EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
USA - NASDAQ:EBMT - US26942G1004 - Common Stock
16.495 USD
-0.07 (-0.45%)
16.495 USD
0 (0%)
Taking everything into account, EBMT scores 4 out of 10 in our fundamental rating. 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! Finally EBMT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
EBMT had positive earnings in the past year.
In the past year EBMT had a positive cash flow from operations.
EBMT had positive earnings in each of the past 5 years.
Each year in the past 5 years EBMT had a positive operating cash flow.
1.2 Ratios
EBMT has a worse Return On Assets (0.59%) than 73.45% of its industry peers.
With a Return On Equity value of 6.99%, EBMT is not doing good in the industry: 66.49% of the companies in the same industry are doing better.
| 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
Looking at the Profit Margin, with a value of 14.67%, EBMT is doing worse than 78.09% of the companies in the same industry.
EBMT's Profit Margin has declined in the last couple of years.
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.
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.
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.
With a Debt to FCF ratio value of 4.45, EBMT is not doing good in the industry: 65.46% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.33 indicates that EBMT is not too dependend on debt financing.
The Debt to Equity ratio of EBMT (0.33) is worse than 69.07% of its industry peers.
| 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 quite strong growth in Revenue. The Revenue has grown by 9.62% 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)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.
The Revenue is expected to grow by 12.67% on average over the next years. This is quite good.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.53 indicates a reasonable valuation of EBMT.
Based on the Price/Earnings ratio, EBMT is valued a bit cheaper than the industry average as 79.64% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.89, EBMT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.20, the valuation of EBMT can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EBMT indicates a rather cheap valuation: EBMT is cheaper than 80.67% of the companies listed in the same industry.
EBMT is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
66.49% 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 | 9.69 | ||
| 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 3.50%, EBMT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
5.2 History
The dividend of EBMT is nicely growing with an annual growth rate of 6.90%!
EBMT has paid a dividend for at least 10 years, which is a reliable track record.
EBMT has not decreased their dividend for at least 10 years, which is a reliable track record.
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.
EBMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.18%
EPS Next 2Y26.85%
EPS Next 3Y20.84%
16.495
-0.07 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.81%
Inst Owner Change-5.17%
Ins Owners4.46%
Ins Owner Change0.13%
Market Cap131.14M
Revenue(TTM)88.64M
Net Income(TTM)12.62M
Analysts47.5
Price Target18.36 (11.31%)
Short Float %2.4%
Short Ratio8.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
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)0%
EPS NY rev (1m)-1.32%
EPS NY rev (3m)1.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.91%
Revenue NY rev (3m)3.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | 8.2 | ||
| P/S | 1.52 | ||
| P/FCF | 9.69 | ||
| P/OCF | 5.91 | ||
| P/B | 0.73 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.73
EY10.49%
EPS(NY)2.01
Fwd EY12.19%
FCF(TTM)1.7
FCFY10.32%
OCF(TTM)2.79
OCFY16.91%
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)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 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.