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

EBMT is expensive based on its Price-To-Earnings Ratio (16.1x) compared to the peer average (11.2x).

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 (16.1x) compared to the US Banks industry average (13.3x).

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 expensive based on its Price-To-Earnings Ratio (16.1x) compared to the estimated Fair Price-To-Earnings Ratio (14.1x).

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 ($17.48) is trading above our estimate of [[fair value]] ($17.23)

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.

Eagle Bancorp Montana (Nasdaq:EBMT) - Stock Price, News & Analysis

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	0/6
Future Growth	3/6
Past Performance	1/6
Financial Health	6/6
Dividends	5/6

Rewards

Price-To-Earnings ratio (16.1x) is below the US market (19.6x)

Earnings are forecast to grow 22.83% per year

Pays a reliable dividend of 3.26%

Risk Analysis

Significant insider selling over the past 3 months

Eagle Bancorp Montana, Inc. Competitors

SB Financial Group

NasdaqCM:SBFG

US$144.4m

First Farmers and Merchants

OTCPK:FFMH

US$143.5m

Landmark Bancorp

NasdaqGM:LARK

US$137.2m

Embassy Bancorp

OTCPK:EMYB

US$125.3m

Price History & Performance

Summary of all time highs, changes and price drops for Eagle Bancorp Montana
Historical stock prices
Current Share Price	US$17.48
52 Week High	US$17.65
52 Week Low	US$12.32
Beta	0.51
11 Month Change	7.31%
3 Month Change	16.61%
1 Year Change	34.46%
33 Year Change	-21.96%
5 Year Change	-18.96%
Change since IPO	105.65%

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

Here's Why We Think Eagle Bancorp Montana (NASDAQ:EBMT) Is Well Worth Watching

Apr 14

Shareholder Returns

	EBMT	US Banks	US Market
7D	0.5%	-2.1%	0.7%
1Y	34.5%	48.9%	32.2%

Return vs Industry: EBMT underperformed the US Banks industry which returned 50.7% over the past year.

Return vs Market: EBMT exceeded the US Market which returned 31.9% over the past year.

Price Volatility

Is EBMT's price volatile compared to industry and market?
EBMT volatility
EBMT Average Weekly Movement	2.5%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.4%
10% least volatile stocks in US Market	3.1%

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$136.47m
Earnings (TTM)	US$8.51m
Revenue (TTM)	US$80.04m

16.1x

P/E Ratio

0.8x

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$80.04m
Cost of Revenue	US$0
Gross Profit	US$80.04m
Other Expenses	US$71.53m
Earnings	US$8.51m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.08
Gross Margin	100.00%
Net Profit Margin	10.63%
Debt/Equity Ratio	156.6%

How did EBMT perform over the long term?

See historical performance and comparison

Dividends

3.3%

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	Nov 15 2024
Dividend Pay Date	Dec 06 2024
Days until Ex dividend	18 days
Days until Dividend pay date	3 days

Does EBMT pay a reliable dividends?

See EBMT dividend history and benchmarks

EBMT Stock Overview

Rewards

Risk Analysis

Eagle Bancorp Montana, Inc. Competitors

NasdaqCM:SBFG

US$144.4m

OTCPK:FFMH

US$143.5m

NasdaqGM:LARK

US$137.2m

OTCPK:EMYB

US$125.3m

Price History & Performance

Recent News & Updates

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

Recent updates

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

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