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EQB Inc T.EQB

Alternate Symbol(s):  EQGPF

EQB Inc. is a digital financial services company, with combined assets under management and administration. Through its subsidiary, Equitable Bank, offers banking services. It operates through two main divisions: Personal Banking and Commercial Banking. Personal Banking operates through five business lines: EQ Bank, residential lending, wealth decumulation, and consumer lending through partnerships, a segment added with the Concentra Bank acquisition, and payments as a service supporting its fintech partners. Its diversified product suite consists of deposits, single family residential mortgage loans, home equity lines of credit, reverse mortgages, insurance lending, and payment infrastructure partnerships. Commercial Banking operates through seven business lines: business enterprise solutions, commercial finance group, multi-unit insured, specialized finance, equipment leasing, credit union and Concentra trust. It provides personal and commercial banking through its EQ Bank platform.


TSX:EQB - Post by User

Comment by Mephistopheles3on Apr 19, 2022 1:18pm
309 Views
Post# 34613691

RE:RE:EQB - significantly oversold?

RE:RE:EQB - significantly oversold? I dived in and opened a largish position yesterday morning and already up 4% so happy so far.  Some info from today that came out: 

1.  https://www.bnnbloomberg.ca/video/demand-for-rental-units-in-canada-is-a-lot-bigger-than-numbers-suggest-benjamin-tal~2424388

Towards the end of the segment, in the last minute, Ben Tal from CIBC shows how alternative lenders like EQ gain market share when rates increase.  This is likely due to many borrowers being rejected from the big 6 and having to go to alternative lenders, which is EQB's bread and butter.

2.  https://www.newswire.ca/news-releases/royal-lepage-persistent-demand-coupled-with-low-inventory-drives-2022-home-price-forecast-higher-to-15--884769706.html

Royal LePage came out with a 15% price increase in 2022 on home prices, which I'm finding a bit difficult to understand - at a certain point, the housing market has to cool down.  Interesting to see that Q1 numbers are really heavy and so EQB will likely have a good quarter.  

3.  On the insiders, I was reviewing and something like 30% of the company are owned by insiders.  It's quite heavy - they are not buying now other than exercising stock options, but at least management and shareholders are aligned. 

I'm still quite bullish on this one.  I think as GIC rates start to go up to 4%, Canadians will flock in there which will result in easy capital for EQB to loan out.
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