EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
NASDAQ:EBMT - US26942G1004 - Common Stock
17.32 USD
+0.09 (+0.52%)
Taking everything into account, EBMT scores 4 out of 10 in our fundamental rating. EBMT was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of EBMT have multiple concerns. 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.
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
EBMT has a worse Return On Assets (0.59%) than 70.74% of its industry peers.
EBMT has a Return On Equity of 6.99%. This is in the lower half of the industry: EBMT underperforms 63.61% 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
EBMT's Profit Margin of 14.67% is on the low side compared to the rest of the industry. EBMT is outperformed by 75.57% of its industry peers.
EBMT's Profit Margin has declined in the last couple of years.
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.
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
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.
The Debt to FCF ratio of EBMT (4.45) is worse than 64.63% 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: 70.99% 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%
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.
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
EBMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.14% yearly.
EBMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.22% yearly.
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
A Price/Earnings ratio of 10.76 indicates a reasonable valuation of EBMT.
75.06% of the companies in the same industry are more expensive than EBMT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.03. EBMT is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.80, the valuation of EBMT can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EBMT indicates a somewhat cheap valuation: EBMT is cheaper than 75.83% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.63. EBMT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.8 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EBMT is valued a bit cheaper than 67.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.18 | ||
| EV/EBITDA | N/A |
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 23.14% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y25.46%
EPS Next 3Y23.14%
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 3.46%.
EBMT's Dividend Yield is a higher than the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, EBMT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
5.2 History
On average, the dividend of EBMT grows each year by 6.90%, which is quite nice.
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.
The dividend of EBMT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.18%
EPS Next 2Y25.46%
EPS Next 3Y23.14%
NASDAQ:EBMT (8/26/2025, 4:04:02 PM)
17.32
+0.09 (+0.52%)
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 Cap137.69M
Analysts47.5
Price Target18.36 (6%)
Short Float %3.33%
Short Ratio4.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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)1.89%
EPS NQ rev (1m)2.43%
EPS NQ rev (3m)11.16%
EPS NY rev (1m)2.49%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)2.94%
Revenue NQ rev (3m)4.92%
Revenue NY rev (1m)2.75%
Revenue NY rev (3m)2.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.8 | ||
| P/S | 1.6 | ||
| P/FCF | 10.18 | ||
| P/OCF | 6.21 | ||
| P/B | 0.76 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY9.3%
EPS(NY)1.97
Fwd EY11.36%
FCF(TTM)1.7
FCFY9.83%
OCF(TTM)2.79
OCFY16.1%
SpS10.82
BVpS22.72
TBVpS15.96
PEG (NY)0.23
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%
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%