How does EBMT's PE Ratio compare to its peers?

EBMT is expensive based on its Price-To-Earnings Ratio (12.2x) compared to the peer average (12.1x).

How does EBMT's PE Ratio compare vs other companies in the US Banks Industry?

EBMT is expensive based on its Price-To-Earnings Ratio (12.2x) compared to the US Banks industry average (12.1x).

What is EBMT's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

EBMT is good value based on its Price-To-Earnings Ratio (12.2x) compared to the estimated Fair Price-To-Earnings Ratio (13.1x).

What is the Fair Price of EBMT when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

EBMT ($15.25) is trading below our estimate of [[fair value]] ($17.75)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

EBMT Stock Overview

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. More details

EBMT fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	2/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 14.1% below our estimate of its fair value

Earnings are forecast to grow 16.43% per year

Pays a reliable dividend of 3.74%

Risk Analysis

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

Eagle Bancorp Montana, Inc. Competitors

Embassy Bancorp

OTCPK:EMYB

US$121.6m

Affinity Bancshares

NasdaqCM:AFBI

US$117.5m

QNB

OTCPK:QNBC

US$125.6m

CBB Bancorp

OTCPK:CBBI

US$112.2m

Price History & Performance

Summary of share price highs, lows and changes for Eagle Bancorp Montana
Historical stock prices
Current Share Price	US$15.25
52 Week High	US$17.62
52 Week Low	US$12.32
Beta	0.52
1 Month Change	-0.52%
3 Month Change	-6.38%
1 Year Change	7.09%
3 Year Change	-33.98%
5 Year Change	-28.87%
Change since IPO	79.41%

Eagle Bancorp Montana (NASDAQ:EBMT) Has Affirmed Its Dividend Of $0.1425

Nov 02

Eagle Bancorp Montana (NASDAQ:EBMT) Is Increasing Its Dividend To $0.1425

Jul 27

Recent updates

Eagle Bancorp Montana's (NASDAQ:EBMT) Shareholders Will Receive A Bigger Dividend Than Last Year

Oct 31

Eagle Bancorp: Improving Profitability Supports Future Outperformance

Aug 09

Eagle Bancorp Montana (NASDAQ:EBMT) Is Paying Out A Larger Dividend Than Last Year

Aug 04

Eagle Bancorp EPS misses by $0.14, beats on revenue

Apr 27

Here's Why Eagle Bancorp Montana, Inc.'s (NASDAQ:EBMT) CEO Compensation Is The Least Of Shareholders' Concerns

Apr 16

Shareholder Returns

	EBMT	US Banks	US Market
7D	1.1%	1.2%	-0.8%
1Y	7.1%	39.2%	25.2%

Return vs Industry: EBMT underperformed the US Banks industry which returned 39.2% over the past year.

Return vs Market: EBMT underperformed the US Market which returned 25.2% over the past year.

Price Volatility

Is EBMT's price volatile compared to industry and market?
EBMT volatility
EBMT Average Weekly Movement	3.3%
Banks Industry Average Movement	5.1%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.3%

Stable Share Price: EBMT has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: EBMT's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1922	395	Laura Clark	www.opportunitybank.com

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.

Eagle Bancorp Montana, Inc. Fundamentals Summary

How do Eagle Bancorp Montana's earnings and revenue compare to its market cap?
EBMT fundamental statistics
Market cap	US$117.64m
Earnings (TTM)	US$9.78m
Revenue (TTM)	US$80.70m

12.2x

P/E Ratio

0.7x

P/B Ratio

Is EBMT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EBMT income statement (TTM)
Revenue	US$80.70m
Cost of Revenue	US$0
Gross Profit	US$80.70m
Other Expenses	US$70.92m
Earnings	US$9.78m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.25
Gross Margin	100.00%
Net Profit Margin	12.12%
Debt/Equity Ratio	114.5%

How did EBMT perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

52%

Payout Ratio

Does EBMT pay a reliable dividends?

See EBMT dividend history and benchmarks

When do you need to buy EBMT by to receive an upcoming dividend?
Eagle Bancorp Montana dividend dates
Ex Dividend Date	Feb 14 2025
Dividend Pay Date	Mar 07 2025
Days until Ex dividend	14 days
Days until Dividend pay date	35 days

Does EBMT pay a reliable dividends?

