A Business at a Glance
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Eagle Bancorp Montana, Inc.
EBMT
$182M
Mkt Cap
$23.37
+2.50%
Eagle Bancorp Montana, Inc. (EBMT) has a current P/E ratio of 13.6, compared to its historical median P/E of 10.4. The stock is currently considered Expensive based on its historical valuation range.
Eagle Bancorp Montana, Inc. (EBMT) has a 5-year average return on invested capital (ROIC) of 5.6%. This is below average and may indicate limited pricing power.
Eagle Bancorp Montana, Inc. (EBMT) has a market capitalization of $186M. It is classified as a small-cap stock.
Yes, Eagle Bancorp Montana, Inc. (EBMT) pays a dividend with a trailing twelve-month yield of 2.47%. The company also returns capital through share buybacks, with a buyback yield of 0.44%.
Based on historical P/E analysis, Eagle Bancorp Montana, Inc. (EBMT) appears expensive. The current P/E of 13.6 is 31% above its historical median of 10.4. The estimated fair value CAGR (P/E method) is -6.6%.
Eagle Bancorp Montana, Inc. (EBMT) operates in the State Commercial Banks industry, within the Financials sector.
DESCRIPTION OF BUSINESS. Eagle Bancorp Montana, Inc. (“Eagle” or the “Company”), is a Delaware corporation, and a bank holding company registered under the Bank Holding Company Act of 1956 that holds 100% of the capital stock of Opportunity Bank of Montana (the “Bank”), formerly American Federal Savings Bank (“AFSB”). The Bank was founded in 1922 as a Montana-chartered building and loan association and has conducted operations and maintained its administrative office in Helena, Montana since that time. In 1975, the Bank adopted a federal thrift charter and in October 2014 converted to a Montana chartered commercial bank and became a member bank in the Federal Reserve System. The Bank currently has 30 full-service branches and 32 automated teller machines located in our market areas and we participate in the Money Pass® ATM network. We provide loan and deposit services to customers who are predominantly small businesses and individuals throughout Montana.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 94M | 127M | 122M | 114M | 96M | 96M |
| Net Income | 16M | 15M | 9.8M | 10M | 11M | 14M |
| EPS | $1.96 | $1.90 | $1.24 | $1.29 | $1.45 | $2.17 |
| Free Cash Flow | 23M | 28M | 14M | -4.8M | 25M | 44M |
| ROIC | 0.0% | 6.3% | 4.2% | 4.5% | 5.3% | 7.8% |
| Gross Margin | - | 77.2% | 76.8% | 83.1% | 91.5% | 95.8% |
| Debt/Equity | 0.23 | 0.78 | 1.43 | 1.29 | 0.46 | 0.25 |
| Dividends/Share | $0.58 | $0.58 | $0.57 | $0.56 | $0.53 | $0.45 |
| Operating Income | 0 | 19M | 1.7M | 2.2M | 1.7M | 1.2M |
| Operating Margin | 0.0% | 14.9% | 1.4% | 1.9% | 1.7% | 1.3% |
| ROE | 8.1% | 8.1% | 5.7% | 6.1% | 6.8% | 9.3% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 7M | 7M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 27M | 32M | 40M | 42M | 47M | 70M | 99M | 96M | 96M | 114M | 122M | 127M | 94M |
| Gross Margin | 90.3% | 88.3% | 87.6% | 87.4% | 87.0% | 85.3% | 90.3% | 95.8% | 91.5% | 83.1% | 76.8% | 77.2% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 13M | 14M | 16M | 18M | 21M | 28M | 39M | 49M | 45M | 43M | 40M | 42M | 44M |
