EAGLE BANCORP MONTANA INC (EBMT)

US26942G1004 - Common Stock

12.86  +0.16 (+1.3%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EBMT. EBMT was compared to 411 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. Finally EBMT also has an excellent dividend rating.



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2

1. Profitability

1.1 Basic Checks

EBMT had positive earnings in the past year.
In the past year EBMT had a positive cash flow from operations.
EBMT had positive earnings in each of the past 5 years.
EBMT had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

EBMT's Return On Assets of 0.48% is on the low side compared to the rest of the industry. EBMT is outperformed by 80.05% of its industry peers.
EBMT's Return On Equity of 5.95% is on the low side compared to the rest of the industry. EBMT is outperformed by 75.91% of its industry peers.
Industry RankSector Rank
ROA 0.48%
ROE 5.95%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.95%
ROE(3y)7.3%
ROE(5y)8.94%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

EBMT's Profit Margin of 11.81% is on the low side compared to the rest of the industry. EBMT is outperformed by 85.16% of its industry peers.
EBMT's Profit Margin has been stable 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) 11.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.93%
PM growth 5Y-0.16%
GM growth 3YN/A
GM growth 5YN/A

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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.
Compared to 1 year ago, EBMT has about the same amount of shares outstanding.
Compared to 5 years ago, EBMT has more shares outstanding
EBMT has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.36 indicates that EBMT is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.36, EBMT is not doing good in the industry: 63.50% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.79%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

EBMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.34%.
The Earnings Per Share has been growing slightly by 6.03% on average over the past years.
The Revenue has decreased by -4.85% in the past year.
Measured over the past years, EBMT shows a quite strong growth in Revenue. The Revenue has been growing by 15.27% on average per year.
EPS 1Y (TTM)-10.34%
EPS 3Y-25.23%
EPS 5Y6.03%
EPS growth Q2Q-40.43%
Revenue 1Y (TTM)-4.85%
Revenue growth 3Y-2.61%
Revenue growth 5Y15.27%
Revenue growth Q2Q1.11%

3.2 Future

The Earnings Per Share is expected to grow by 17.48% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.61% on average over the next years.
EPS Next Y6.59%
EPS Next 2Y17.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.1%
Revenue Next 2Y4.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.89, which indicates a very decent valuation of EBMT.
EBMT's Price/Earnings is on the same level as the industry average.
EBMT is valuated cheaply when we compare the Price/Earnings ratio to 25.25, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.28, the valuation of EBMT can be described as very reasonable.
EBMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 69.59% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, EBMT is valued rather cheaply.
Industry RankSector Rank
PE 9.89
Fwd PE 9.28

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

EBMT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as EBMT's earnings are expected to grow with 17.48% in the coming years.
PEG (NY)1.5
PEG (5Y)1.64
EPS Next 2Y17.48%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.41%, EBMT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.89, EBMT pays a bit more dividend than its industry peers.
EBMT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 4.41%

5.2 History

On average, the dividend of EBMT grows each year by 7.79%, which is quite nice.
EBMT has paid a dividend for at least 10 years, which is a reliable track record.
EBMT has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.79%
Div Incr Years12
Div Non Decr Years12

5.3 Sustainability

EBMT pays out 44.14% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of EBMT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.14%
EPS Next 2Y17.48%
EPS Next 3YN/A

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EAGLE BANCORP MONTANA INC

NASDAQ:EBMT (4/24/2024, 7:00:01 PM)

12.86

+0.16 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap103.14M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.41%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 9.89
Fwd PE 9.28
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.5
PEG (5Y)1.64
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 5.95%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 11.81%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-10.34%
EPS 3Y-25.23%
EPS 5Y
EPS growth Q2Q
EPS Next Y6.59%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.85%
Revenue growth 3Y-2.61%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y