EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
USA - NASDAQ:EBMT - US26942G1004 - Common Stock
17.69 USD
+0.34 (+1.96%)
17.69 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EBMT. EBMT was compared to 392 industry peers in the Banks industry. EBMT may be in some trouble as it scores bad on both profitability and health. EBMT has a correct valuation and a medium growth rate. Finally EBMT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
EBMT had positive earnings in the past year.
EBMT had a positive operating cash flow in the past year.
Each year in the past 5 years EBMT has been profitable.
In the past 5 years EBMT always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of EBMT (0.59%) is worse than 70.15% of its industry peers.
EBMT has a Return On Equity of 6.99%. This is in the lower half of the industry: EBMT underperforms 63.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.99% | ||
| 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
1.3 Margins
The Profit Margin of EBMT (14.67%) is worse than 74.74% of its industry peers.
In the last couple of years the Profit Margin of EBMT has declined.
The Operating Margin and Gross Margin are not available for EBMT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.67% | ||
| 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
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.
2.2 Solvency
EBMT has a debt to FCF ratio of 4.45. This is a neutral value as EBMT would need 4.45 years to pay back of all of its debts.
EBMT has a Debt to FCF ratio of 4.45. This is in the lower half of the industry: EBMT underperforms 64.03% of its industry peers.
EBMT has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.33, EBMT is not doing good in the industry: 70.15% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 49.07% 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 small growth in Revenue. The Revenue has grown by 5.27% 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)49.07%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%86.36%
Revenue 1Y (TTM)5.27%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%16.08%
3.2 Future
Based on estimates for the next years, EBMT will show a very strong growth in Earnings Per Share. The EPS will grow by 23.14% on average per year.
Based on estimates for the next years, EBMT will show a quite strong growth in Revenue. The Revenue will grow by 16.22% on average per year.
EPS Next Y46.64%
EPS Next 2Y25.46%
EPS Next 3Y23.14%
EPS Next 5YN/A
Revenue Next Year14.41%
Revenue Next 2Y9.7%
Revenue Next 3Y16.22%
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.
4. Valuation
4.1 Price/Earnings Ratio
EBMT is valuated reasonably with a Price/Earnings ratio of 10.99.
73.47% of the companies in the same industry are more expensive than EBMT, based on the Price/Earnings ratio.
EBMT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
A Price/Forward Earnings ratio of 8.99 indicates a reasonable valuation of EBMT.
EBMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 75.77% 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 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.99 |
4.2 Price Multiples
EBMT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 69.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EBMT's 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 23.14% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y25.46%
EPS Next 3Y23.14%
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 3.30%.
Compared to an average industry Dividend Yield of 3.73, EBMT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, EBMT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
5.2 History
The dividend of EBMT is nicely growing with an annual growth rate of 6.90%!
EBMT has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
36.18% of the earnings are spent on dividend by EBMT. This is a low number and sustainable payout ratio.
EBMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.18%
EPS Next 2Y25.46%
EPS Next 3Y23.14%
17.69
+0.34 (+1.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.48%
Inst Owner Change14.26%
Ins Owners4.66%
Ins Owner Change-2.56%
Market Cap140.64M
Analysts47.5
Price Target18.36 (3.79%)
Short Float %3.06%
Short Ratio7.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Yearly Dividend0.57
Dividend Growth(5Y)6.9%
DP36.18%
Div Incr Years24
Div Non Decr Years24
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.32%
Min EPS beat(2)-4.3%
Max EPS beat(2)26.93%
EPS beat(4)3
Avg EPS beat(4)20.95%
Min EPS beat(4)-4.3%
Max EPS beat(4)51.26%
EPS beat(8)4
Avg EPS beat(8)4.11%
EPS beat(12)4
Avg EPS beat(12)-3.13%
EPS beat(16)4
Avg EPS beat(16)-11.77%
Revenue beat(2)1
Avg Revenue beat(2)1.19%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)2.78%
Revenue beat(4)2
Avg Revenue beat(4)0.29%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)2.78%
Revenue beat(8)3
Avg Revenue beat(8)-1.07%
Revenue beat(12)6
Avg Revenue beat(12)4.53%
Revenue beat(16)10
Avg Revenue beat(16)21.87%
PT rev (1m)0%
PT rev (3m)-1.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.17%
EPS NY rev (1m)2.49%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.22%
Revenue NY rev (1m)2.75%
Revenue NY rev (3m)2.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.99 | ||
| P/S | 1.63 | ||
| P/FCF | 10.4 | ||
| P/OCF | 6.34 | ||
| P/B | 0.78 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY9.1%
EPS(NY)1.97
Fwd EY11.12%
FCF(TTM)1.7
FCFY9.62%
OCF(TTM)2.79
OCFY15.76%
SpS10.82
BVpS22.72
TBVpS15.96
PEG (NY)0.24
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.67% | ||
| GM | N/A | ||
| FCFM | 15.73% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 4.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 94.86% | ||
| Cap/Sales | 10.05% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.01%
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)49.07%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%86.36%
EPS Next Y46.64%
EPS Next 2Y25.46%
EPS Next 3Y23.14%
EPS Next 5YN/A
Revenue 1Y (TTM)5.27%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%16.08%
Revenue Next Year14.41%
Revenue Next 2Y9.7%
Revenue Next 3Y16.22%
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 1Y6249.55%
FCF growth 3Y-31.11%
FCF growth 5YN/A
OCF growth 1Y37.11%
OCF growth 3Y-20.34%
OCF growth 5Y138.48%