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
Price History & Performance
|Historical stock prices|
|Current Share Price||US$23.74|
|52 Week High||US$26.13|
|52 Week Low||US$20.00|
|1 Month Change||6.70%|
|3 Month Change||6.70%|
|1 Year Change||12.67%|
|3 Year Change||35.12%|
|5 Year Change||24.95%|
|Change since IPO||179.29%|
Recent News & Updates
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...
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.
|EBMT||US Banks||US Market|
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.
|EBMT Average Weekly Movement||2.6%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||6.6%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.4%|
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
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
|EBMT fundamental statistics|
Is EBMT overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|EBMT income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.73|
|Net Profit Margin||18.76%|
How did EBMT perform over the long term?See historical performance and comparison
2.1%Current Dividend Yield
Is Eagle Bancorp Montana undervalued compared to its fair value and its price relative to the market?
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).
How is Eagle Bancorp Montana forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
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%).
How has Eagle Bancorp Montana performed over the past 5 years?
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.
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
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%).
What is Eagle Bancorp Montana current dividend yield, its reliability and sustainability?
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).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Pete Johnson (63 yo)
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.
Experienced Management: EBMT's management team is seasoned and experienced (6.9 years average tenure).
Experienced Board: EBMT's board of directors are considered experienced (6.3 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Eagle Bancorp Montana, Inc.'s employee growth, exchange listings and data sources
- 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
- Eagle Bancorp Montana, Inc.
- 1400 Prospect Avenue
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/19 23:40|
|End of Day Share Price||2022/01/19 00:00|
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.