image
Eagle Bancorp Montana, Inc. EBMT
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 16.915
0.696 %
$ 135 M
Market Cap
13.42
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one EBMT stock under the worst case scenario is HIDDEN Compared to the current market price of 16.9 USD, Eagle Bancorp Montana, Inc. is HIDDEN

EBMT Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one EBMT stock under the base case scenario is HIDDEN Compared to the current market price of 16.9 USD, Eagle Bancorp Montana, Inc. is HIDDEN

EBMT Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one EBMT stock under the best case scenario is HIDDEN Compared to the current market price of 16.9 USD, Eagle Bancorp Montana, Inc. is HIDDEN

EBMT Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart EBMT

image
1M 0%
6M 2%
1Y 36%
3Y -5%
5Y 13%
All
$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
104 M REVENUE
25.09%
Growth Rates
1Year 25.09%
3Years 4.40%
5Years 11.09%
7Years 15.46%
10Years 15.22%
101 M OPERATING INCOME
5636.25%
Growth Rates
1Year 5636.25%
3Years 73.65%
5Years 48.53%
7Years 38.50%
10Years 38.79%
9.78 M NET INCOME
-2.76%
Growth Rates
1Year -2.76%
3Years -12.14%
5Years -2.10%
7Years 13.21%
10Years 16.57%
28.5 M OPERATING CASH FLOW
205.36%
Growth Rates
1Year 205.36%
3Years -20.34%
5Years 139.00%
7Years 5.17%
10Years 11.51%
-27.8 M INVESTING CASH FLOW
74.31%
Growth Rates
1Year 74.31%
3Years 50.77%
5Years 14.18%
7Years 9.70%
10Years 1.90%
6.27 M FINANCING CASH FLOW
-93.83%
Growth Rates
1Year -93.83%
3Years -66.58%
5Years -38.80%
7Years -22.35%
10Years -12.83%
21 M REVENUE
991.52%
Growth Rates
1Year 25.09%
3Years 4.40%
5Years 11.09%
7Years 15.46%
10Years 15.22%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 5636.25%
3Years 73.65%
5Years 48.53%
7Years 38.50%
10Years 38.79%
3.43 M NET INCOME
26.73%
Growth Rates
1Year -2.76%
3Years -12.14%
5Years -2.10%
7Years 13.21%
10Years 16.57%
15.6 M OPERATING CASH FLOW
500.62%
Growth Rates
1Year 205.36%
3Years -20.34%
5Years 139.00%
7Years 5.17%
10Years 11.51%
22.9 M INVESTING CASH FLOW
221.88%
Growth Rates
1Year 74.31%
3Years 50.77%
5Years 14.18%
7Years 9.70%
10Years 1.90%
-49.1 M FINANCING CASH FLOW
-141.79%
Growth Rates
1Year -93.83%
3Years -66.58%
5Years -38.80%
7Years -22.35%
10Years -12.83%
Balance Sheet Eagle Bancorp Montana, Inc.
image
Current Assets 1.84 B
Cash & Short-Term Investments 322 M
Receivables 1.52 B
Other Current Assets 0
Non-Current Assets 151 M
Long-Term Investments 0
PP&E 102 M
Other Non-Current Assets 49.6 M
16.20 %76.21 %5.10 %Total Assets$2.0b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 200 M
Long-Term Debt 200 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$200.1m
EFFICIENCY
Earnings Waterfall Eagle Bancorp Montana, Inc.
image
Revenue 104 M
Cost Of Revenue 0
Gross Profit 104 M
Operating Expenses 3.25 M
Operating Income 101 M
Other Expenses 91.2 M
Net Income 9.78 M
120m120m100m100m80m80m60m60m40m40m20m20m00104m0104m(3m)101m(91m)10mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.17%
5Years 100.10%
7Years 100.07%
10Years 100.05%
96.88% OPERATING MARGIN
96.88%
Averages
1Year 96.88%
3Years 238.44%
5Years 153.57%
7Years 116.64%
10Years 88.83%
9.38% NET MARGIN
9.38%
Averages
1Year 9.38%
3Years 90.51%
5Years 62.15%
7Years 48.59%
10Years 37.35%
5.59% ROE
5.59%
Averages
1Year 5.59%
3Years 6.10%
5Years 8.27%
7Years 7.94%
10Years 7.37%
0.46% ROA
0.46%
Averages
1Year 0.46%
3Years 0.50%
5Years 0.84%
7Years 0.83%
10Years 0.75%
4.35% ROIC
4.35%
Averages
1Year 4.35%
3Years 0.13%
5Years -3.78%
7Years -3.21%
10Years -1.79%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Eagle Bancorp Montana, Inc.
image
50m50m40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 9.78 M
Depreciation & Amortization 8.89 M
Capital Expenditures 0
Stock-Based Compensation 869 K
Change in Working Capital 14.2 M
Others 9.53 M
Free Cash Flow 28.5 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Eagle Bancorp Montana, Inc.
image
Wall Street analysts predict an average 1-year price target for EBMT of $18 , with forecasts ranging from a low of $18 to a high of $18 .
EBMT Lowest Price Target Wall Street Target
18 USD 6.41%
EBMT Average Price Target Wall Street Target
18 USD 6.41%
EBMT Highest Price Target Wall Street Target
18 USD 6.41%
Price
Max Price Target
Min Price Target
Average Price Target
19191818171716161515141413131212Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.96% DIVIDEND YIELD
