Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $128.11M
• Dividend Yield: 3.53%
• Average Volume (3M): 34.00K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.72
• Revenue Growth: 12.17%
• EPS Growth: -3.38%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 1.24
• Shares Outstanding: 7,977,177
• 10 Day Avg. Volume: 35,300
• 30 Day Avg. Volume: 34,002
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.67
• Price to Cash Flow (P/CF): 2.20
• P/FCF Ratio: 0.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $17.00
• Price Target Upside: 5.85% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

Eagle Bancorp Montana's strong financial performance, fair valuation, and neutral technical indicators contribute to a solid overall stock score. The company shows robust revenue growth, operational efficiency, and attractive dividend yield, although profitability metrics like ROE show slight declines. The technical analysis indicates a stable stock position, with potential for growth supported by a fair valuation.

Eagle Bancorp Montana Business Overview & Revenue Model

Company Description

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

How the Company Makes Money

Eagle Bancorp Montana generates revenue primarily through the interest income earned on loans and investments. The company offers a variety of loan products, including residential mortgages, commercial real estate loans, consumer loans, and agricultural loans, which provide interest income. Additionally, EBMT earns non-interest income from service charges on deposit accounts, fees from financial services such as wealth management, and gains from the sale of mortgage loans. The bank's earnings are influenced by factors such as interest rate fluctuations, loan demand, and the overall economic environment in the regions it operates. Strategic partnerships and community-focused initiatives further support the bank's revenue-generating activities and contribute to its profitability.

Eagle Bancorp Montana Financial Statement Overview

Summary

Eagle Bancorp Montana demonstrates strong financial performance with significant revenue growth and improved operational efficiency. The balance sheet reflects zero debt and stable equity, though ROE has slightly declined. Cash flow is robust with improved liquidity and cash generation, albeit with a slight decline in net profitability.

Income Statement

Eagle Bancorp Montana has shown strong revenue growth from $83 million in 2023 to $104 million in 2024, reflecting a 25% increase. The gross profit margin remains robust at 100%, as expected in the banking industry due to revenue being composed mostly of interest income. EBIT margin has significantly improved from 2.1% in 2023 to 96.9% in 2024, indicating enhanced operational efficiency. However, the net profit margin decreased slightly from 12.1% to 9.4%, suggesting increased expenses or interest costs. Overall, the income statement reflects strong revenue growth and operational efficiency, albeit with a slight decline in net profitability.

Balance Sheet

The balance sheet is stable with no total debt, reflecting strong financial health and low leverage risk, which is crucial for a bank. The debt-to-equity ratio is effectively zero for 2024. The return on equity (ROE) has decreased from 5.9% in 2023 to 5.6% in 2024, indicating slightly lower efficiency in generating profits from shareholders' equity. The equity ratio has improved to 8.3% in 2024 from 8.2% in 2023, suggesting a marginal increase in asset financing through equity. Overall, the balance sheet shows stability, although there is a slight decline in profitability metrics.

Cash Flow

The cash flow statement shows a significant improvement in operating cash flow from $9.3 million in 2023 to $28.5 million in 2024, indicating better cash-generating efficiency. The free cash flow has also turned positive, reaching $28.5 million in 2024 from a deficit in the previous year, showcasing strong cash management. The operating cash flow to net income ratio has improved, indicating better cash conversion, but the free cash flow to net income ratio remains consistent, reflecting stable cash flow relative to profits. The cash flow position is strong with improved liquidity and operational cash generation.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
104.21M	83.31M	4.28M	91.57M	90.35M
	Gross Profit
104.21M	83.74M	4.28M	91.57M	90.35M
	EBIT
100.96M	1.76M	26.37M	19.28M	28.44M
	EBITDA
0.00	0.00	0.00	0.00	42.41M
	Net Income Common Stockholders
9.78M	10.06M	10.70M	14.42M	21.21M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
322.41M	24.55M	371.31M	325.87M	225.13M
	Total Assets
2.10B	2.08B	1.95B	1.44B	1.26B
	Total Debt
200.08M	234.74M	128.24M	34.87M	46.86M
	Net Debt
168.52M	210.19M	106.43M	-19.74M	-15.33M
	Total Liabilities
1.93B	1.91B	1.79B	35.52M	47.32M
	Stockholders Equity
174.76M	169.27M	158.42M	156.73M	152.94M
Cash Flow		Free Cash Flow
28.54M	-4.84M	25.15M	44.24M	-18.52M
	Operating Cash Flow
28.54M	9.35M	41.91M	56.45M	2.12M
	Investing Cash Flow
-27.80M	-108.20M	-235.04M	-232.92M	-22.04M
	Financing Cash Flow
6.27M	101.59M	153.51M	168.10M	64.80M

Eagle Bancorp Montana Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 16.06
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EBMT, the sentiment is Negative. The current price of 16.06 is below the 20-day moving average (MA) of 16.81, below the 50-day MA of 16.58, and above the 200-day MA of 15.40, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 46.18 is Neutral, neither overbought nor oversold. The STOCH value of 45.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EBMT.

Eagle Bancorp Montana Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EBMT	69 Neutral	$128.11M	12.90	5.68%	3.53%	12.17%	-3.38%
CZNC	67 Neutral	$295.09M	11.31	9.58%	5.87%	3.55%	6.97%
EBTC	67 Neutral	$433.57M	11.14	11.23%	2.79%	15.25%	0.37%
UBCP	65 Neutral	$76.85M	10.10	11.23%	5.55%	7.53%	-19.74%
Sector *	63 Neutral	$12.86B	9.19	9.16%	4.78%	16.31%	-8.97%
FUNC	58 Neutral	$168.63M	8.28	12.06%	3.22%	16.56%	40.31%
ASRV	51 Neutral	$38.16M	10.78	3.44%	5.19%	9.36%	―

Eagle Bancorp Montana Corporate Events

Eagle Bancorp Montana Director Benjamin Ruddy Resigns

On January 28, 2025, Benjamin G. Ruddy resigned from the Board of Eagle Bancorp Montana and its subsidiary, Opportunity Bank of Montana, citing personal reasons. His departure, effective immediately, leaves a vacancy ahead of the term’s original expiration at the 2025 Annual Meeting of Stockholders, and the company expressed gratitude for his contributions.

Eagle Bancorp Montana Highlights Strong 2024 Performance

In January 2025, Eagle Bancorp Montana, Inc. announced its executive officers would present to institutional investors, highlighting the company’s strong financial performance in 2024, including a net income of $9.8 million. The bank has demonstrated a strong credit culture and strategic execution, with notable past acquisitions, and is well-positioned for future growth with a solid asset quality and deposit base.