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Upturn AI SWOT - About
EBMT 
Eagle Bancorp Montana Inc (EBMT)
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Upturn Advisory Summary
10/20/2025: EBMT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $18
1 Year Target Price $18
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.74% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 133.44M USD | Price to earnings Ratio 10.42 | 1Y Target Price 18 |
Price to earnings Ratio 10.42 | 1Y Target Price 18 | ||
Volume (30-day avg) 3 | Beta 0.33 | 52 Weeks Range 13.99 - 18.18 | Updated Date 10/19/2025 |
52 Weeks Range 13.99 - 18.18 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 3.45% | Basic EPS (TTM) 1.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.47 | Actual - |
Profitability
Profit Margin 14.9% | Operating Margin (TTM) 20.73% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 7.19% |
Valuation
Trailing PE 10.42 | Forward PE 10.25 | Enterprise Value 282646880 | Price to Sales(TTM) 1.58 |
Enterprise Value 282646880 | Price to Sales(TTM) 1.58 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 7952177 | Shares Floating 7150944 |
Shares Outstanding 7952177 | Shares Floating 7150944 | ||
Percent Insiders 7.24 | Percent Institutions 50.8 |
Upturn AI SWOT
Eagle Bancorp Montana Inc
Company Overview
History and Background
Eagle Bancorp Montana, Inc. was founded in 1998 and operates as the holding company for Opportunity Bank of Montana. The bank focuses on providing financial services to individuals and businesses throughout Montana.
Core Business Areas
- Commercial Banking: Provides a variety of lending and deposit services to small and medium-sized businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management services, including investment management and financial planning.
Leadership and Structure
The leadership team typically includes a CEO, CFO, and various VPs overseeing different business areas. The organizational structure is generally hierarchical, with regional managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to businesses' expansion and investment needs. Limited market share data available specific to Eagle Bancorp Montana, competitors include larger national and regional banks like Wells Fargo and US Bancorp.
- Residential Mortgages: Loans for purchasing or refinancing homes. Limited market share data available specific to Eagle Bancorp Montana, competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Small Business Loans: Loans targeted at small businesses for operational expenses, capital expenditures, and growth. Limited market share data available specific to Eagle Bancorp Montana, competitors include other local and regional banks and online lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increasing competition from fintech companies, and regulatory changes. Community banks like Eagle Bancorp Montana face pressure to innovate and maintain customer loyalty.
Positioning
Eagle Bancorp Montana positions itself as a community bank focused on providing personalized service and local expertise. Its competitive advantages include strong customer relationships and knowledge of the Montana market.
Total Addressable Market (TAM)
The TAM for banking services in Montana is significant, encompassing all residents and businesses needing financial services. Eagle Bancorp Montana aims to capture a larger share by focusing on customer service and local presence.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Deep understanding of Montana market
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on Montana economy
- Potentially lower technological investment compared to larger competitors
Opportunities
- Expansion into new Montana markets
- Increased demand for local banking services
- Partnerships with fintech companies
- Growing Montana economy
Threats
- Competition from national banks
- Economic downturn in Montana
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- MTB
Competitive Landscape
Eagle Bancorp Montana faces stiff competition from larger national and regional banks. Its advantages lie in its local focus and customer service, while its disadvantages include smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Information not available. Need updated financial data to fill.
Future Projections: Information not available. Need updated analyst estimates to fill.
Recent Initiatives: Information not available. Need updated financial data to fill.
Summary
Eagle Bancorp Montana operates as a community bank with a focus on Montana. The company's local presence and customer service are strengths, but it faces competition from larger banks. Its future growth depends on its ability to capitalize on opportunities in the Montana market. Need updated financials to fill out gaps.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Eagle Bancorp Montana Inc
Exchange NASDAQ | Headquaters Helena, MT, United States | ||
IPO Launch date 2000-04-06 | President, CEO & Director Ms. Laura F. Clark | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 372 | Website https://www.opportunitybank.com |
Full time employees 372 | Website https://www.opportunitybank.com | ||
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various 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. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and residential property construction loans; 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 comprising 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 loans. The company operates full-service branches and automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.
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