0.142 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.60000.60000.50000.50000.40000.40000.30000.30000.20000.20000.10000.10000.00000.00000.0750.07750.080.090.09250.0950.09750.1250.13750.140.14250.0750.07750.080.090.09250.0950.09750.1250.13750.140.07750.080.090.09250.0950.09750.1250.13750.140.14250.07750.310.080.320.090.340.09250.370.0950.380.09750.390.1250.450.13750.530.140.560.14250.570.142015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Eagle Bancorp Montana, Inc.
image
Sold
0-3 MONTHS
151 K USD 1
3-6 MONTHS
214 K USD 3
6-9 MONTHS
286 K USD 2
9-12 MONTHS
235 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
9.77 K USD 1
9-12 MONTHS
7. News
Eagle Bancorp Montana, Inc. (EBMT) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana, Inc. (EBMT) have what it takes? zacks.com - 1 week ago
Strength Seen in Eagle Bancorp Montana (EBMT): Can Its 7.0% Jump Turn into More Strength? Eagle Bancorp Montana (EBMT) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term. zacks.com - 3 weeks ago
This is Why Eagle Bancorp Montana, Inc. (EBMT) is a Great Dividend Stock Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana, Inc. (EBMT) have what it takes? zacks.com - 4 weeks ago
Eagle Bancorp Montana, Inc. (EBMT) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana, Inc. (EBMT) have what it takes? zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana, Inc. (EBMT) have what it takes? zacks.com - 1 month ago
Eagle Bancorp Montana, Inc. (EBMT) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana, Inc. (EBMT) have what it takes? zacks.com - 2 months ago
Best Value Stocks to Buy for February 5th GIII, JWN and EBMT made it to the Zacks Rank #1 (Strong Buy) value stocks list on February 5, 2025. zacks.com - 2 months ago
Best Income Stocks to Buy for February 5th RITM, HBNC and EBMT made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 5, 2025. zacks.com - 2 months ago
New Strong Buy Stocks for February 5th HWC, GIII, FMBH, EBMT and IFS have been added to the Zacks Rank #1 (Strong Buy) List on February 5, 2025. zacks.com - 2 months ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana, Inc. (EBMT) have what it takes? zacks.com - 3 months ago
Eagle Bancorp Montana, Inc. (EBMT) Surpasses Q4 Earnings and Revenue Estimates Eagle Bancorp Montana, Inc. (EBMT) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.30 per share. This compares to earnings of $0.28 per share a year ago. zacks.com - 3 months ago
Eagle Bancorp Montana Earns $3.4 Million, or $0.44 per Diluted Share, in the Fourth Quarter of 2024 and $9.8 Million, or $1.24 per Diluted Share for the Year 2024; Declares Quarterly Cash Dividend of $0.1425 Per Share HELENA, Mont., Jan. 28, 2025 (GLOBE NEWSWIRE) -- Eagle Bancorp Montana, Inc. (NASDAQ: EBMT), (the “Company,” “Eagle”), the holding company of Opportunity Bank of Montana (the “Bank”), today reported net income of $3.4 million, or $0.44 per diluted share, in the fourth quarter of 2024, compared to $2.7 million, or $0.34 per diluted share, in the preceding quarter, and $2.2 million, or $0.28 per diluted share, in the fourth quarter of 2023. For the year ended December 31, 2024, net income was $9.8 million, or $1.24 per diluted share, compared to $10.1 million, or $1.29 per diluted share, in 2023. globenewswire.com - 3 months ago
8. Profile Summary

Eagle Bancorp Montana, Inc. EBMT

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 135 M
Dividend Yield 0.96%
Description 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. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.
Contact 1400 Prospect Avenue, Helena, MT, 59601 https://www.opportunitybank.com
IPO Date April 6, 2000
Employees 372
Officers Ms. Miranda J. Spaulding CPA Senior Vice President & Chief Financial Officer Mr. Patrick Darryl Rensmon Senior Vice President & Chief Operating Officer Mr. Mark A. O'Neill Senior Vice President & Chief Lending Officer Ms. Rachel R. Amdahl Senior Vice President & Chief Operating Officer of Opportunity Bank of Montana Ms. Chantelle R. Nash J.D. Senior Vice President, Chief Risk Officer, Chief Administrative Officer & Corporate Secretary Mr. Dale F. Field Senior Vice President & Chief Credit Officer Ms. Linda M. Chilton Chief Retail Officer & Senior Vice President Ms. Laura F. Clark President, Chief Executive Officer & Director Ms. Alana M. Binde Senior Vice President & Chief Human Resources Officer