NasdaqGM:EBMT

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Flawless balance sheet with solid track record.


Similar Companies

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.


Market Performance


7 Day Return

2.9%

EBMT

5.7%

US Banks

2.1%

US Market


1 Year Return

-1.6%

EBMT

-17.0%

US Banks

19.8%

US Market

Return vs Industry: EBMT exceeded the US Banks industry which returned -17% over the past year.

Return vs Market: EBMT underperformed the US Market which returned 19.7% over the past year.


Shareholder returns

EBMTIndustryMarket
7 Day2.9%5.7%2.1%
30 Day9.5%23.3%8.1%
90 Day18.3%18.5%6.0%
1 Year0.5%-1.6%-14.0%-17.0%22.5%19.8%
3 Year2.3%-3.8%-3.3%-11.4%46.5%36.8%
5 Year98.2%78.9%40.4%22.9%96.9%75.3%

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

Valuation

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

7.69x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: EBMT ($21.06) is trading above our estimate of fair value ($9.15)

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 (7.7x) compared to the US Banks industry average (11.5x).

PE vs Market: EBMT is good value based on its PE Ratio (7.7x) compared to the US market (19.7x).


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.


Next Steps

Future Growth

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

-7.9%

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%).


Next Steps

Past Performance

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

36.1%

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.


Next Steps

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 (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%).


Next Steps

Dividend

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

1.85%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: EBMT's dividend (1.85%) is higher than the bottom 25% of dividend payers in the US market (1.47%).

High Dividend: EBMT's dividend (1.85%) is low compared to the top 25% of dividend payers in the US market (4.05%).


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).


Next Steps

Management

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

6.3yrs

Average management tenure


CEO

Pete Johnson (62 yo)

10.92yrs

Tenure

US$552,583

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 ($USD552.58K) is about average for companies of similar size in the US market ($USD561.41K).

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


Leadership Team

NamePositionTenureCompensationOwnership
Peter Johnson
President10.92yrsUS$552.58k1.34%
$ 1.9m
Laura Clark
Executive VP6.67yrsUS$291.18k0.19%
$ 270.3k
Patrick Rensmon
Senior VP & Chief Information Officer4.17yrsUS$215.94k0.11%
$ 149.6k
Terey Artz
Assistant Vice President & Corporate Secretaryno datano datano data
Rachel Amdahl
Senior VP & COO of Opportunity Bank of Montana14.75yrsno datano data
Tracy Zepeda
Senior VP & Chief Retail Officer of Opportunity Bank of Montana7.92yrsUS$253.87k0.024%
$ 34.7k
Dale Field
Senior VP & Chief Credit Officer6.33yrsno data0.29%
$ 414.8k
George Ballew
SVP & Chief Mortgage Lending Officer5.17yrsno datano data
Linda Chilton
Chief Retail Officer & Senior VP0.83yrno data0.0089%
$ 12.7k
Chantelle Nash
Senior VPno datano data0.23%
$ 320.5k
Mark O'Neill
Senior VP & Chief Lending Officer3.08yrsno data0.11%
$ 157.0k

6.3yrs

Average Tenure

53yo

Average Age

Experienced Management: EBMT's management team is seasoned and experienced (6.3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Peter Johnson
President10.92yrsUS$552.58k1.34%
$ 1.9m
Thomas McCarvel
Independent Vice Chairman of the Board2.08yrsUS$20.10k0.55%
$ 784.9k
Rick Hays
Independent Chairman of the Board2.08yrsUS$25.00k0.46%
$ 659.8k
Maureen Rude
Independent Director10.08yrsUS$19.80k0.10%
$ 142.9k
Tanya Chemodurow
Independent Director5.17yrsUS$18.80k0.085%
$ 120.8k
Shavon Cape
Independent Director5.17yrsUS$19.60k0.13%
$ 191.8k
Kenneth Walsh
Director2.58yrsno data3.56%
$ 5.1m
Benjamin Ruddy
Director1.83yrsno data0.20%
$ 284.1k
Corey Jensen
Independent Director2.08yrsUS$17.60k0.036%
$ 51.8k
Cynthia Utterback
Independent Director0.92yrno data0.015%
$ 21.1k

2.3yrs

Average Tenure

56.5yo

Average Age

Experienced Board: EBMT's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.5%.


Top Shareholders

Company Information

Eagle Bancorp Montana, Inc.'s company bio, 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
  • Market Cap: US$142.284m
  • Shares outstanding: 6.76m
  • Website: https://www.opportunitybank.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EBMTNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDApr 2000

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/26 23:09
End of Day Share Price2020/11/25 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.