EAGLE BANCORP MONTANA INC (EBMT) Fundamental Analysis & Valuation

NASDAQ:EBMT • US26942G1004

Current stock price

22.61 USD
+0.49 (+2.22%)
At close:
22.61 USD
0 (0%)
After Hours:

This EBMT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EBMT Profitability Analysis

1.1 Basic Checks

  • EBMT had positive earnings in the past year.
  • EBMT had a positive operating cash flow in the past year.
  • Each year in the past 5 years EBMT has been profitable.
  • In the past 5 years EBMT always reported a positive cash flow from operatings.
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

  • The Return On Assets of EBMT (0.70%) is worse than 74.20% of its industry peers.
  • EBMT has a worse Return On Equity (7.73%) than 65.96% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 7.73%
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

  • The Profit Margin of EBMT (16.20%) is worse than 81.12% 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 RankSector Rank
OM N/A
PM (TTM) 16.2%
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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3

2. EBMT Health Analysis

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.
  • The debt/assets ratio for EBMT has been reduced compared to a year ago.
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 1.60, which is an excellent value as it means it would take EBMT, only 1.60 years of fcf income to pay off all of its debts.
  • EBMT has a Debt to FCF ratio (1.60) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.24 indicates that EBMT is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.24, EBMT is doing worse than 61.44% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for EBMT, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC14.87%
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. EBMT Growth Analysis

3.1 Past

  • EBMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.40%, which is quite impressive.
  • 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

  • The Earnings Per Share is expected to grow by 8.06% on average over the next years. This is quite good.
  • Based on estimates for the next years, EBMT will show a quite strong growth in Revenue. The Revenue will grow by 11.73% on average per year.
EPS Next Y8.33%
EPS Next 2Y8.06%
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

  • 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.
  • 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.
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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4

4. EBMT Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.03 indicates a correct valuation of EBMT.
  • Compared to the rest of the industry, the Price/Earnings ratio of EBMT is on the same level as its industry peers.
  • EBMT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • The Price/Forward Earnings ratio is 11.10, which indicates a very decent valuation of EBMT.
  • 60.64% of the companies in the same industry are cheaper than EBMT, based on the Price/Forward Earnings ratio.
  • EBMT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 12.03
Fwd PE 11.1
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

  • 89.10% of the companies in the same industry are more expensive than EBMT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.36
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)1.44
PEG (5Y)N/A
EPS Next 2Y8.06%
EPS Next 3YN/A

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

7

5. EBMT Dividend Analysis

5.1 Amount

  • EBMT has a Yearly Dividend Yield of 2.62%.
  • Compared to an average industry Dividend Yield of 2.57, EBMT has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, EBMT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.62%

5.2 History

  • On average, the dividend of EBMT grows each year by 7.61%, 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)7.61%
Div Incr Years25
Div Non Decr Years25
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

  • EBMT pays out 30.86% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of EBMT is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP30.86%
EPS Next 2Y8.06%
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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EBMT Fundamentals: All Metrics, Ratios and Statistics

EAGLE BANCORP MONTANA INC

NASDAQ:EBMT (5/1/2026, 8:23:06 PM)

After market: 22.61 0 (0%)

22.61

+0.49 (+2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners53.24%
Inst Owner Change-0.64%
Ins Owners4.61%
Ins Owner Change0.01%
Market Cap180.20M
Revenue(TTM)91.57M
Net Income(TTM)14.84M
Analysts47.5
Price Target22.44 (-0.75%)
Short Float %1.9%
Short Ratio2.43
Dividend
Industry RankSector Rank
Dividend Yield 2.62%
Yearly Dividend0.57
Dividend Growth(5Y)7.61%
DP30.86%
Div Incr Years25
Div Non Decr Years25
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.82%
Min EPS beat(2)-5.65%
Max EPS beat(2)21.29%
EPS beat(4)2
Avg EPS beat(4)9.57%
Min EPS beat(4)-5.65%
Max EPS beat(4)26.93%
EPS beat(8)4
Avg EPS beat(8)8.17%
EPS beat(12)5
Avg EPS beat(12)0.13%
EPS beat(16)5
Avg EPS beat(16)-7.3%
Revenue beat(2)1
Avg Revenue beat(2)-0.03%
Min Revenue beat(2)-0.23%
Max Revenue beat(2)0.17%
Revenue beat(4)2
Avg Revenue beat(4)0.58%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)2.78%
Revenue beat(8)3
Avg Revenue beat(8)-1.88%
Revenue beat(12)5
Avg Revenue beat(12)0.14%
Revenue beat(16)9
Avg Revenue beat(16)9.94%
PT rev (1m)0%
PT rev (3m)22.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.36%
EPS NY rev (1m)0%
EPS NY rev (3m)1.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.89%
Valuation
Industry RankSector Rank
PE 12.03
Fwd PE 11.1
P/S 1.97
P/FCF 6.36
P/OCF 5.44
P/B 0.94
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)1.88
EY8.31%
EPS(NY)2.04
Fwd EY9.01%
FCF(TTM)3.56
FCFY15.73%
OCF(TTM)4.16
OCFY18.38%
SpS11.49
BVpS24.07
TBVpS17.4
PEG (NY)1.44
PEG (5Y)N/A
Graham Number31.9066 (41.12%)
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 7.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.2%
GM N/A
FCFM 30.95%
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 0.24
Debt/FCF 1.6
Debt/EBITDA N/A
Cap/Depr 56.59%
Cap/Sales 5.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 191.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.87%
ROIC/WACCN/A
Cap/Depr(3y)140.22%
Cap/Depr(5y)165.78%
Cap/Sales(3y)13.07%
Cap/Sales(5y)14.18%
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 Y8.33%
EPS Next 2Y8.06%
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 1Y96.04%
FCF growth 3Y4.07%
FCF growth 5YN/A
OCF growth 1Y16.08%
OCF growth 3Y-7.54%
OCF growth 5Y73.29%

EAGLE BANCORP MONTANA INC / EBMT Fundamental Analysis 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 4 / 10 to EAGLE BANCORP MONTANA INC (EBMT). This can be considered as Fairly Valued.


What is the profitability of EBMT stock?

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 3 / 10.


What is the expected EPS growth for EAGLE BANCORP MONTANA INC (EBMT) stock?

The Earnings per Share (EPS) of EAGLE BANCORP MONTANA INC (EBMT) is expected to grow by 8.33% in the next year.