EAGLE BANCORP MONTANA INC (EBMT) Fundamental Analysis & Valuation

NASDAQ:EBMT • US26942G1004

Current stock price

20.25 USD
-0.25 (-1.22%)
At close:
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This EBMT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EBMT Profitability Analysis

1.1 Basic Checks

  • In the past year EBMT was profitable.
  • In the past year EBMT had a positive cash flow from operations.
  • EBMT had positive earnings in each of the past 5 years.
  • In the past 5 years EBMT always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • With a Return On Assets value of 0.70%, EBMT is not doing good in the industry: 71.84% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 7.73%, EBMT is doing worse than 63.68% of the companies in the same industry.
Industry RankSector Rank
ROA 0.7%
ROE 7.73%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.64%
ROE(3y)6.42%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A
EBMT Yearly ROA, ROE, ROICEBMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.20%, EBMT is doing worse than 78.16% of the companies in the same industry.
  • EBMT's Profit Margin has declined 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) 16.2%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.67%
PM growth 5Y-6.76%
GM growth 3YN/A
GM growth 5YN/A
EBMT Yearly Profit, Operating, Gross MarginsEBMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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3

2. EBMT Health Analysis

2.1 Basic Checks

  • EBMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • EBMT has less shares outstanding than it did 1 year ago.
  • EBMT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for EBMT has been reduced compared to a year ago.
EBMT Yearly Shares OutstandingEBMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
EBMT Yearly Total Debt VS Total AssetsEBMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • EBMT has a debt to FCF ratio of 1.60. This is a very positive value and a sign of high solvency as it would only need 1.60 years to pay back of all of its debts.
  • EBMT's Debt to FCF ratio of 1.60 is in line compared to the rest of the industry. EBMT outperforms 55.79% of its industry peers.
  • EBMT has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • EBMT's Debt to Equity ratio of 0.24 is on the low side compared to the rest of the industry. EBMT is outperformed by 60.53% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for EBMT, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC15.44%
EBMT Yearly LT Debt VS Equity VS FCFEBMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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5

3. EBMT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.40% over the past year.
  • EBMT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.58% yearly.
  • The Revenue has grown by 12.75% in the past year. This is quite good.
  • The Revenue has been decreasing by -0.15% on average over the past years.
EPS 1Y (TTM)50.4%
EPS 3Y9.04%
EPS 5Y-9.58%
EPS Q2Q%33.33%
Revenue 1Y (TTM)12.75%
Revenue growth 3Y0.75%
Revenue growth 5Y-0.15%
Sales Q2Q%14.13%

3.2 Future

  • Based on estimates for the next years, EBMT will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.06% on average per year.
  • The Revenue is expected to grow by 11.73% on average over the next years. This is quite good.
EPS Next Y8.33%
EPS Next 2Y8.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.89%
Revenue Next 2Y11.73%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 1 2 3

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6

4. EBMT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.77, which indicates a very decent valuation of EBMT.
  • EBMT's Price/Earnings ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 62.89% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. EBMT is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.94, the valuation of EBMT can be described as reasonable.
  • EBMT's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, EBMT is valued rather cheaply.
Industry RankSector Rank
PE 10.77
Fwd PE 9.94
EBMT Price Earnings VS Forward Price EarningsEBMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, EBMT is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.69
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.29
PEG (5Y)N/A
EPS Next 2Y8.06%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. EBMT Dividend Analysis

5.1 Amount

  • EBMT has a Yearly Dividend Yield of 2.82%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, EBMT has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, EBMT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.82%

5.2 History

  • On average, the dividend of EBMT grows each year by 7.61%, 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)7.61%
Div Incr Years24
Div Non Decr Years24
EBMT Yearly Dividends per shareEBMT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • EBMT pays out 30.86% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of EBMT is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP30.86%
EPS Next 2Y8.06%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
EBMT Dividend Payout.EBMT Dividend Payout, showing the Payout Ratio.EBMT Dividend Payout.PayoutRetained Earnings

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EBMT Fundamentals: All Metrics, Ratios and Statistics

EAGLE BANCORP MONTANA INC

NASDAQ:EBMT (3/27/2026, 4:30:02 PM)

