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. More Details
Flawless balance sheet with solid track record.
Share Price & News
How has Eagle Bancorp Montana's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EBMT is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: EBMT's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: EBMT exceeded the US Banks industry which returned -20.3% over the past year.
Return vs Market: EBMT underperformed the US Market which returned 19% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Eagle Bancorp Montana's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StHere's What We Like About Eagle Bancorp Montana's (NASDAQ:EBMT) Upcoming Dividend
3 weeks ago | Simply Wall StShould You Review Recent Insider Transactions At Eagle Bancorp Montana, Inc. (NASDAQ:EBMT)?
3 weeks ago | Simply Wall StHave Insiders Sold Eagle Bancorp Montana, Inc. (NASDAQ:EBMT) Shares Recently?
Is Eagle Bancorp Montana undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: EBMT ($20.95) is trading above our estimate of fair value ($9.17)
Significantly Below Fair Value: EBMT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EBMT is good value based on its PE Ratio (7.6x) compared to the US Banks industry average (11.2x).
PE vs Market: EBMT is good value based on its PE Ratio (7.6x) compared to the US market (19.5x).
Price to Earnings Growth Ratio
PEG Ratio: EBMT's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: EBMT's PB Ratio (1x) is in line with the US Banks industry average.
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 earnings are forecast to decline over the next 3 years (-7.9% per year).
Earnings vs Market: EBMT's earnings are forecast to decline over the next 3 years (-7.9% per year).
High Growth Earnings: EBMT's earnings are forecast to decline over the next 3 years.
Revenue vs Market: EBMT's revenue is expected to decline over the next 3 years (-8.3% per year).
High Growth Revenue: EBMT's revenue is forecast to decline over the next 3 years (-8.3% 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 (10.1%).
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 (22.5%) are higher than last year (18.1%).
Past Earnings Growth Analysis
Earnings Trend: EBMT's earnings have grown significantly by 36.1% per year over the past 5 years.
Accelerating Growth: EBMT's earnings growth over the past year (84%) exceeds its 5-year average (36.1% per year).
Earnings vs Industry: EBMT earnings growth over the past year (84%) exceeded the Banks industry -4.3%.
Return on Equity
High ROE: EBMT's Return on Equity (12.5%) 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 (8.5x) is low.
Allowance for Bad Loans: EBMT has a sufficient allowance for bad loans (151%).
Low Risk Liabilities: 90% 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 (67%).
Low Risk Deposits: EBMT's Loans to Deposits ratio (84%) 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 (1.86%) is higher than the bottom 25% of dividend payers in the US market (1.5%).
High Dividend: EBMT's dividend (1.86%) is low compared to the top 25% of dividend payers in the US market (4.15%).
Stability and Growth of Payments
Stable Dividend: EBMT's dividend payments have been volatile in the past 10 years.
Growing Dividend: EBMT's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (14.1%), EBMT's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: EBMT's dividends in 3 years are forecast to be well covered by earnings (16.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Pete Johnson (62 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 ($USD552.58K) is about average for companies of similar size in the US market ($USD562.26K).
Compensation vs Earnings: Pete's compensation has been consistent with company performance over the past year.
|Executive VP||6.67yrs||US$291.18k||0.19% |
|Senior VP & Chief Information Officer||4.17yrs||US$215.94k||0.11% |
|Assistant Vice President & Corporate Secretary||no data||no data||no data|
|Senior VP & COO of Opportunity Bank of Montana||14.75yrs||no data||no data|
|Senior VP & Chief Retail Officer of Opportunity Bank of Montana||7.92yrs||US$253.87k||0.024% |
|Senior VP & Chief Credit Officer||6.33yrs||no data||0.29% |
|SVP & Chief Mortgage Lending Officer||5.17yrs||no data||no data|
|Chief Retail Officer & Senior VP||0.83yr||no data||0.0089% |
|Senior VP||no data||no data||0.23% |
|Senior VP & Chief Lending Officer||3.08yrs||no data||0.11% |
Experienced Management: EBMT's management team is seasoned and experienced (6.3 years average tenure).
|Independent Vice Chairman of the Board||2.08yrs||US$20.10k||0.55% |
|Independent Chairman of the Board||2.08yrs||US$25.00k||0.46% |
|Independent Director||10.08yrs||US$19.80k||0.10% |
|Independent Director||5.17yrs||US$18.80k||0.085% |
|Independent Director||5.17yrs||US$19.60k||0.13% |
|Director||2.58yrs||no data||3.56% |
|Director||1.83yrs||no data||0.20% |
|Independent Director||2.08yrs||US$17.60k||0.036% |
|Independent Director||0.92yr||no data||0.015% |
Experienced Board: EBMT's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: EBMT insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.5%.
Eagle Bancorp Montana, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Eagle Bancorp Montana, Inc.
- Ticker: EBMT
- Exchange: NasdaqGM
- Founded: 1922
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$141.540m
- Shares outstanding: 6.76m
- Website: https://www.opportunitybank.com
Number of Employees
- Eagle Bancorp Montana, Inc.
- 1400 Prospect Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EBMT||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Apr 2000|
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. I...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/24 23:56|
|End of Day Share Price||2020/11/24 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.