EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
NASDAQ:EBMT - Nasdaq - US26942G1004 - Common Stock - Currency: USD
EBMT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. EBMT has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
Each year in the past 5 years EBMT has been profitable.
EBMT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.53%, EBMT is not doing good in the industry: 74.24% of the companies in the same industry are doing better.
The Return On Equity of EBMT (6.26%) is worse than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 6.26% | ||
| 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
Looking at the Profit Margin, with a value of 13.40%, EBMT is doing worse than 79.55% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.4% | ||
| 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.
The number of shares outstanding for EBMT has been increased compared to 5 years ago.
EBMT has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of EBMT is 4.86, which is a neutral value as it means it would take EBMT, 4.86 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.86, EBMT is doing worse than 70.45% of the companies in the same industry.
A Debt/Equity ratio of 0.34 indicates that EBMT is not too dependend on debt financing.
EBMT's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. EBMT is outperformed by 72.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 4.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.08%
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 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.
EBMT shows a decrease in Revenue. In the last year, the revenue decreased by -0.36%.
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
The Earnings Per Share is expected to grow by 22.76% on average over the next years. This is a very strong growth
EBMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.18% yearly.
EPS Next Y43.07%
EPS Next 2Y22.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.35%
Revenue Next 2Y8.18%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 12.09, the valuation of EBMT can be described as correct.
EBMT's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of EBMT to the average of the S&P500 Index (27.69), we can say EBMT is valued rather cheaply.
EBMT is valuated reasonably with a Price/Forward Earnings ratio of 9.12.
EBMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EBMT is cheaper than 69.44% of the companies in the same industry.
EBMT is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.36, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.09 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as EBMT.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.03 | ||
| 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.
EBMT's earnings are expected to grow with 22.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y22.76%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 3.32%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, EBMT pays a bit more dividend than its industry peers.
EBMT's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
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
40.93% of the earnings are spent on dividend by EBMT. 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.
DP40.93%
EPS Next 2Y22.76%
EPS Next 3YN/A
17.17
+0.01 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.21%
Inst Owner Change0.06%
Ins Owners4.66%
Ins Owner Change-1.93%
Market Cap136.50M
Analysts47.5
Price Target18.36 (6.93%)
Short Float %3.13%
Short Ratio3.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
Yearly Dividend0.57
Dividend Growth(5Y)6.9%
DP40.93%
Div Incr Years24
Div Non Decr Years24
Ex-Date
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)-1.82%
PT rev (3m)5.88%
EPS NQ rev (1m)-0.79%
EPS NQ rev (3m)7.69%
EPS NY rev (1m)0%
EPS NY rev (3m)12.63%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.09 | ||
| Fwd PE | 9.12 | ||
| P/S | 1.65 | ||
| P/FCF | 11.03 | ||
| P/OCF | 5.86 | ||
| P/B | 0.77 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.42
EY8.27%
EPS(NY)1.88
Fwd EY10.97%
FCF(TTM)1.56
FCFY9.07%
OCF(TTM)2.93
OCFY17.07%
SpS10.44
BVpS22.34
TBVpS15.52
PEG (NY)0.28
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 6.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.4% | ||
| GM | N/A | ||
| FCFM | 14.92% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 4.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 121.94% | ||
| Cap/Sales | 13.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 111.33% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.08%
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)26.79%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%70.83%
EPS Next Y43.07%
EPS Next 2Y22.76%
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 Year11.35%
Revenue Next 2Y8.18%
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-31.1%
FCF growth 3Y-31.11%
FCF growth 5YN/A
OCF growth 1Y-33.15%
OCF growth 3Y-20.34%
OCF growth 5Y138.48%