||
| Q1 25 | $617.3M | $755.7M | ||
| Q4 24 | $592.9M | $761.3M | ||
| Q3 24 | $504.0M | $754.7M | ||
| Q2 24 | $461.4M | $815.4M | ||
| Q1 24 | $456.8M | $813.8M |
| Q4 25 | $6.4B | $1.2B | ||
| Q3 25 | $6.4B | $1.3B | ||
| Q2 25 | $5.4B | $1.4B | ||
| Q1 25 | $5.4B | $1.5B | ||
| Q4 24 | $5.3B | $1.6B | ||
| Q3 24 | $5.4B | $1.6B | ||
| Q2 24 | $5.2B | $1.5B | ||
| Q1 24 | $5.2B | $1.5B |
| Q4 25 | 0.61× | 0.58× | ||
| Q3 25 | 0.68× | 0.45× | ||
| Q2 25 | 0.71× | 0.44× | ||
| Q1 25 | 0.61× | 0.66× | ||
| Q4 24 | 0.53× | 0.65× | ||
| Q3 24 | 0.87× | 0.66× | ||
| Q2 24 | 0.85× | 0.53× | ||
| Q1 24 | 0.80× | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $51.4M | $23.3M |
| Free Cash FlowOCF − Capex | $38.1M | $23.2M |
| FCF MarginFCF / Revenue | 60.0% | 29.6% |
| Capex IntensityCapex / Revenue | 20.9% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.33× | — |
| TTM Free Cash FlowTrailing 4 quarters | $88.8M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $51.4M | $23.3M | ||
| Q3 25 | $8.5M | $32.2M | ||
| Q2 25 | $28.3M | $33.1M | ||
| Q1 25 | $21.7M | $2.5M | ||
| Q4 24 | $73.8M | $34.3M | ||
| Q3 24 | $23.5M | $60.1M | ||
| Q2 24 | $16.0M | $31.0M | ||
| Q1 24 | $12.6M | $24.8M |
| Q4 25 | $38.1M | $23.2M | ||
| Q3 25 | $4.5M | $32.1M | ||
| Q2 25 | $26.0M | $33.0M | ||
| Q1 25 | $20.2M | $2.4M | ||
| Q4 24 | $65.4M | $34.0M | ||
| Q3 24 | $19.7M | $59.8M | ||
| Q2 24 | $15.2M | $30.5M | ||
| Q1 24 | $10.6M | $24.7M |
| Q4 25 | 60.0% | 29.6% | ||
| Q3 25 | 24.7% | 41.3% | ||
| Q2 25 | 44.5% | 43.6% | ||
| Q1 25 | 33.3% | 3.0% | ||
| Q4 24 | 112.1% | 43.5% | ||
| Q3 24 | 35.6% | 75.6% | ||
| Q2 24 | 27.4% | 40.7% | ||
| Q1 24 | 19.0% | 30.6% |
| Q4 25 | 20.9% | 0.1% | ||
| Q3 25 | 22.3% | 0.2% | ||
| Q2 25 | 3.9% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 14.6% | 0.3% | ||
| Q3 24 | 6.8% | 0.3% | ||
| Q2 24 | 1.5% | 0.6% | ||
| Q1 24 | 3.6% | 0.1% |
| Q4 25 | 2.33× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.35× | — | ||
| Q3 24 | 1.18× | 18.52× | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 0.90× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EQBK
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