After market: 20.25 0 (0%)

20.25

-0.25 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners53.05%
Inst Owner Change4.44%
Ins Owners4.6%
Ins Owner Change0.01%
Market Cap161.39M
Revenue(TTM)91.57M
Net Income(TTM)14.84M
Analysts47.5
Price Target22.44 (10.81%)
Short Float %2.53%
Short Ratio4.34
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend0.57
Dividend Growth(5Y)7.61%
DP30.86%
Div Incr Years24
Div Non Decr Years24
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.82%
Min EPS beat(2)-5.65%
Max EPS beat(2)21.29%
EPS beat(4)2
Avg EPS beat(4)9.57%
Min EPS beat(4)-5.65%
Max EPS beat(4)26.93%
EPS beat(8)4
Avg EPS beat(8)8.17%
EPS beat(12)5
Avg EPS beat(12)0.13%
EPS beat(16)5
Avg EPS beat(16)-7.3%
Revenue beat(2)1
Avg Revenue beat(2)-0.03%
Min Revenue beat(2)-0.23%
Max Revenue beat(2)0.17%
Revenue beat(4)2
Avg Revenue beat(4)0.58%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)2.78%
Revenue beat(8)3
Avg Revenue beat(8)-1.88%
Revenue beat(12)5
Avg Revenue beat(12)0.14%
Revenue beat(16)9
Avg Revenue beat(16)9.94%
PT rev (1m)2.33%
PT rev (3m)22.22%
EPS NQ rev (1m)0.61%
EPS NQ rev (3m)-0.36%
EPS NY rev (1m)-0.91%
EPS NY rev (3m)1.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.89%
Valuation
Industry RankSector Rank
PE 10.77
Fwd PE 9.94
P/S 1.76
P/FCF 5.69
P/OCF 4.87
P/B 0.84
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)1.88
EY9.28%
EPS(NY)2.04
Fwd EY10.06%
FCF(TTM)3.56
FCFY17.56%
OCF(TTM)4.16
OCFY20.53%
SpS11.49
BVpS24.07
TBVpS17.4
PEG (NY)1.29
PEG (5Y)N/A
Graham Number31.91
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 7.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.2%
GM N/A
FCFM 30.95%
ROA(3y)0.55%
ROA(5y)0.64%
ROE(3y)6.42%
ROE(5y)7.05%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.67%
PM growth 5Y-6.76%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.6
Debt/EBITDA N/A
Cap/Depr 56.59%
Cap/Sales 5.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 191.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.44%
ROIC/WACCN/A
Cap/Depr(3y)140.22%
Cap/Depr(5y)165.78%
Cap/Sales(3y)13.07%
Cap/Sales(5y)14.18%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50.4%
EPS 3Y9.04%
EPS 5Y-9.58%
EPS Q2Q%33.33%
EPS Next Y8.33%
EPS Next 2Y8.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.75%
Revenue growth 3Y0.75%
Revenue growth 5Y-0.15%
Sales Q2Q%14.13%
Revenue Next Year18.89%
Revenue Next 2Y11.73%
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 1Y96.04%
FCF growth 3Y4.07%
FCF growth 5YN/A
OCF growth 1Y16.08%
OCF growth 3Y-7.54%
OCF growth 5Y73.29%

EAGLE BANCORP MONTANA INC / EBMT Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for EAGLE BANCORP MONTANA INC?

ChartMill assigns a fundamental rating of 4 / 10 to EBMT.


What is the valuation status for EBMT stock?

ChartMill assigns a valuation rating of 6 / 10 to EAGLE BANCORP MONTANA INC (EBMT). This can be considered as Fairly Valued.


Can you provide the profitability details for EAGLE BANCORP MONTANA INC?

EAGLE BANCORP MONTANA INC (EBMT) has a profitability rating of 2 / 10.


What is the financial health of EAGLE BANCORP MONTANA INC (EBMT) stock?

The financial health rating of EAGLE BANCORP MONTANA INC (EBMT) is 3 / 10.


Is the dividend of EAGLE BANCORP MONTANA INC sustainable?

The dividend rating of EAGLE BANCORP MONTANA INC (EBMT) is 7 / 10 and the dividend payout ratio is 30.86%.