19.9 USD
-0.05 (-0.25%)
19.9 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EBMT. EBMT was compared to 388 industry peers in the Banks industry. EBMT has a bad profitability rating. Also its financial health evaluation is rather negative. EBMT is valued quite cheap, while showing a decent growth score. This is a good combination! 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.
EBMT had positive earnings in each of the past 5 years.
EBMT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EBMT has a worse Return On Assets (0.64%) than 69.33% of its industry peers.
EBMT has a worse Return On Equity (7.26%) than 64.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.26% | ||
| 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 15.27% is on the low side compared to the rest of the industry. EBMT is outperformed by 76.29% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.27% | ||
| 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.
EBMT has more shares outstanding than it did 5 years ago.
EBMT has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of EBMT is 2.87, which is a good value as it means it would take EBMT, 2.87 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.87, EBMT is not doing good in the industry: 61.08% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.32 indicates that EBMT is not too dependend on debt financing.
EBMT has a Debt to Equity ratio of 0.32. This is in the lower half of the industry: EBMT underperforms 69.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 2.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.54%
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 60.19% over the past year.
Measured over the past years, EBMT shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.34% on average per year.
EBMT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.62%.
EBMT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.33% yearly.
EPS 1Y (TTM)60.19%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%35.29%
Revenue 1Y (TTM)9.62%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%18.26%
3.2 Future
EBMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.84% yearly.
Based on estimates for the next years, EBMT will show a quite strong growth in Revenue. The Revenue will grow by 12.67% on average per year.
EPS Next Y44.7%
EPS Next 2Y26.85%
EPS Next 3Y20.84%
EPS Next 5YN/A
Revenue Next Year15.44%
Revenue Next 2Y10.76%
Revenue Next 3Y12.67%
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
Based on the Price/Earnings ratio of 11.50, the valuation of EBMT can be described as reasonable.
Based on the Price/Earnings ratio, EBMT is valued a bit cheaper than the industry average as 61.60% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.51. EBMT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.89, the valuation of EBMT can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EBMT is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of EBMT to the average of the S&P500 Index (23.13), we can say EBMT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.5 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EBMT is valued cheaply inside the industry as 81.70% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.54 | ||
| 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 20.84% in the coming years.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y26.85%
EPS Next 3Y20.84%
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 2.93%.
Compared to an average industry Dividend Yield of 2.74, EBMT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, EBMT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
5.2 History
The dividend of EBMT is nicely growing with an annual growth rate of 6.90%!
EBMT has been paying a dividend for at least 10 years, so it has 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
EBMT pays out 33.76% of its income as dividend. This is a sustainable payout ratio.
EBMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.76%
EPS Next 2Y26.85%
EPS Next 3Y20.84%
19.9
-0.05 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.14%
Inst Owner Change-5.17%
Ins Owners4.71%
Ins Owner Change0%
Market Cap158.21M
Revenue(TTM)88.64M
Net Income(TTM)13.54M
Analysts47.5
Price Target18.36 (-7.74%)
Short Float %2.98%
Short Ratio7.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
Yearly Dividend0.57
Dividend Growth(5Y)6.9%
DP33.76%
Div Incr Years24
Div Non Decr Years24
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.97%
Min EPS beat(2)-5.65%
Max EPS beat(2)-4.3%
EPS beat(4)2
Avg EPS beat(4)17.06%
Min EPS beat(4)-5.65%
Max EPS beat(4)51.26%
EPS beat(8)3
Avg EPS beat(8)3.41%
EPS beat(12)4
Avg EPS beat(12)-1.86%
EPS beat(16)4
Avg EPS beat(16)-12.12%
Revenue beat(2)2
Avg Revenue beat(2)1.47%
Min Revenue beat(2)0.17%
Max Revenue beat(2)2.78%
Revenue beat(4)3
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)2.78%
Revenue beat(8)4
Avg Revenue beat(8)0.48%
Revenue beat(12)6
Avg Revenue beat(12)1.13%
Revenue beat(16)10
Avg Revenue beat(16)14.75%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.02%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.5 | ||
| Fwd PE | 9.89 | ||
| P/S | 1.78 | ||
| P/FCF | 7.54 | ||
| P/OCF | 5.62 | ||
| P/B | 0.85 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.73
EY8.69%
EPS(NY)2.01
Fwd EY10.11%
FCF(TTM)2.64
FCFY13.26%
OCF(TTM)3.54
OCFY17.79%
SpS11.15
BVpS23.46
TBVpS16.73
PEG (NY)0.26
PEG (5Y)N/A
Graham Number30.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.27% | ||
| GM | N/A | ||
| FCFM | 23.67% |
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
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 3Y-7.66%
PM growth 5Y-7.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 2.87 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 90.42% | ||
| Cap/Sales | 8.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 154.95% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.54%
ROIC/WACCN/A
Cap/Depr(3y)200.86%
Cap/Depr(5y)216.82%
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)60.19%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%35.29%
EPS Next Y44.7%
EPS Next 2Y26.85%
EPS Next 3Y20.84%
EPS Next 5YN/A
Revenue 1Y (TTM)9.62%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%18.26%
Revenue Next Year15.44%
Revenue Next 2Y10.76%
Revenue Next 3Y12.67%
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 1Y263.59%
FCF growth 3Y-31.11%
FCF growth 5YN/A
OCF growth 1Y20.3%
OCF growth 3Y-20.34%
OCF growth 5Y138.48%
EAGLE BANCORP MONTANA INC / EBMT 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 7 / 10 to EAGLE BANCORP MONTANA INC (EBMT). This can be considered as Undervalued.
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 2 / 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 33.76%.