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EBMT

BUYFLAG

Eagle Bancorp Montana, Inc. · Financial Services · United States · $186M · Avg Vol: $2M/d

79
StockRank
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Q
51
V
60
M
62
P/E (TTM)
11.6x
ROE
8.4%
D/E
0.4x
Dividend %
2.5%
AI CONVICTION THESIS

Eagle Bancorp Montana clears the floors at Q50 V60 M62 with a buyback, so stage one passes, but insider selling of 0.13% is adverse evidence, so the calibrated bar blocks approval at stage two.

COMPANY DESCRIPTION

Eagle Bancorp Montana, Inc. operates as a community bank providing a comprehensive suite of financial products and services to individuals and businesses across its Montana footprint. The bank differentiates itself through its deep local market knowledge, personalized customer service, and strong community relationships. It functions as a relationship-focused regional bank, strategically positioned to capitalize on local economic growth and serve the specific needs of its rural and urban communities.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue87.5M83.3M79.6M90.2M1.0%92.8M94.6M98.5M4.5%
EPS1.451.291.251.909.4%1.992.042.156.5%
Shares8.0M8.0M8.0M8.0M-0.6%8.0M
Debt128.2M234.7M200.1M82.4M-13.7%71.3M
Equity158.4M169.3M174.8M191.8M6.6%
Op CF41.9M9.3M28.5M33.1M-7.5%26.5M
Inv CF-235.0M-108.2M-27.8M22.0M
Fin CF153.5M101.6M6.3M-23.7M
Loading 1Y...
PRICE (1Y)-0.2%
22.8023.2123.6124.0224.43Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$23.37
RSI (14)
50.9
52W High
$24.66
From 52W High
0.9%

SCORE BREAKDOWN

Quality
51
ROIC (ROA)
0.7%*30.0
ROE
8.4%42.9
GP/Assets
4.4%N/A
Op. Margin
24.0%43.0
FCF/Assets
1.1%N/A
Piotroski
797.0
Int. Cover
50.0
D/E Ratio
0.43xN/A
Current Ratio
bankN/A
Value
60
P/E (TTM)
11.6x61.6
EV/EBITDA
bankN/A
P/FCF
8.1xN/A
P/B
0.9x67.1
P/S
2.0x76.9
Div Yield
2.5%30.3
Momentum
62
52W High %
95%58.0
RS 6M
5%68.7
SMA 50/200
1.12x81.1
EPS Rev 4W
+0.3%82.5
EPS Rev 12W
+0.1%59.0
EPS Improve
+8%29.6
Q Growth
23%57.5

FUNDAMENTALS

Market Cap
$186M
P/E (Forward)
10.7x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EBMT are excluded.

TickerCompanyMkt CapStockRankSignal
EBMTEagle Bancorp Montana, Inc.(you)$186M79BUY
FCAPFirst Capital, Inc.$203M78BUY
SBFGSB Financial Group, Inc.$160M76BUY
LARKLandmark Bancorp, Inc.$192M85STRONG BUY
PEBKPeoples Bancorp of North Carolina, Inc.$229M77BUY
MNSBMainStreet Bancshares, Inc.$167M75BUY
CMTVCommunity Bancorp$227M82STRONG BUY
HWBKHawthorn Bancshares, Inc.$265M79BUY
ATLOAmes National Corporation$266M81STRONG BUY
VABKVirginia National Bankshares Corporation$243M83STRONG BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Eagle Bancorp Montana, Inc. (EBMT) — Stock Score Summary

Eagle Bancorp Montana, Inc. (EBMT) has a MoatMap StockRank of 79/100 based on Quality (51/100), Value (60/100), and Momentum (62/100) factor scores. The current signal is BUY. Eagle Bancorp Montana clears the floors at Q50 V60 M62 with a buyback, so stage one passes, but insider selling of 0.13% is adverse evidence, so the calibrated bar blocks approval at stage two.

Eagle Bancorp Montana, Inc. operates as a community bank providing a comprehensive suite of financial products and services to individuals and businesses across its Montana footprint. The bank differentiates itself through its deep local market knowledge, personalized customer service, and strong community relationships. It functions as a relationship-focused regional bank, strategically positioned to capitalize on local economic growth and serve the specific needs of its rural and urban communities.

Key Financial Metrics

Price$23.37
Market Cap$186M
P/E (TTM)11.60
P/E (Forward)10.72
Price/Book0.94
Return on Equity8.4%
Debt/Equity0.43x
Operating Margin24.0%
Revenue Growth11.6%
Dividend Yield2.5%
Free Cash Flow$23M

Eagle Bancorp Montana, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Eagle Bancorp Montana, Inc.’s (EBMT) StockRank?
MoatMap’s StockRank for Eagle Bancorp Montana, Inc. (EBMT) is 79/100, with a Buy signal. It is a composite of Quality (51), Value (60), and Momentum (62) factor ranks across MoatMap’s 20,000+ stock universe.
Does Eagle Bancorp Montana, Inc. have an economic moat?
Eagle Bancorp Montana, Inc. (EBMT) has a Quality factor score of 51/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Eagle Bancorp Montana, Inc. a buy, hold, or sell?
MoatMap’s current signal for Eagle Bancorp Montana, Inc. (EBMT) is Buy, based on a StockRank of 79/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Eagle Bancorp Montana, Inc. in?
Eagle Bancorp Montana, Inc. (EBMT) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).