Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $138.53M
• Dividend Yield: 3.29%
• Average Volume (3M): 20.89K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.54
• Revenue Growth: 6.74%
• EPS Growth: 49.28%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 7,952,177
• 10 Day Avg. Volume: 23,788
• 30 Day Avg. Volume: 20,893
• 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: 2.04
• Enterprise Value/Revenue: 2.29
• Enterprise Value/Gross Profit: 3.40
• Enterprise Value/Ebitda: 11.97
• 1Y Price Target: $18.00
• Price Target Upside: 3.33% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: $19.50 ▲(11.94% Upside)

Eagle Bancorp Montana scores well due to its solid financial performance, attractive valuation, and positive technical indicators. The company's strategic initiatives and strong credit quality further bolster its position. However, there is room for improvement in net profit margins and cash conversion ratios.

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 solid financial performance with consistent revenue growth and stable profitability. The income statement shows a strong gross profit margin and consistent revenue growth, though EBIT and EBITDA margins suggest room for operational improvements. The balance sheet is moderately leveraged, with a debt-to-equity ratio of 1.04, and the cash flow statement indicates stable cash generation despite a decline in free cash flow growth.

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	123.56M	120.42M	112.45M	93.65M	93.19M	90.35M
Gross Profit	83.18M	79.13M	81.86M	85.50M	89.13M	90.35M
EBITDA	23.65M	20.28M	19.55M	21.56M	27.11M	42.41M
Net Income	12.62M	9.78M	10.06M	10.70M	14.42M	21.21M
Balance Sheet
Total Assets	2.14B	2.10B	2.08B	1.95B	1.44B	1.26B
Cash, Cash Equivalents and Short-Term Investments	310.72M	150.94M	342.82M	371.31M	325.87M	225.13M
Total Debt	178.63M	201.09M	234.74M	128.24M	34.87M	46.86M
Total Liabilities	1.96B	1.93B	1.91B	1.79B	1.28B	1.10B
Stockholders Equity	180.64M	174.76M	169.27M	158.42M	156.73M	152.94M
Cash Flow
Free Cash Flow	13.14M	14.46M	-4.84M	25.15M	44.24M	-18.52M
Operating Cash Flow	21.78M	28.54M	9.35M	41.91M	56.45M	2.12M
Investing Cash Flow	-35.89M	-27.80M	-108.20M	-235.04M	-232.92M	-22.04M
Financing Cash Flow	17.27M	6.27M	101.59M	153.51M	168.10M	64.80M

Eagle Bancorp Montana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.42
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 17.42 is above the 20-day moving average (MA) of 17.42, above the 50-day MA of 16.88, and above the 200-day MA of 16.41, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 55.01 is Neutral, neither overbought nor oversold. The STOCH value of 40.18 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
RMBI	75 Outperform	$148.89M	15.14	7.19%	4.13%	9.70%	18.24%
EBMT	75 Outperform	$138.53M	10.82	7.19%	3.29%	6.74%	49.28%
UNB	74 Outperform	$114.88M	12.48	13.18%	5.71%	11.90%	-8.37%
CZWI	73 Outperform	$161.68M	13.23	7.68%	2.20%	-0.96%	-7.38%
FNWD	71 Outperform	$139.69M	26.14	3.45%	1.49%	-7.40%	-59.70%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Eagle Bancorp Montana Corporate Events

Eagle Bancorp Montana Executive Presentation in August 2025

Eagle Bancorp Montana, Inc. announced that its executive officers will present to institutional investors during the fourth week of August 2025. The company has shown a strong track record of strategic acquisitions and has maintained excellent credit quality with non-performing assets at 0.24% as of June 30, 2025. The bank reported a net income of $6.5 million for the year-to-date 2025, with a net interest margin of 3.82% and a return on average assets of 0.62%.