See EBMT dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/30 00:23
End of Day Share Price	2025/01/30 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Eagle Bancorp Montana, Inc. is covered by 4 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Jeffrey Rulis	D.A. Davidson & Co.
Timothy Coffey	FIG Partners
Brendan Nosal	Hovde Group, LLC

EBMT Stock Overview

Rewards

Risk Analysis

Eagle Bancorp Montana, Inc. Competitors

OTCPK:EMYB

US$121.6m

NasdaqCM:AFBI

US$117.5m

OTCPK:QNBC

US$125.6m

OTCPK:CBBI

US$112.2m

Price History & Performance

Recent News & Updates

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable March 7, 2025

Eagle Bancorp Montana (NASDAQ:EBMT) Has Affirmed Its Dividend Of $0.1425

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable December 6, 2024

Eagle Bancorp Montana (NASDAQ:EBMT) Is Increasing Its Dividend To $0.1425

Eagle Bancorp Montana, Inc. Increases Quarterly Cash Dividend, Payable September 6, 2024

Independent Director recently sold US$130k worth of stock

Recent updates

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable March 7, 2025

Eagle Bancorp Montana (NASDAQ:EBMT) Has Affirmed Its Dividend Of $0.1425

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable December 6, 2024

Eagle Bancorp Montana (NASDAQ:EBMT) Is Increasing Its Dividend To $0.1425

Eagle Bancorp Montana, Inc. Increases Quarterly Cash Dividend, Payable September 6, 2024

Independent Director recently sold US$130k worth of stock

Upcoming dividend of US$0.14 per share

Director notifies of intention to sell stock

First quarter dividend of US$0.14 announced

Price target decreased by 8.0% to US$13.33

First quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable June 7, 2024

New minor risk - Market cap size

Eagle Bancorp Montana, Inc., Annual General Meeting, Apr 18, 2024

Director notifies of intention to sell stock

Director recently sold US$120k worth of stock

Upcoming dividend of US$0.14 per share at 3.9% yield

Consensus EPS estimates fall by 10%

Eagle Bancorp Montana (NASDAQ:EBMT) Will Pay A Dividend Of $0.14

Fourth quarter dividend of US$0.14 announced

Full year 2023 earnings: EPS misses analyst expectations

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable on March 1, 2024

Now 22% undervalued

Now 20% undervalued

Price target decreased by 8.5% to US$12.50

Upcoming dividend of US$0.14 per share at 4.8% yield

Eagle Bancorp Montana (NASDAQ:EBMT) Is Due To Pay A Dividend Of $0.14

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable on December 1, 2023

New minor risk - Market cap size

Upcoming dividend of US$0.14 per share at 4.2% yield

Consensus EPS estimates fall by 24%

Price target decreased by 8.7% to US$14.00

Eagle Bancorp Montana (NASDAQ:EBMT) Is Increasing Its Dividend To $0.14

New minor risk - Insider selling

Eagle Bancorp Montana, Inc. Announces Quarterly Cash Dividend, Payable on September 1, 2023

Second quarter 2023 earnings released: EPS: US$0.26 (vs US$0.24 in 2Q 2022)

Director notifies of intention to sell stock

Director recently sold US$82k worth of stock

Investor sentiment improves as stock rises 15%

Upcoming dividend of US$0.14 per share at 4.4% yield

Independent Chairman of the Board recently bought US$72k worth of stock

First quarter 2023 earnings: EPS in line with expectations, revenues disappoint

Price target decreased by 12% to US$17.33

Investor sentiment deteriorates as stock falls 16%

Director recently sold US$119k worth of stock

Upcoming dividend of US$0.14 per share at 3.3% yield

Eagle Bancorp Montana, Inc. Reports Net Loan Charge-Offs for the Fourth Quarter Ended December 31, 2022

Full year 2022 earnings: Revenues and EPS in line with analyst expectations

Price target decreased to US$19.67

Upcoming dividend of US$0.14 per share

Third quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

Eagle Bancorp Montana, Inc. Declares Quarterly Cash Dividend, Payable December 2, 2022

Director recently sold US$193k worth of stock

Upcoming dividend of US$0.14 per share

Price target decreased to US$22.33

Consensus forecasts updated

Eagle Bancorp Montana (NASDAQ:EBMT) Is Increasing Its Dividend To $0.1375

Second quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behind