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EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis

NASDAQ:EBMT - Nasdaq - US26942G1004 - Common Stock - Currency: USD

16.25  -0.92 (-5.36%)

After market: 16.25 0 (0%)

Fundamental Rating

4

EBMT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. EBMT has a bad profitability rating. Also its financial health evaluation is rather negative. EBMT has a correct valuation and a medium growth rate. EBMT also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year EBMT was profitable.
In the past year EBMT had a positive cash flow from operations.
In the past 5 years EBMT has always been profitable.
In the past 5 years EBMT always reported a positive cash flow from operatings.
EBMT Yearly Net Income VS EBIT VS OCF VS FCFEBMT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.53%, EBMT is doing worse than 74.24% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.26%, EBMT is doing worse than 66.67% of the companies in the same industry.
Industry RankSector Rank
ROA 0.53%
ROE 6.26%
ROIC N/A
ROA(3y)0.5%
ROA(5y)0.84%
ROE(3y)6.1%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
EBMT Yearly ROA, ROE, ROICEBMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

EBMT has a worse Profit Margin (13.40%) than 79.55% of its industry peers.
EBMT's Profit Margin has declined in the last couple of years.
EBMT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.66%
PM growth 5Y-7.05%
GM growth 3YN/A
GM growth 5YN/A
EBMT Yearly Profit, Operating, Gross MarginsEBMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

EBMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
EBMT has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, EBMT has more shares outstanding
The debt/assets ratio for EBMT has been reduced compared to a year ago.
EBMT Yearly Shares OutstandingEBMT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
EBMT Yearly Total Debt VS Total AssetsEBMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

EBMT has a debt to FCF ratio of 4.86. This is a neutral value as EBMT would need 4.86 years to pay back of all of its debts.
EBMT has a worse Debt to FCF ratio (4.86) than 70.20% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that EBMT is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.34, EBMT is doing worse than 72.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.86
Altman-Z N/A
ROIC/WACCN/A
WACC14.24%
EBMT Yearly LT Debt VS Equity VS FCFEBMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EBMT Yearly Current Assets VS Current LiabilitesEBMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.79% over the past year.
The Earnings Per Share has been decreasing by -7.34% on average over the past years.
Looking at the last year, EBMT shows a decrease in Revenue. The Revenue has decreased by -0.36% in the last year.
Measured over the past years, EBMT shows a small growth in Revenue. The Revenue has been growing by 5.33% on average per year.
EPS 1Y (TTM)26.79%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%70.83%
Revenue 1Y (TTM)-0.36%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%11.1%

3.2 Future

EBMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.76% yearly.
Based on estimates for the next years, EBMT will show a quite strong growth in Revenue. The Revenue will grow by 8.18% on average per year.
EPS Next Y43.07%
EPS Next 2Y22.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.35%
Revenue Next 2Y8.18%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
EBMT Yearly Revenue VS EstimatesEBMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
EBMT Yearly EPS VS EstimatesEBMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.44, the valuation of EBMT can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of EBMT indicates a somewhat cheap valuation: EBMT is cheaper than 62.88% of the companies listed in the same industry.
EBMT is valuated cheaply when we compare the Price/Earnings ratio to 27.35, which is the current average of the S&P500 Index.
EBMT is valuated reasonably with a Price/Forward Earnings ratio of 8.63.
EBMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 73.23% of the companies in the same industry.
EBMT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.54.
Industry RankSector Rank
PE 11.44
Fwd PE 8.63
EBMT Price Earnings VS Forward Price EarningsEBMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

EBMT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.43
EV/EBITDA N/A
EBMT Per share dataEBMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as EBMT's earnings are expected to grow with 22.76% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y22.76%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

EBMT has a Yearly Dividend Yield of 3.32%. Purely for dividend investing, there may be better candidates out there.
EBMT's Dividend Yield is a higher than the industry average which is at 3.31.
Compared to an average S&P500 Dividend Yield of 2.36, EBMT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.32%

5.2 History

On average, the dividend of EBMT grows each year by 6.90%, which is quite nice.
EBMT has been paying a dividend for at least 10 years, so it has a reliable track record.
EBMT has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.9%
Div Incr Years24
Div Non Decr Years24
EBMT Yearly Dividends per shareEBMT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

40.93% of the earnings are spent on dividend by EBMT. This is a bit on the high side, but may be sustainable.
EBMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.93%
EPS Next 2Y22.76%
EPS Next 3YN/A
EBMT Yearly Income VS Free CF VS DividendEBMT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
EBMT Dividend Payout.EBMT Dividend Payout, showing the Payout Ratio.EBMT Dividend Payout.PayoutRetained Earnings

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EAGLE BANCORP MONTANA INC

NASDAQ:EBMT (7/24/2025, 8:00:01 PM)

After market: 16.25 0 (0%)

16.25

-0.92 (-5.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23
Earnings (Next)10-27 2025-10-27
Inst Owners45.21%
Inst Owner Change0.06%
Ins Owners4.66%
Ins Owner Change-1.93%
Market Cap129.19M
Analysts47.5
Price Target18.36 (12.98%)
Short Float %3.13%
Short Ratio3.46
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend0.57
Dividend Growth(5Y)6.9%
DP40.93%
Div Incr Years24
Div Non Decr Years24
Ex-Date05-16 2025-05-16 (0.1425)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)39.1%
Min EPS beat(2)26.93%
Max EPS beat(2)51.26%
EPS beat(4)3
Avg EPS beat(4)15.85%
Min EPS beat(4)-24.67%
Max EPS beat(4)51.26%
EPS beat(8)4
Avg EPS beat(8)-0.97%
EPS beat(12)4
Avg EPS beat(12)-7.77%
EPS beat(16)4
Avg EPS beat(16)-14.62%
Revenue beat(2)1
Avg Revenue beat(2)0.73%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)1.86%
Revenue beat(4)1
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)1.86%
Revenue beat(8)2
Avg Revenue beat(8)-2.62%
Revenue beat(12)6
Avg Revenue beat(12)9.46%
Revenue beat(16)10
Avg Revenue beat(16)27.55%
PT rev (1m)-1.82%
PT rev (3m)5.88%
EPS NQ rev (1m)-0.79%
EPS NQ rev (3m)7.69%
EPS NY rev (1m)0%
EPS NY rev (3m)12.63%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.48%
Valuation
Industry RankSector Rank
PE 11.44
Fwd PE 8.63
P/S 1.56
P/FCF 10.43
P/OCF 5.54
P/B 0.73
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.42
EY8.74%
EPS(NY)1.88
Fwd EY11.59%
FCF(TTM)1.56
FCFY9.58%
OCF(TTM)2.93
OCFY18.04%
SpS10.44
BVpS22.34
TBVpS15.52
PEG (NY)0.27
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 6.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.4%
GM N/A
FCFM 14.92%
ROA(3y)0.5%
ROA(5y)0.84%
ROE(3y)6.1%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.66%
PM growth 5Y-7.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.86
Debt/EBITDA N/A
Cap/Depr 121.94%
Cap/Sales 13.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.24%
ROIC/WACCN/A
Cap/Depr(3y)185.2%
Cap/Depr(5y)207.42%
Cap/Sales(3y)17.57%
Cap/Sales(5y)17.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.79%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%70.83%
EPS Next Y43.07%
EPS Next 2Y22.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.36%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%11.1%
Revenue Next Year11.35%
Revenue Next 2Y8.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-31.1%
FCF growth 3Y-31.11%
FCF growth 5YN/A
OCF growth 1Y-33.15%
OCF growth 3Y-20.34%
OCF growth 5Y138.48%