Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $134.39M
• Dividend Yield: 3.42%
• Average Volume (3M): 33.60K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.53
• Revenue Growth: 6.74%
• EPS Growth: 49.28%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 7,952,177
• 10 Day Avg. Volume: 28,391
• 30 Day Avg. Volume: 33,596
• PEG Ratio: -3.99
• Price to Book (P/B): 0.69
• Price to Sales (P/S): 1.00
• P/FCF Ratio: 8.36
• Enterprise Value/Market Cap: 2.11
• Enterprise Value/Revenue: 2.33
• Enterprise Value/Gross Profit: 3.51
• Enterprise Value/Ebitda: 12.98
• 1Y Price Target: $18.25
• Price Target Upside: 10.27% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 68 Neutral
• Price Target: $18.50 ▲(11.78% Upside)

Eagle Bancorp Montana's overall stock score reflects solid financial performance with consistent revenue growth and stable profitability. The valuation is attractive with a reasonable P/E ratio and a good dividend yield. However, the technical analysis indicates a neutral trend, suggesting limited short-term momentum. The absence of earnings call data and notable corporate events means these factors do not influence the score.

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 interest income from loans and investments, as well as non-interest income from various banking services. The key revenue streams include interest earned on commercial and consumer loans, mortgage loans, and investment securities. Additionally, the company earns fees from account services, transaction services, and other banking-related activities. Significant partnerships with local businesses and organizations enhance its ability to attract deposits and lending opportunities, contributing to its overall earnings. The company's focus on local markets and community-oriented banking helps it maintain a competitive edge and foster customer loyalty.

Eagle Bancorp Montana Financial Statement Overview

Summary

Eagle Bancorp Montana exhibits a solid financial performance with consistent revenue growth and stable profitability. The company maintains a balanced leverage position, but its relatively low equity ratio suggests a higher reliance on debt, requiring careful management. Cash flow generation is robust, although there is a need to address the declining free cash flow trend.

Income Statement

The income statement reflects solid profitability with a gross profit margin of 66.37% and a net profit margin of 9.14% for TTM (Trailing-Twelve-Months). Revenue growth has been consistent, showing a 7.17% increase from 2023 to 2024, indicating a positive growth trajectory. However, the EBIT and EBITDA margins are slightly low at 10.68% and 17.94%, respectively, suggesting potential room for operational efficiency improvements.

Balance Sheet

The balance sheet displays a moderate financial structure. The debt-to-equity ratio stands at 1.04, indicating a balanced leverage position. The return on equity (ROE) is modest at 6.26% for TTM (Trailing-Twelve-Months), which is typical for the regional banking industry. The equity ratio is relatively low at 8.50%, suggesting higher reliance on liabilities compared to equity, which could pose risks if not managed carefully.

Cash Flow

The cash flow statement shows a stable cash generation with a free cash flow to net income ratio of 1.11 for TTM (Trailing-Twelve-Months), indicating effective conversion of earnings into cash. However, the free cash flow growth rate has seen a decline, with a 14.37% decrease from 2023 to 2024. The operating cash flow to net income ratio of 2.09 suggests a healthy cash flow relative to net income, supporting operational stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	121.64M	120.42M	112.45M	93.65M	93.19M	90.35M
Gross Profit	80.69M	79.13M	81.86M	85.50M	89.13M	90.35M
EBITDA	21.82M	20.28M	19.55M	21.56M	27.11M	42.41M
Net Income	11.12M	9.78M	10.06M	10.70M	14.42M	21.21M
Balance Sheet
Total Assets	2.09B	2.10B	2.08B	1.95B	1.44B	1.26B
Cash, Cash Equivalents and Short-Term Investments	142.08M	150.94M	342.82M	371.31M	325.87M	225.13M
Total Debt	184.14M	201.09M	234.74M	128.24M	34.87M	46.86M
Total Liabilities	1.91B	1.93B	1.91B	1.79B	1.28B	1.10B
Stockholders Equity	177.57M	174.76M	169.27M	158.42M	156.73M	152.94M
Cash Flow
Free Cash Flow	12.38M	14.46M	-4.84M	25.15M	44.24M	-18.52M
Operating Cash Flow	23.30M	28.54M	9.35M	41.91M	56.45M	2.12M
Investing Cash Flow	-17.47M	-27.80M	-108.20M	-235.04M	-232.92M	-22.04M
Financing Cash Flow	-3.94M	6.27M	101.59M	153.51M	168.10M	64.80M

Eagle Bancorp Montana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.55
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EBMT, the sentiment is Positive. The current price of 16.55 is above the 20-day moving average (MA) of 16.25, above the 50-day MA of 16.43, and above the 200-day MA of 16.28, indicating a bullish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 53.31 is Neutral, neither overbought nor oversold. The STOCH value of 77.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EBMT.

Eagle Bancorp Montana Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNB	75 Outperform	$122.89M	13.35	13.63%	5.33%	11.50%	-8.24%
CZWI	73 Outperform	$156.05M	12.77	6.93%	2.30%	-0.96%	-7.38%
RMBI	71 Outperform	$149.20M	15.18	7.23%	4.10%	9.70%	18.24%
FNWD	69 Neutral	$127.97M	23.95	3.51%	1.69%	-7.40%	-59.70%
EBMT	68 Neutral	$134.39M	10.50	7.19%	3.42%	6.74%	49.28%
Sector *	62 Neutral	C$15.64B	6.64	13.72%	5.97%	22.30%	-10.12%

Eagle Bancorp Montana Corporate Events

Eagle Bancorp Montana Reports Strong Q1 2025 Earnings

Eagle Bancorp Montana, Inc. announced that its executive officers will present to institutional investors during the first week of May 2025. The company has a strong credit culture, excellent credit quality, and a history of strategic acquisitions, including the recent completion of several bank acquisitions. The bank reported a net income of $3.2 million for the first quarter of 2025, with a net interest margin of 3.74% and a return on average assets of 0.62%.