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EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis

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

16.6  +0.08 (+0.48%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to EBMT. EBMT was compared to 504 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. 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.
EBMT had a positive operating cash flow in the past year.
Each year in the past 5 years EBMT has been profitable.
Each year in the past 5 years EBMT had a positive operating cash flow.
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

The Return On Assets of EBMT (0.53%) is worse than 74.24% of its industry peers.
The Return On Equity of EBMT (6.25%) is worse than 67.42% of its industry peers.
Industry RankSector Rank
ROA 0.53%
ROE 6.25%
ROIC N/A
ROA(3y)0.5%
ROA(5y)0.84%
ROE(3y)6.09%
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's Profit Margin of 13.40% is on the low side compared to the rest of the industry. EBMT is outperformed by 79.80% of its industry peers.
In the last couple of years the Profit Margin of EBMT has declined.
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-7.65%
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.
The number of shares outstanding for EBMT remains at a similar level compared to 1 year ago.
Compared to 5 years ago, EBMT has more shares outstanding
Compared to 1 year ago, EBMT has an improved debt to assets ratio.
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 4.64. This is a neutral value as EBMT would need 4.64 years to pay back of all of its debts.
EBMT has a Debt to FCF ratio of 4.64. This is in the lower half of the industry: EBMT underperforms 68.94% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that EBMT is not too dependend on debt financing.
EBMT has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: EBMT underperforms 72.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.64
Altman-Z N/A
ROIC/WACCN/A
WACC15.35%
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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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.79% over the past year.
EBMT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.34% yearly.
Looking at the last year, EBMT shows a decrease in Revenue. The Revenue has decreased by -0.36% 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)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

Based on estimates for the next years, EBMT will show a very strong growth in Earnings Per Share. The EPS will grow by 22.49% on average per year.
The Revenue is expected to grow by 8.09% on average over the next years. This is quite good.
EPS Next Y43.07%
EPS Next 2Y22.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.3%
Revenue Next 2Y8.09%
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 accelerating: in the next years the growth will be better than in the last years.
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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6

4. Valuation

4.1 Price/Earnings Ratio

EBMT is valuated reasonably with a Price/Earnings ratio of 11.69.
EBMT's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of EBMT to the average of the S&P500 Index (26.31), we can say EBMT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.85, the valuation of EBMT can be described as reasonable.
Based on the Price/Forward Earnings ratio, EBMT is valued a bit cheaper than the industry average as 61.36% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.06, EBMT is valued rather cheaply.
Industry RankSector Rank
PE 11.69
Fwd PE 8.85
EBMT Price Earnings VS Forward Price EarningsEBMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as EBMT.
Industry RankSector Rank
P/FCF 10.21
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

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 22.49% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y22.49%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

EBMT has a Yearly Dividend Yield of 3.35%.
Compared to an average industry Dividend Yield of 2.38, EBMT has a dividend in line with its industry peers.
EBMT's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.35%

5.2 History

The dividend of EBMT is nicely growing with an annual growth rate of 6.91%!
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)6.91%
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

EBMT pays out 41.01% 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.
DP41.01%
EPS Next 2Y22.49%
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 (6/5/2025, 8:00:01 PM)

16.6

+0.08 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/dmh
Earnings (Next)07-21 2025-07-21
Inst Owners42.52%
Inst Owner Change6.48%
Ins Owners4.95%
Ins Owner Change-1.93%
Market Cap131.97M
Analysts47.5
Price Target18.02 (8.55%)
Short Float %0.59%
Short Ratio0.98
Dividend
Industry RankSector Rank
Dividend Yield 3.35%
Yearly Dividend0.57
Dividend Growth(5Y)6.91%
DP41.01%
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)2.91%
PT rev (3m)6%
EPS NQ rev (1m)5.83%
EPS NQ rev (3m)9.48%
EPS NY rev (1m)12.63%
EPS NY rev (3m)12.88%
Revenue NQ rev (1m)-10.77%
Revenue NQ rev (3m)1.58%
Revenue NY rev (1m)1.44%
Revenue NY rev (3m)1.44%
Valuation
Industry RankSector Rank
PE 11.69
Fwd PE 8.85
P/S 1.59
P/FCF 10.21
P/OCF 5.55
P/B 0.75
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)1.42
EY8.55%
EPS(NY)1.88
Fwd EY11.3%
FCF(TTM)1.63
FCFY9.79%
OCF(TTM)2.99
OCFY18%
SpS10.44
BVpS22.26
TBVpS15.47
PEG (NY)0.27
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 6.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.4%
GM N/A
FCFM 15.57%
ROA(3y)0.5%
ROA(5y)0.84%
ROE(3y)6.09%
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-7.65%
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 4.64
Debt/EBITDA N/A
Cap/Depr 129.93%
Cap/Sales 13.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.35%
ROIC/WACCN/A
Cap/Depr(3y)199.71%
Cap/Depr(5y)216.12%
Cap/Sales(3y)17.46%
Cap/Sales(5y)17.55%
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 2Y22.49%
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 Year11.3%
Revenue Next 2Y8.09%
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-28.1%
FCF growth 3Y-30.26%
FCF growth 5YN/A
OCF growth 1Y-31.84%
OCF growth 3Y-19.91%
OCF growth 5Y139.24%