EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
USA - NASDAQ:EBMT - US26942G1004 - Common Stock
16.5 USD
+0.02 (+0.12%)
Taking everything into account, EBMT scores 4 out of 10 in our fundamental rating. EBMT was compared to 390 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. Finally EBMT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year EBMT was profitable.
In the past year EBMT had a positive cash flow from operations.
In the past 5 years EBMT has always been profitable.
EBMT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EBMT has a worse Return On Assets (0.59%) than 72.31% of its industry peers.
EBMT has a Return On Equity of 6.99%. This is in the lower half of the industry: EBMT underperforms 64.10% 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 76.41% of its industry peers.
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.
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.
2.2 Solvency
The Debt to FCF ratio of EBMT is 4.45, which is a neutral value as it means it would take EBMT, 4.45 years of fcf income to pay off all of its debts.
EBMT's Debt to FCF ratio of 4.45 is on the low side compared to the rest of the industry. EBMT is outperformed by 64.87% of its industry peers.
A Debt/Equity ratio of 0.33 indicates that EBMT is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.33, EBMT is doing worse than 70.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.95%
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 60.19%, which is quite impressive.
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.
Looking at the last year, EBMT shows a decrease in Revenue. The Revenue has decreased by -4.68% 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)60.19%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%35.29%
Revenue 1Y (TTM)-4.68%
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
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.
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
The Price/Earnings ratio is 9.54, which indicates a very decent valuation of EBMT.
Based on the Price/Earnings ratio, EBMT is valued a bit cheaper than the industry average as 78.46% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.83, EBMT is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.20, the valuation of EBMT can be described as very reasonable.
Based on the Price/Forward Earnings ratio, EBMT is valued a bit cheaper than 79.49% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. EBMT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
69.23% of the companies in the same industry are more expensive than EBMT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.7 | ||
| 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 20.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y26.85%
EPS Next 3Y20.84%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.52%, EBMT has a reasonable but not impressive dividend return.
EBMT's Dividend Yield is a higher than the industry average which is at 3.38.
EBMT's Dividend Yield is a higher than the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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 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 2Y26.85%
EPS Next 3Y20.84%
NASDAQ:EBMT (11/7/2025, 8:00:02 PM)
16.5
+0.02 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.81%
Inst Owner Change-1.49%
Ins Owners4.46%
Ins Owner Change-2.56%
Market Cap131.18M
Revenue(TTM)81.21M
Net Income(TTM)12.62M
Analysts47.5
Price Target18.36 (11.27%)
Short Float %2.4%
Short Ratio8.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.27%
EPS NY rev (1m)0.17%
EPS NY rev (3m)2.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.94%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.2 | ||
| P/S | 1.52 | ||
| P/FCF | 9.7 | ||
| P/OCF | 5.92 | ||
| P/B | 0.73 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.73
EY10.48%
EPS(NY)2.01
Fwd EY12.19%
FCF(TTM)1.7
FCFY10.31%
OCF(TTM)2.79
OCFY16.9%
SpS10.82
BVpS22.72
TBVpS15.96
PEG (NY)0.21
PEG (5Y)N/A
Graham Number29.74
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
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 4.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 103.21% | ||
| 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
WACC13.95%
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)-4.68%
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 1Y6249.55%
FCF growth 3Y-31.11%
FCF growth 5YN/A
OCF growth 1Y37.11%
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.
Can you provide the valuation status for EAGLE BANCORP MONTANA INC?
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.
How financially healthy is EAGLE BANCORP MONTANA INC?
The financial health rating of EAGLE BANCORP MONTANA INC (EBMT) is 1 / 10.
Can you provide the expected EPS growth for EBMT stock?
The Earnings per Share (EPS) of EAGLE BANCORP MONTANA INC (EBMT) is expected to grow by 44.7% in the next year.