EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
NASDAQ:EBMT - Nasdaq - US26942G1004 - Common Stock - Currency: USD
Overall EBMT gets a fundamental rating of 3 out of 10. We evaluated EBMT against 405 industry peers in the Banks industry. Both the profitability and financial health of EBMT have multiple concerns. EBMT is not valued too expensively and it also shows a decent growth rate. 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.
In the past 5 years EBMT has always been profitable.
EBMT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.40%, EBMT is not doing good in the industry: 79.45% of the companies in the same industry are doing better.
With a Return On Equity value of 4.79%, EBMT is not doing good in the industry: 75.44% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 4.79% | ||
| 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 10.52%, EBMT is doing worse than 82.71% 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) | 10.52% | ||
| 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.
Compared to 1 year ago, EBMT has about the same amount of shares outstanding.
Compared to 5 years ago, EBMT has more shares outstanding
The debt/assets ratio for EBMT has been reduced compared to a year ago.
2.2 Solvency
EBMT has a debt to FCF ratio of 5.09. This is a neutral value as EBMT would need 5.09 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.09, EBMT is doing worse than 63.66% of the companies in the same industry.
EBMT has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
EBMT has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: EBMT underperforms 67.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for EBMT have decreased by -3.85% in the last year.
EBMT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.34% yearly.
The Revenue has decreased by -4.68% in the past 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)-3.85%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%60.71%
Revenue 1Y (TTM)-4.68%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%-10.07%
3.2 Future
The Earnings Per Share is expected to grow by 18.36% 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 8.01% on average per year.
EPS Next Y26.75%
EPS Next 2Y18.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.72%
Revenue Next 2Y8.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.42, EBMT is valued correctly.
EBMT's Price/Earnings is on the same level as the industry average.
EBMT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
The Price/Forward Earnings ratio is 11.37, which indicates a very decent valuation of EBMT.
EBMT's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of EBMT to the average of the S&P500 Index (22.70), we can say EBMT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.42 | ||
| Fwd PE | 11.37 |
4.2 Price Multiples
EBMT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.23 | ||
| 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.
A more expensive valuation may be justified as EBMT's earnings are expected to grow with 18.36% in the coming years.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y18.36%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 3.15%.
Compared to an average industry Dividend Yield of 3.19, EBMT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, EBMT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
5.2 History
The dividend of EBMT is nicely growing with an annual growth rate of 7.79%!
EBMT has paid a dividend for at least 10 years, which is 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)7.79%
Div Incr Years24
Div Non Decr Years24
5.3 Sustainability
EBMT pays out 52.99% of its income as dividend. This is a bit on the high side, but may be sustainable.
EBMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.99%
EPS Next 2Y18.36%
EPS Next 3YN/A
NASDAQ:EBMT (2/21/2025, 8:14:55 PM)
18.02
-0.05 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.52%
Inst Owner Change-95.62%
Ins Owners4.95%
Ins Owner Change0.42%
Market Cap144.70M
Analysts47.5
Price Target17 (-5.66%)
Short Float %0.37%
Short Ratio1.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
Yearly Dividend0.55
Dividend Growth(5Y)7.79%
DP52.99%
Div Incr Years24
Div Non Decr Years24
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.39%
Min EPS beat(2)-24.67%
Max EPS beat(2)9.89%
EPS beat(4)1
Avg EPS beat(4)-10.25%
Min EPS beat(4)-24.67%
Max EPS beat(4)9.89%
EPS beat(8)2
Avg EPS beat(8)-11.32%
EPS beat(12)2
Avg EPS beat(12)-21.84%
EPS beat(16)3
Avg EPS beat(16)-20.13%
Revenue beat(2)0
Avg Revenue beat(2)-1.74%
Min Revenue beat(2)-3.09%
Max Revenue beat(2)-0.39%
Revenue beat(4)1
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-15.74%
Max Revenue beat(4)18.64%
Revenue beat(8)3
Avg Revenue beat(8)1.14%
Revenue beat(12)7
Avg Revenue beat(12)19.29%
Revenue beat(16)11
Avg Revenue beat(16)44.21%
PT rev (1m)-4.76%
PT rev (3m)-1.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.43%
EPS NY rev (3m)0.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.44%
Revenue NY rev (3m)1.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.42 | ||
| Fwd PE | 11.37 | ||
| P/S | 1.79 | ||
| P/FCF | 12.23 | ||
| P/OCF | 5.75 | ||
| P/B | 0.81 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY6.94%
EPS(NY)1.58
Fwd EY8.79%
FCF(TTM)1.47
FCFY8.17%
OCF(TTM)3.13
OCFY17.4%
SpS10.07
BVpS22.13
TBVpS15.28
PEG (NY)0.54
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 4.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.52% | ||
| GM | N/A | ||
| FCFM | 14.63% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.09 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 164% | ||
| Cap/Sales | 16.5% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 138.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC10.96%
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)-3.85%
EPS 3Y-16.67%
EPS 5Y-7.34%
EPS Q2Q%60.71%
EPS Next Y26.75%
EPS Next 2Y18.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.68%
Revenue growth 3Y-4.86%
Revenue growth 5Y5.33%
Sales Q2Q%-10.07%
Revenue Next Year9.72%
Revenue Next 2Y8.01%
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 1Y104.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.58%
OCF growth 3YN/A
OCF growth 5YN/A