EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis

NASDAQ:EBMT • US26942G1004

22.51 USD
+0.08 (+0.36%)
Last: Feb 20, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall EBMT gets a fundamental rating of 4 out of 10. We evaluated EBMT against 381 industry peers in the Banks industry. Both the profitability and financial health of EBMT have multiple concerns. EBMT has a correct valuation and a medium growth rate. EBMT also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

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 4 of the past 5 years.
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 0.64%, EBMT is not doing good in the industry: 69.82% of the companies in the same industry are doing better.
  • The Return On Equity of EBMT (7.26%) is worse than 64.30% of its industry peers.
Industry RankSector Rank
ROA 0.64%
ROE 7.26%
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

  • EBMT's Profit Margin of 15.27% is on the low side compared to the rest of the industry. EBMT is outperformed by 76.64% of its industry peers.
  • 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) 15.27%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • EBMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, EBMT has less shares outstanding
  • 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.
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

  • 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.
  • EBMT's Debt to FCF ratio of 2.87 is on the low side compared to the rest of the industry. EBMT is outperformed by 61.15% of its industry peers.
  • A Debt/Equity ratio of 0.32 indicates that EBMT is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.32, EBMT is not doing good in the industry: 68.50% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.87
Altman-Z N/A
ROIC/WACCN/A
WACC13.05%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.40% over the past year.
  • Measured over the past years, EBMT shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.58% on average per year.
  • EBMT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.75%.
  • 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 9.09% 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 Y9.32%
EPS Next 2Y9.09%
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.97, the valuation of EBMT can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of EBMT indicates a somewhat cheap valuation: EBMT is cheaper than 61.15% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of EBMT to the average of the S&P500 Index (26.99), we can say EBMT is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.95, 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, EBMT is valued rather cheaply.
Industry RankSector Rank
PE 11.97
Fwd PE 10.95
EBMT Price Earnings VS Forward Price EarningsEBMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, EBMT is valued cheaply inside the industry as 80.31% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.54
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

  • EBMT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.28
PEG (5Y)N/A
EPS Next 2Y9.09%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • EBMT has a Yearly Dividend Yield of 2.56%.
  • 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 1.85, EBMT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.56%

5.2 History

  • On average, the dividend of EBMT grows each year by 6.90%, which is quite nice.
  • 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
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

  • 33.76% 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.
DP33.76%
EPS Next 2Y9.09%
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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EAGLE BANCORP MONTANA INC

NASDAQ:EBMT (2/20/2026, 8:00:01 PM)

22.51

+0.08 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners50.22%
Inst Owner Change4.32%
Ins Owners4.71%
Ins Owner Change0.33%
Market Cap179.18M
Revenue(TTM)91.57M
Net Income(TTM)13.54M
Analysts45.71
Price Target21.93 (-2.58%)
Short Float %2.52%
Short Ratio3.94
Dividend
Industry RankSector Rank
Dividend Yield 2.56%
Yearly Dividend0.57
Dividend Growth(5Y)6.9%
DP33.76%
Div Incr Years24
Div Non Decr Years24
Ex-Date02-13
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)19.44%
PT rev (3m)19.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.18%
EPS NY rev (3m)2.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)11.89%
Revenue NY rev (3m)11.89%
Valuation
Industry RankSector Rank
PE 11.97
Fwd PE 10.95
P/S 2.02
P/FCF 8.54
P/OCF 6.37
P/B 0.96
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)1.88
EY8.35%
EPS(NY)2.06
Fwd EY9.13%
FCF(TTM)2.64
FCFY11.71%
OCF(TTM)3.54
OCFY15.71%
SpS11.14
BVpS23.43
TBVpS16.71
PEG (NY)1.28
PEG (5Y)N/A
Graham Number31.48
Profitability
Industry RankSector 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)0.55%
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 0.32
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-Score9
WACC13.05%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y9.32%
EPS Next 2Y9.09%
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 1Y77.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y11.83%
OCF growth 3YN/A
OCF growth 5YN/A

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 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 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%.