Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $130.65M
• Dividend Yield: 3.01%
• Average Volume (3M): 20.33K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.55
• Revenue Growth: 6.10%
• EPS Growth: 59.32%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.46
• Shares Outstanding: 7,952,177
• 10 Day Avg. Volume: 22,384
• 30 Day Avg. Volume: 20,328
• 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: 2.17
• Enterprise Value/Revenue: 2.28
• Enterprise Value/Gross Profit: 3.29
• Enterprise Value/Ebitda: 11.19
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $20.00 ▲(4.82% Upside)

Eagle Bancorp Montana's overall stock score reflects a combination of stable financial performance, strong technical indicators, and attractive valuation. The company's strategic initiatives and positive corporate events further enhance its growth prospects. However, attention to revenue growth and cash flow generation is necessary to maintain long-term stability.

Positive Factors

Improved Leverage

The improved debt-to-equity ratio indicates reduced leverage, enhancing financial stability and providing more flexibility for future investments.

Strategic Initiatives

Engagement with institutional investors and strategic initiatives suggest a focus on growth and improved profitability, positioning the company well for future expansion.

Successful Acquisitions

A track record of successful acquisitions supports growth and diversification, enhancing the company's competitive position in the regional banking sector.

Negative Factors

Declining Revenue Growth

The decline in revenue growth is concerning as it may indicate challenges in expanding market share or product offerings, potentially impacting long-term profitability.

Cash Flow Challenges

Negative free cash flow growth suggests potential liquidity issues, which could constrain the company's ability to invest in growth opportunities or weather economic downturns.

Revenue Growth Concerns

Sustained attention to revenue growth is crucial to ensure long-term stability, as declining growth could hinder the company's ability to maintain its competitive edge.

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 net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company offers various loan products, including consumer loans, commercial real estate loans, and residential mortgages, contributing significantly to its interest income. Additionally, EBMT earns non-interest income through fees associated with deposit accounts, transaction services, and other financial services. Strategic partnerships with local businesses and community organizations further enhance its customer base and service offerings, contributing to its overall earnings.

Eagle Bancorp Montana Financial Statement Overview

Summary

Eagle Bancorp Montana demonstrates a stable but cautious financial outlook. The income statement highlights profitability, though declining revenue growth is a concern. The balance sheet shows improved leverage, enhancing financial stability. Cash flow metrics indicate potential liquidity challenges, necessitating focus on cash generation. Overall, the company is positioned reasonably well but must address revenue and cash flow issues to ensure future growth and stability.

Income Statement

Eagle Bancorp Montana's income statement shows mixed performance. The TTM data indicates a decline in revenue growth rate by 9.41%, which is concerning. However, the company maintains a decent net profit margin of 12.09% and an EBIT margin of 14.75%, suggesting operational efficiency. Historical data shows fluctuating revenue growth, with a peak in 2020. Overall, profitability remains stable, but declining revenue growth is a risk.

Balance Sheet

The balance sheet reflects a moderate financial position. The debt-to-equity ratio has improved to 0.74 in the TTM, indicating reduced leverage compared to previous years. Return on equity is at 7.53%, showing reasonable profitability from shareholders' equity. The equity ratio remains stable, suggesting a balanced asset structure. While leverage has decreased, maintaining this trend is crucial for financial stability.

Cash Flow

Cash flow analysis reveals challenges, with a negative free cash flow growth rate of 6.86% in the TTM. The operating cash flow to net income ratio is low, indicating potential cash flow issues. However, the free cash flow to net income ratio is 60.32%, showing some ability to generate cash relative to net income. Improving cash flow generation is essential for long-term sustainability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	124.37M	120.42M	112.45M	93.65M	93.19M	90.35M
Gross Profit	86.02M	79.13M	81.86M	85.50M	89.13M	90.35M
EBITDA	25.30M	20.28M	19.55M	21.56M	27.11M	42.41M
Net Income	13.54M	9.78M	10.06M	10.70M	14.42M	21.21M
Balance Sheet
Total Assets	2.12B	2.10B	2.08B	1.95B	1.44B	1.26B
Cash, Cash Equivalents and Short-Term Investments	289.62M	150.94M	342.82M	371.31M	325.87M	225.13M
Total Debt	138.43M	200.08M	234.74M	128.24M	34.87M	46.86M
Total Liabilities	1.93B	1.93B	1.91B	1.79B	1.28B	1.10B
Stockholders Equity	186.49M	174.76M	169.27M	158.42M	156.73M	152.94M
Cash Flow
Free Cash Flow	20.98M	14.46M	-4.84M	25.15M	44.24M	-18.52M
Operating Cash Flow	28.15M	28.54M	9.35M	41.91M	56.45M	2.12M
Investing Cash Flow	3.66M	-27.80M	-108.20M	-235.04M	-232.92M	-22.04M
Financing Cash Flow	-44.49M	6.27M	101.59M	153.51M	168.10M	64.80M

Eagle Bancorp Montana Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 19.08 is above the 20-day moving average (MA) of 17.07, above the 50-day MA of 16.76, and above the 200-day MA of 16.66, indicating a bullish trend. The MACD of 0.56 indicates Negative momentum. The RSI at 82.26 is Negative, neither overbought nor oversold. The STOCH value of 95.09 is Negative, 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
EBMT	75 Outperform	$130.65M	9.53	7.43%	3.01%	6.10%	59.32%
FNWD	73 Outperform	$166.76M	20.20	5.05%	1.20%	-7.20%	-29.17%
AFBI	70 Outperform	$126.00M	17.31	5.95%	―	5.18%	36.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RBKB	63 Neutral	$129.96M	25.50	3.95%	―	22.30%	―
FGBI	52 Neutral	$67.71M	-1.07	-24.07%	0.84%	1.33%	-593.24%

Eagle Bancorp Montana Corporate Events

Eagle Bancorp Montana to Present to Investors

Eagle Bancorp Montana, Inc. announced that its executive officers will present to institutional investors in early November 2025, highlighting the company’s strategic initiatives and financial performance. The bank has shown strong credit quality and profitability, with a net income of $10.1 million for the year-to-date 2025. The bank continues to expand its commercial banking model and has a history of successful acquisitions, positioning itself for growth and improved profitability.

Eagle Bancorp Montana Redeems Subordinated Notes

On October 1, 2025, Eagle Bancorp Montana, Inc. redeemed all of its outstanding 5.50% Fixed-to-Floating Rate Subordinated Notes due July 1, 2030, totaling $15,000,000. The redemption was financed through a $15,000,000 draw on the company’s existing line of credit, which has a two-year maturity and a variable interest rate below the prime rate, secured by the company’s assets and subject to financial covenants.