Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $127.55M
• Dividend Yield: 3.43%
• Average Volume (3M): 20.33K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.54
• Revenue Growth: 6.23%
• EPS Growth: 59.32%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.46
• Shares Outstanding: 7,952,177
• 10 Day Avg. Volume: 22,384
• 30 Day Avg. Volume: 20,328
• PEG Ratio: -3.99
• Price to Book (P/B): 0.69
• Price to Sales (P/S): 1.00
• P/FCF Ratio: 8.36
• Enterprise Value/Market Cap: 2.22
• Enterprise Value/Revenue: 2.29
• Enterprise Value/Gross Profit: 3.40
• Enterprise Value/Ebitda: 11.97
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $18.50 ▲(15.34% Upside)

Eagle Bancorp Montana's stock score is primarily driven by its solid financial performance and reasonable valuation. The company's strong gross profit margins and improved leverage are significant strengths. However, technical indicators suggest a potential bearish trend, which slightly offsets the positive financial metrics. The absence of earnings call data and corporate events means these factors do not influence the score.

Eagle Bancorp Montana Business Overview & Revenue Model

Company Description

Eagle Bancorp Montana (EBMT) is a financial holding company based in Montana, primarily engaged in providing a range of banking services through its wholly-owned subsidiary, Eagle Bank. The company operates in the banking sector, offering services such as personal and commercial banking, mortgage lending, and investment services. EBMT focuses on serving the financial needs of individuals, small businesses, and other entities within its local communities, emphasizing personalized customer service and community engagement.

How the Company Makes Money

Eagle Bancorp Montana generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. The key revenue streams include interest earned on commercial and consumer loans, mortgage loans, and investment securities. Additionally, the company earns fees from account services, transaction services, and other banking-related activities. Significant partnerships with local businesses and organizations enhance its ability to attract deposits and lending opportunities, contributing to its overall earnings. The company's focus on local markets and community-oriented banking helps it maintain a competitive edge and foster customer loyalty.

Eagle Bancorp Montana Financial Statement Overview

Summary

Eagle Bancorp Montana demonstrates solid revenue growth and operational efficiency, with strong gross profit margins. The balance sheet shows improved leverage and stable equity, while cash flow metrics indicate positive free cash flow growth. However, the company could enhance its net profit margins and cash conversion ratios to strengthen its financial position further.

Income Statement

Eagle Bancorp Montana shows a consistent revenue growth trend, with a TTM revenue growth rate of 1.58%. The gross profit margin remains strong at 67.32% TTM, indicating efficient cost management. However, the net profit margin is relatively modest at 10.21% TTM, suggesting room for improvement in profitability. The EBIT and EBITDA margins are healthy, reflecting good operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.99 TTM from 1.15 in the previous year, indicating better leverage management. Return on equity is moderate at 7.10% TTM, showing decent profitability relative to shareholder equity. The equity ratio is not explicitly calculated, but the balance sheet reflects a stable financial position with a reasonable level of equity.

Cash Flow

Free cash flow growth is positive at 6.13% TTM, indicating improving cash generation capabilities. The operating cash flow to net income ratio is low at 0.0125 TTM, suggesting potential challenges in converting income into cash. The free cash flow to net income ratio is healthy at 0.60 TTM, showing a good conversion of profits into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	123.56M	120.42M	112.45M	93.65M	93.19M	90.35M
Gross Profit	83.18M	79.13M	81.86M	85.50M	89.13M	90.35M
EBITDA	23.65M	20.28M	19.55M	21.56M	27.11M	42.41M
Net Income	12.62M	9.78M	10.06M	10.70M	14.42M	21.21M
Balance Sheet
Total Assets	2.14B	2.10B	2.08B	1.95B	1.44B	1.26B
Cash, Cash Equivalents and Short-Term Investments	310.72M	150.94M	342.82M	371.31M	325.87M	225.13M
Total Debt	178.63M	201.09M	234.74M	128.24M	34.87M	46.86M
Total Liabilities	1.96B	1.93B	1.91B	1.79B	1.28B	1.10B
Stockholders Equity	180.64M	174.76M	169.27M	158.42M	156.73M	152.94M
Cash Flow
Free Cash Flow	13.14M	14.46M	-4.84M	25.15M	44.24M	-18.52M
Operating Cash Flow	21.78M	28.54M	9.35M	41.91M	56.45M	2.12M
Investing Cash Flow	-35.89M	-27.80M	-108.20M	-235.04M	-232.92M	-22.04M
Financing Cash Flow	17.27M	6.27M	101.59M	153.51M	168.10M	64.80M

Eagle Bancorp Montana Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 16.04
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EBMT, the sentiment is Negative. The current price of 16.04 is below the 20-day moving average (MA) of 16.84, below the 50-day MA of 17.14, and below the 200-day MA of 16.59, indicating a bearish trend. The MACD of -0.17 indicates Positive momentum. The RSI at 31.68 is Neutral, neither overbought nor oversold. The STOCH value of 18.84 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EBMT.

Eagle Bancorp Montana Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNWD	―	$146.14M	17.05	5.05%	1.42%	-7.07%	-29.17%
EBMT	―	$127.55M	9.53	7.43%	3.43%	6.23%	59.32%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	―	$118.42M	16.28	5.95%	―	5.18%	36.12%
FGBI	―	$121.72M	-7.98	-4.06%	0.50%	9.81%	-220.92%
RBKB	―	$111.50M	21.95	3.95%	―	22.30%	―

Eagle Bancorp Montana Corporate Events

Eagle Bancorp Montana Redeems Subordinated Notes

On October 1, 2025, Eagle Bancorp Montana, Inc. redeemed all of its outstanding 5.50% Fixed-to-Floating Rate Subordinated Notes due July 1, 2030, totaling $15,000,000. The redemption was financed through a $15,000,000 draw on the company’s existing line of credit, which has a two-year maturity and a variable interest rate below the prime rate, secured by the company’s assets and subject to financial covenants.

The most recent analyst rating on (EBMT) stock is a Buy with a $19.50 price target. To see the full list of analyst forecasts on Eagle Bancorp Montana stock, see the EBMT Stock Forecast page.

Eagle Bancorp Montana Executive Presentation in August 2025

Eagle Bancorp Montana, Inc. announced that its executive officers will present to institutional investors during the fourth week of August 2025. The company has shown a strong track record of strategic acquisitions and has maintained excellent credit quality with non-performing assets at 0.24% as of June 30, 2025. The bank reported a net income of $6.5 million for the year-to-date 2025, with a net interest margin of 3.82% and a return on average assets of 0.62%.

The most recent analyst rating on (EBMT) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Eagle Bancorp Montana stock, see the EBMT Stock Forecast page.

Eagle Bancorp Montana Reports Strong Q2 2025 Results

Eagle Bancorp Montana, Inc., a bank holding company headquartered in Helena, Montana, operates Opportunity Bank of Montana, serving consumers and small businesses through 30 banking offices across the state. In the second quarter of 2025, Eagle Bancorp Montana reported a net income of $3.2 million, or $0.41 per diluted share, consistent with the previous quarter, and a significant increase from $1.7 million, or $0.22 per diluted share, in the same quarter of the previous year. The company also announced an increase in its quarterly cash dividend to $0.145 per share, reflecting a strong financial performance.