EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
USA - NASDAQ:EBMT - US26942G1004 - Common Stock
16.85 USD
+0.17 (+1.02%)
16.85 USD
0 (0%)
Overall EBMT gets a fundamental rating of 4 out of 10. We evaluated EBMT against 391 industry peers in the Banks industry. EBMT may be in some trouble as it scores bad on both profitability and health. EBMT has a decent growth rate and is not valued too expensively. EBMT also has an excellent dividend rating.
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.
In the past 5 years EBMT has always been profitable.
Each year in the past 5 years EBMT had a positive operating cash flow.
1.2 Ratios
EBMT has a Return On Assets of 0.59%. This is in the lower half of the industry: EBMT underperforms 70.33% of its industry peers.
EBMT has a Return On Equity of 6.99%. This is in the lower half of the industry: EBMT underperforms 63.43% 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
Looking at the Profit Margin, with a value of 14.67%, EBMT is doing worse than 75.70% of the companies in the same industry.
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.
The number of shares outstanding for EBMT remains at a similar level compared to 1 year ago.
The number of shares outstanding for EBMT has been increased compared to 5 years ago.
EBMT has a better debt/assets ratio than last year.
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 64.45% 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.
The Debt to Equity ratio of EBMT (0.33) is worse than 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EBMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.07%, which is quite impressive.
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.
EBMT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.33% yearly.
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
The Earnings Per Share is expected to grow by 23.14% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 16.22% on average over the next years. This is quite good.
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
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
EBMT is valuated reasonably with a Price/Earnings ratio of 10.47.
Based on the Price/Earnings ratio, EBMT is valued a bit cheaper than 69.05% of the companies 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.
The Price/Forward Earnings ratio is 8.56, which indicates a very decent valuation of EBMT.
EBMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 70.59% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.86. EBMT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 8.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EBMT is valued a bit cheaper than the industry average as 65.98% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.9 | ||
| 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.
EBMT's earnings are expected to grow with 23.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y25.46%
EPS Next 3Y23.14%
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 3.42%. 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 3.60.
EBMT's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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 their dividend for at least 10 years, which is a reliable track record.
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%
16.85
+0.17 (+1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.81%
Inst Owner Change0%
Ins Owners4.46%
Ins Owner Change-2.56%
Market Cap133.96M
Analysts47.5
Price Target18.36 (8.96%)
Short Float %2.92%
Short Ratio8.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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)2.43%
EPS NY rev (1m)0%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 8.56 | ||
| P/S | 1.56 | ||
| P/FCF | 9.9 | ||
| P/OCF | 6.04 | ||
| P/B | 0.74 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY9.55%
EPS(NY)1.97
Fwd EY11.68%
FCF(TTM)1.7
FCFY10.1%
OCF(TTM)2.79
OCFY16.55%
SpS10.82
BVpS22.72
TBVpS15.96
PEG (NY)0.22
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
WACC13.96%
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%