| EBIT | 613K | 603K | 731K | 459K | 335K | 1.0M | 3.0M | 1.2M | 1.7M | 2.2M | 1.7M | 19M | 0 |
| Op. Margin | 2.2% | 1.9% | 1.8% | 1.1% | 0.7% | 1.5% | 3.0% | 1.3% | 1.7% | 1.9% | 1.4% | 14.9% | 0.0% |
| Net Income | 2.1M | 2.6M | 5.1M | 4.1M | 5.0M | 11M | 21M | 14M | 11M | 10M | 9.8M | 15M | 16M |
| Net Margin | 7.7% | 8.0% | 12.9% | 9.7% | 10.6% | 15.5% | 21.5% | 15.0% | 11.2% | 8.8% | 8.0% | 11.7% | 16.5% |
| Non-Recurring | 15K | 305K | -6K | 1K | 9K | 486K | 4K | 70K | 105K | 61K | 1.7M | 2.3M | 2.3M |
| Returns on Capital | |||||||||||||
| ROIC | 4.1% | 4.3% | 7.3% | 4.5% | 4.4% | 8.2% | 12.9% | 7.8% | 5.3% | 4.5% | 4.2% | 6.3% | 0.0% |
| ROE | 4.1% | 4.7% | 8.9% | 5.7% | 5.6% | 10.0% | 15.4% | 9.3% | 6.8% | 6.1% | 5.7% | 8.1% | 8.1% |
| ROA | 0.4% | 0.4% | 0.8% | 0.6% | 0.6% | 1.1% | 1.8% | 1.1% | 0.6% | 0.5% | 0.5% | 0.7% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 9.6M | 4.9M | 13M | 20M | 14M | 366K | 2.1M | 56M | 42M | 9.3M | 29M | 33M | 27M |
| Free Cash Flow | 7.3M | 4.3M | 11M | 17M | 6.5M | -10M | -19M | 44M | 25M | -4.8M | 14M | 28M | 23M |
| Owner Earnings | 7.8M | 3.0M | 11M | 18M | 11M | -2.7M | -1.4M | 53M | 37M | 3.5M | 21M | 26M | -12M |
| CapEx | 2.3M | 630K | 2.2M | 3.5M | 7.1M | 11M | 21M | 12M | 17M | 14M | 14M | 4.8M | 3.6M |
| Maint. CapEx | 1.6M | 1.7M | 1.5M | 1.4M | 2.0M | 2.6M | 3.1M | 3.5M | 4.9M | 5.5M | 6.6M | 6.5M | 38M |
| Growth CapEx | 747K | 0 | 744K | 2.1M | 5.1M | 7.9M | 18M | 8.7M | 12M | 8.7M | 7.5M | 0 | 0 |
| D&A | 1.6M | 1.7M | 1.5M | 1.4M | 2.0M | 2.6M | 3.1M | 3.5M | 4.9M | 5.5M | 6.6M | 6.5M | 38M |
| CapEx/OCF | 24.2% | 12.9% | N/A | 17.6% | N/A | 2880.6% | 974.4% | 21.6% | 40.0% | 151.8% | 49.3% | N/A | 13.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.1M | 1.2M | 1.2M | 1.4M | 2.0M | 2.4M | 2.6M | 3.0M | 4.1M | 4.4M | 4.5M | 4.6M | 4.6M |
| Dividend Yield | 3.6% | 3.6% | N/A | 0.0% | N/A | 2.6% | 2.5% | 2.3% | 3.1% | 4.6% | 4.2% | N/A | 2.5% |
| Share Buybacks | 0 | 1.3M | 0 | 0 | 0 | 1.2M | 987K | 6.3M | 4.4M | 231K | 419K | 1.6M | 818K |
| Buyback Yield | N/A | 3.6% | 0.0% | N/A | 0.0% | 1.1% | 0.8% | 4.8% | 4.2% | 0.2% | 0.4% | 0.0% | 0.4% |
| Stock-Based Comp | 193K | 204K | 500K | 261K | 281K | 429K | 380K | 439K | 491K | 347K | 523K | 689K | 721K |
| Debt Repayment | 0 | 206K | 0 | 219K | 0 | 0 | 335K | 0 | 1.2M | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -174M | -92M | -42M | -30M | -41M | -28M | -127M | -293M | -298M | -124M | -75M | 87M | -9.3M |
| Cash & Equiv. | 13M | 7.4M | 7.3M | 7.4M | 11M | 25M | 70M | 61M | 22M | 25M | 32M | 63M | 54M |
| Long-Term Debt | 196K | 10M | 15M | 25M | 25M | 25M | 30M | 30M | 59M | 59M | 59M | 44M | 44M |
| Debt/Equity | 0.00 | 1.11 | 1.58 | 1.30 | 1.18 | 1.02 | 0.69 | 0.25 | 0.46 | 1.29 | 1.43 | 0.78 | 0.23 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 54M | 55M | 59M | 84M | 95M | 122M | 153M | 157M | 158M | 169M | 175M | 192M | 193M |
| Total Assets | 560M | 630M | 674M | 717M | 854M | 1.1B | 1.3B | 1.4B | 1.9B | 2.1B | 2.1B | 2.1B | 2.1B |
| Total Liabilities | 506M | 575M | 614M | 633M | 759M | 933M | 1.1B | 1.3B | 1.8B | 1.9B | 1.9B | 1.9B | 1.9B |
| Intangibles | 663K | 514K | 384K | 273K | 1.5M | 2.8M | 2.3M | 1.8M | 7.5M | 5.9M | 4.5M | 3.3M | 3.0M |
