Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $129.22M
• Dividend Yield: 3.46%
• Average Volume (3M): 76.52K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.51
• Revenue Growth: 6.51%
• EPS Growth: 27.04%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 7,952,177
• 10 Day Avg. Volume: 40,798
• 30 Day Avg. Volume: 76,521
• PEG Ratio: -0.34
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.74
• Enterprise Value/Market Cap: 1.75
• Enterprise Value/Revenue: 0.92
• Enterprise Value/Gross Profit: 2.48
• Enterprise Value/Ebitda: 31.56
• 1Y Price Target: $18.00
• Price Target Upside: 9.36% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 65 Neutral
• Price Target: $17.50 ▲(6.32%Upside)

Eagle Bancorp Montana has a stable financial performance, with consistent revenue growth and strong cash flow generation. The technical analysis presents a neutral outlook, while the stock's valuation is appealing with a solid dividend yield. Positive corporate events, including recent earnings and strategic acquisitions, bolster the company's potential for future growth.

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 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

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	80.70M	83.74M	4.28M	91.57M	90.35M
EBITDA	0.00	0.00	0.00	0.00	42.41M
Net Income	9.78M	10.06M	10.70M	14.42M	21.21M
Balance Sheet
Total Assets	2.10B	2.08B	1.95B	1.44B	1.26B
Cash, Cash Equivalents and Short-Term Investments	322.41M	24.55M	371.31M	325.87M	225.13M
Total Debt	200.08M	234.74M	128.24M	34.87M	46.86M
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	14.46M	-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: 16.46
• 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 16.46 is below the 20-day moving average (MA) of 17.13, below the 50-day MA of 16.83, and above the 200-day MA of 16.40, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 41.81 is Neutral, neither overbought nor oversold. The STOCH value of 45.06 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
CZWI	77 Outperform	$147.54M	11.67	7.29%	2.44%	-1.15%	-1.80%
UNB	75 Outperform	$130.26M	13.75	56.66%	5.12%	11.94%	-8.29%
Sector *	68 Neutral	¥760.77B	11.01	7.55%	3.20%	7.82%	14.69%
RMBI	67 Neutral	$146.23M	14.97	7.23%	4.06%	9.70%	18.24%
EBMT	65 Neutral	$129.22M	11.47	6.42%	3.46%	6.51%	27.04%
FNWD	63 Neutral	$117.05M	35.21	2.18%	1.73%	-7.58%	-78.69%
ECBK	―	$144.08M	25.32	3.18%	―	―	―

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%.