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Eagle Bancorp Montana (EBMT)
NASDAQ:EBMT

Eagle Bancorp Montana (EBMT) AI Stock Analysis

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Eagle Bancorp Montana

(NASDAQ:EBMT)

Rating:72Outperform
Price Target:
$18.50
▲(5.71%Upside)
Eagle Bancorp Montana's solid financial performance and attractive valuation are significant strengths, supported by recent corporate events indicating strategic growth and strong earnings. Technical analysis presents a mixed picture, but no immediate concerns. The overall outlook is stable with positive growth potential.

Eagle Bancorp Montana (EBMT) vs. SPDR S&P 500 ETF (SPY)

Eagle Bancorp Montana Business Overview & Revenue Model

Company DescriptionEagle 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 MoneyEagle Bancorp Montana primarily generates revenue through interest income obtained from loans and mortgages extended to individuals and businesses. The bank earns interest by charging borrowers a higher rate on loans than it pays on deposits. Additionally, non-interest income is generated from service charges on deposit accounts, fees from wealth management services, and mortgage banking activities. The company's earnings are further supported by its strategic focus on expanding its market share in the Montana region through organic growth and acquisitions, ensuring a diverse revenue stream and customer base.

Eagle Bancorp Montana Financial Statement Overview

Summary
Eagle Bancorp Montana demonstrates strong financial performance with a 25% revenue growth and improved operational efficiency. The balance sheet is robust with zero debt, although ROE has slightly declined. Cash flow shows improved liquidity and cash generation. Overall, financials are stable with slight profitability concerns.
Income Statement
75
Positive
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
68
Positive
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
70
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue104.21M83.31M4.28M91.57M90.35M
Gross Profit80.70M83.74M4.28M91.57M90.35M
EBITDA0.000.000.000.0042.41M
Net Income9.78M10.06M10.70M14.42M21.21M
Balance Sheet
Total Assets2.10B2.08B1.95B1.44B1.26B
Cash, Cash Equivalents and Short-Term Investments322.41M24.55M371.31M325.87M225.13M
Total Debt200.08M234.74M128.24M34.87M46.86M
Total Liabilities1.93B1.91B1.79B35.52M47.32M
Stockholders Equity174.76M169.27M158.42M156.73M152.94M
Cash Flow
Free Cash Flow14.46M-4.84M25.15M44.24M-18.52M
Operating Cash Flow28.54M9.35M41.91M56.45M2.12M
Investing Cash Flow-27.80M-108.20M-235.04M-232.92M-22.04M
Financing Cash Flow6.27M101.59M153.51M168.10M64.80M

Eagle Bancorp Montana Technical Analysis

Technical Analysis Sentiment
Positive
Last Price17.50
Price Trends
50DMA
16.91
Positive
100DMA
16.80
Positive
200DMA
16.26
Positive
Market Momentum
MACD
0.08
Negative
RSI
66.53
Neutral
STOCH
94.93
Negative
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 17.5 is above the 20-day moving average (MA) of 16.38, above the 50-day MA of 16.91, and above the 200-day MA of 16.26, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 66.53 is Neutral, neither overbought nor oversold. The STOCH value of 94.93 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EBMT.

Eagle Bancorp Montana Risk Analysis

Eagle Bancorp Montana disclosed 29 risk factors in its most recent earnings report. Eagle Bancorp Montana reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Eagle Bancorp Montana Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$139.16M12.356.42%3.26%6.51%27.04%
69
Neutral
$147.14M11.647.29%2.44%-1.15%-1.80%
67
Neutral
$17.01B11.909.70%3.76%11.63%-9.47%
67
Neutral
$146.23M15.956.82%4.26%13.55%3.11%
63
Neutral
$122.20M36.762.18%1.69%-7.58%-78.69%
UNUNB
62
Neutral
$128.62M14.5913.21%5.25%13.60%-17.65%
$144.53M28.652.79%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
EBMT
Eagle Bancorp Montana
17.50
5.10
41.13%
CZWI
Citizens Community Bancorp
14.73
3.83
35.14%
UNB
Union Bankshares
28.34
7.72
37.44%
RMBI
Richmond Mutual Bancorporation
14.05
3.07
27.96%
FNWD
Finward Bancorp
28.25
4.01
16.54%
ECBK
ECB Bancorp, Inc.
16.01
3.39
26.86%

Eagle Bancorp Montana Corporate Events

M&A TransactionsBusiness Operations and StrategyFinancial Disclosures
Eagle Bancorp Montana Reports Strong Q1 2025 Earnings
Positive
May 6, 2025

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%.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 27, 2025