| Retained Earnings | 36M | 37M | 41M | 44M | 47M | 55M | 74M | 85M | 92M | 96M | 101M | 112M | 114M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.53 | 0.67 | 1.32 | 0.00 | 0.91 | 1.69 | 3.11 | 2.17 | 1.45 | 1.29 | 1.24 | 1.90 | 1.96 |
| Owner EPS | 1.97 | 0.78 | 2.80 | 0.00 | 2.07 | -0.41 | -0.20 | 7.90 | 4.95 | 0.45 | 2.72 | 3.32 | -1.51 |
| Book Value | 13.68 | 14.40 | 15.29 | 0.02 | 17.32 | 18.91 | 22.43 | 23.59 | 21.47 | 21.71 | 22.16 | 24.57 | 24.22 |
| Cash Flow/Share | 2.41 | 1.27 | 3.32 | 0.00 | 2.48 | 0.06 | 0.31 | 8.50 | 5.68 | 1.20 | 3.62 | 4.24 | 6.71 |
| Dividends/Share | 0.29 | 0.30 | 0.31 | 0.00 | 0.36 | 0.37 | 0.39 | 0.45 | 0.53 | 0.56 | 0.57 | 0.58 | 0.58 |
| Shares Out. | 4.0M | 3.9M | 3.9M | 5.0B | 5.5M | 6.4M | 6.8M | 6.6M | 7.4M | 7.8M | 7.9M | 7.8M | 8.0M |
| Valuation | |||||||||||||
| P/E Ratio | 15.2 | 14.0 | N/A | 16.7 | N/A | 10.4 | 5.9 | 9.0 | 9.8 | 10.9 | 11.9 | N/A | 11.9 |
| P/FCF | 4.4 | 8.5 | N/A | N/A | N/A | N/A | N/A | 2.9 | 4.2 | N/A | 8.0 | N/A | 8.1 |
| EV/EBIT | N/A | 48.1 | N/A | 186.7 | N/A | 110.0 | 28.2 | 80.0 | 85.6 | 64.6 | 86.5 | N/A | N/A |
| Price/Book | 0.6 | 0.7 | N/A | 0.8 | N/A | 0.9 | 0.8 | 0.8 | 0.7 | 0.6 | 0.7 | N/A | 1.0 |
| Price/Sales | 1.2 | 1.1 | N/A | 1.7 | N/A | 1.5 | 1.1 | 1.4 | 1.5 | 1.1 | 1.3 | N/A | 2.0 |
| FCF Yield | 22.7% | 11.7% | N/A | 24.2% | N/A | -9.0% | -14.9% | 34.0% | 23.9% | -4.4% | 12.4% | N/A | 12.3% |
| Market Cap | 32M | 36M | 0 | 68M | 0 | 113M | 125M | 130M | 105M | 109M | 116M | 0 | 186M |
| Avg. Price | 7.93 | 8.47 | 0.00 | 15.24 | 0.00 | 14.51 | 15.45 | 19.49 | 17.67 | 12.48 | 13.67 | 0.00 | 23.37 |
| Year-End Price | 8.04 | 9.41 | 0.00 | 16.49 | 0.00 | 17.51 | 18.28 | 19.58 | 14.23 | 14.04 | 14.74 | 0.00 | 23.37 |
Eagle Bancorp Montana, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
Eagle Bancorp Montana, Inc. trades at 13.6x trailing earnings, compared to its 15-year median P/E of 10.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 8.9x vs a median of 4.2x. The company's 5-year average ROIC is 5.6% with a gross margin of 84.9%. Total shareholder yield (dividends + buybacks) is 2.9%. At current prices, the estimated annualized return to fair value is +11.3%.
Eagle Bancorp Montana, Inc. (EBMT) reported annual revenue of $127 million in its most recent fiscal year, based on SEC EDGAR filings.
Eagle Bancorp Montana, Inc. (EBMT) has a net profit margin of 11.7%. This is a healthy margin.
Eagle Bancorp Montana, Inc. (EBMT) generated $28 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Eagle Bancorp Montana, Inc. (EBMT) has a debt-to-equity ratio of 0.78. This indicates moderate leverage.
Eagle Bancorp Montana, Inc. (EBMT) reported earnings per share (EPS) of $1.90 in its most recent fiscal year.
Eagle Bancorp Montana, Inc. (EBMT) has a return on equity (ROE) of 8.1%. This indicates moderate shareholder returns.
Eagle Bancorp Montana, Inc. (EBMT) has a 5-year average gross margin of 84.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for Eagle Bancorp Montana, Inc. (EBMT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Eagle Bancorp Montana, Inc. (EBMT) has a book value per share of $24.57, based on its most recent annual SEC filing.