EAGLE BANCORP MONTANA INC (EBMT) Stock Fundamental Analysis
NASDAQ:EBMT - Nasdaq - US26942G1004 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to EBMT. EBMT was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of EBMT have multiple concerns. EBMT has a decent growth rate and is not valued too expensively. 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.
Of the past 5 years EBMT 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.40%, EBMT is not doing good in the industry: 79.40% 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: 77.64% 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
With a Profit Margin value of 10.52%, EBMT is not doing good in the industry: 82.91% of the companies in the same industry are doing better.
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 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.
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.
Compared to 1 year ago, EBMT has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EBMT is 5.09, which is a neutral value as it means it would take EBMT, 5.09 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.09, EBMT is doing worse than 67.59% of the companies in the same industry.
A Debt/Equity ratio of 0.34 indicates that EBMT is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.34, EBMT is not doing good in the industry: 69.60% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.36%
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.
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.
EBMT shows a decrease in Revenue. In the last year, the revenue decreased by -4.68%.
EBMT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.33% yearly.
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
EBMT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.58% yearly.
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 Y27.02%
EPS Next 2Y18.58%
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
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 13.22, the valuation of EBMT can be described as correct.
63.57% of the companies in the same industry are cheaper than EBMT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.29. EBMT is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.41 indicates a reasonable valuation of EBMT.
EBMT's Price/Forward Earnings ratio is in line with the industry average.
EBMT is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.22 | ||
| Fwd PE | 10.41 |
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 | 11.15 | ||
| 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 18.58% in the coming years.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y18.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EBMT has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.78, EBMT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.57, EBMT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
5.2 History
On average, the dividend of EBMT grows each year by 7.79%, 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 their dividend for at least 10 years, which is a reliable track record.
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.
The dividend of EBMT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP52.99%
EPS Next 2Y18.58%
EPS Next 3YN/A
NASDAQ:EBMT (4/17/2025, 8:14:36 PM)
16.525
+0.34 (+2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.52%
Inst Owner Change0%
Ins Owners4.95%
Ins Owner Change0.42%
Market Cap131.87M
Analysts47.5
Price Target17.34 (4.93%)
Short Float %0.29%
Short Ratio0.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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)2%
PT rev (3m)-2.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.22%
EPS NY rev (3m)0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.22 | ||
| Fwd PE | 10.41 | ||
| P/S | 1.63 | ||
| P/FCF | 11.15 | ||
| P/OCF | 5.24 | ||
| P/B | 0.74 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY7.56%
EPS(NY)1.59
Fwd EY9.61%
FCF(TTM)1.48
FCFY8.97%
OCF(TTM)3.15
OCFY19.09%
SpS10.13
BVpS22.27
TBVpS15.38
PEG (NY)0.49
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
WACC11.36%
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 Y27.02%
EPS Next 2Y18.58%
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