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EBMT

Eagle Bancorp MontanaNasdaqGM:EBMT Stock Report

Last Price

US$23.74

Market Cap

US$155.4m

7D

-1.1%

1Y

12.7%

Updated

19 Jan, 2022

Data

Company Financials +
EBMT fundamental analysis
Snowflake Score
Valuation6/6
Future Growth3/6
Past Performance2/6
Financial Health6/6
Dividends5/6

EBMT Stock Overview

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.

Eagle Bancorp Montana Competitors

TriCo Bancshares

NasdaqGS:TCBK

US$1.3b

Heritage Financial

NasdaqGS:HFWA

US$957.9m

Central Pacific Financial

NYSE:CPF

US$848.8m

Heritage Commerce

NasdaqGS:HTBK

US$767.2m

Price History & Performance

Summary of all time highs, changes and price drops for Eagle Bancorp Montana
Historical stock prices
Current Share PriceUS$23.74
52 Week HighUS$26.13
52 Week LowUS$20.00
Beta0.66
1 Month Change6.70%
3 Month Change6.70%
1 Year Change12.67%
3 Year Change35.12%
5 Year Change24.95%
Change since IPO179.29%

Recent News & Updates

Oct 31
Eagle Bancorp Montana's (NASDAQ:EBMT) Shareholders Will Receive A Bigger Dividend Than Last Year

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

Eagle Bancorp Montana, Inc.'s ( NASDAQ:EBMT ) dividend will be increasing to US$0.13 on 3rd of December. This takes the...

Aug 09

Eagle Bancorp: Improving Profitability Supports Future Outperformance

Positive earnings momentum is likely to drive additional profitability improvement. Given the juxtaposition between solid core loan growth and a modest valuation, shares likely work higher throughout the next few quarters. The core lending franchise continues to see support from vibrant local economies.

Shareholder Returns

EBMTUS BanksUS Market
7D-1.1%-3.7%-3.5%
1Y12.7%29.3%10.2%

Return vs Industry: EBMT underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: EBMT underperformed the US Market which returned 10.2% over the past year.

Price Volatility

Is EBMT's price volatile compared to industry and market?
EBMT volatility
EBMT Average Weekly Movement2.6%
Banks Industry Average Movement3.7%
Market Average Movement6.6%
10% most volatile stocks in US Market15.8%
10% least volatile stocks in US Market2.4%

Stable Share Price: EBMT is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

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

About the Company

FoundedEmployeesCEOWebsite
1922345Pete Johnsonhttps://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 home equity loans.

Eagle Bancorp Montana Fundamentals Summary

How do Eagle Bancorp Montana's earnings and revenue compare to its market cap?
EBMT fundamental statistics
Market CapUS$155.43m
Earnings (TTM)US$17.86m
Revenue (TTM)US$95.18m

8.7x

P/E Ratio

1.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EBMT income statement (TTM)
RevenueUS$95.18m
Cost of RevenueUS$0
Gross ProfitUS$95.18m
ExpensesUS$77.32m
EarningsUS$17.86m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.73
Gross Margin100.00%
Net Profit Margin18.76%
Debt/Equity Ratio22.3%

How did EBMT perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

17%

Payout Ratio

Valuation

Is Eagle Bancorp Montana undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: EBMT ($23.5) is trading below our estimate of fair value ($55.48)

Significantly Below Fair Value: EBMT is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: EBMT is good value based on its PE Ratio (8.6x) compared to the US Banks industry average (11.2x).

PE vs Market: EBMT is good value based on its PE Ratio (8.6x) compared to the US market (17x).


Price to Earnings Growth Ratio

PEG Ratio: EBMT is good value based on its PEG Ratio (0.4x)


Price to Book Ratio

PB vs Industry: EBMT is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).


Future Growth

How is Eagle Bancorp Montana forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

20.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EBMT's forecast earnings growth (20.7% per year) is above the savings rate (2%).

Earnings vs Market: EBMT's earnings (20.7% per year) are forecast to grow faster than the US market (13% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: EBMT's revenue (4.5% per year) is forecast to grow slower than the US market (9.2% per year).

High Growth Revenue: EBMT's revenue (4.5% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: EBMT's Return on Equity is forecast to be low in 3 years time (11.4%).


Past Performance

How has Eagle Bancorp Montana performed over the past 5 years?

37.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: EBMT has high quality earnings.

Growing Profit Margin: EBMT's current net profit margins (18.8%) are lower than last year (22.5%).


Past Earnings Growth Analysis

Earnings Trend: EBMT's earnings have grown significantly by 37.9% per year over the past 5 years.

Accelerating Growth: EBMT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: EBMT had negative earnings growth (-2.8%) over the past year, making it difficult to compare to the Banks industry average (43.7%).


Return on Equity

High ROE: EBMT's Return on Equity (11.4%) is considered low.


Financial Health

How is Eagle Bancorp Montana's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: EBMT's Assets to Equity ratio (9x) is low.

Allowance for Bad Loans: EBMT has a sufficient allowance for bad loans (156%).

Low Risk Liabilities: 96% of EBMT's liabilities are made up of primarily low risk sources of funding.

Loan Level: EBMT has an appropriate level of Loans to Assets ratio (62%).

Low Risk Deposits: EBMT's Loans to Deposits ratio (73%) is appropriate.

Level of Bad Loans: EBMT has an appropriate level of bad loans (0.9%).


Dividend

What is Eagle Bancorp Montana current dividend yield, its reliability and sustainability?

2.11%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: EBMT's dividend (2.13%) is higher than the bottom 25% of dividend payers in the US market (1.35%).

High Dividend: EBMT's dividend (2.13%) is low compared to the top 25% of dividend payers in the US market (3.48%).


Stability and Growth of Payments

Stable Dividend: EBMT's dividends per share have been stable in the past 10 years.

Growing Dividend: EBMT's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (16.7%), EBMT's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: EBMT's dividends in 3 years are forecast to be well covered by earnings (15.3% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.9yrs

Average management tenure


CEO

Pete Johnson (63 yo)

12.08yrs

Tenure

US$618,059

Compensation

Mr. Peter Joseph Johnson, also known as Pete, has been President and Chief Executive Officer of Eagle Bancorp Montana, Inc. since December 2009. Mr. Johnson has been President of Opportunity Bank of Montan...


CEO Compensation Analysis

Compensation vs Market: Pete's total compensation ($USD618.06K) is below average for companies of similar size in the US market ($USD1.10M).

Compensation vs Earnings: Pete's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: EBMT's management team is seasoned and experienced (6.9 years average tenure).


Board Members

Experienced Board: EBMT's board of directors are considered experienced (6.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: EBMT insiders have sold more shares than they have bought in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Eagle Bancorp Montana, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Eagle Bancorp Montana, Inc.
  • Ticker: EBMT
  • Exchange: NasdaqGM
  • Founded: 1922
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$155.434m
  • Shares outstanding: 6.55m
  • Website: https://www.opportunitybank.com

Number of Employees


Location

  • Eagle Bancorp Montana, Inc.
  • 1400 Prospect Avenue
  • Helena
  • Montana
  • 59601
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/19 23:40
End of Day Share Price2022/01/19 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.