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Upturn AI SWOT - About
EBMT 
Eagle Bancorp Montana Inc (EBMT)
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Upturn Advisory Summary
09/16/2025: EBMT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -8.99% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 137.65M USD | Price to earnings Ratio 10.75 | 1Y Target Price 18 |
Price to earnings Ratio 10.75 | 1Y Target Price 18 | ||
Volume (30-day avg) 3 | Beta 0.33 | 52 Weeks Range 13.99 - 18.18 | Updated Date 09/15/2025 |
52 Weeks Range 13.99 - 18.18 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) 1.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 10.75 | Forward PE 10.25 | Enterprise Value 286778912 | Price to Sales(TTM) 1.63 |
Enterprise Value 286778912 | Price to Sales(TTM) 1.63 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 7952180 | Shares Floating 7150944 |
Shares Outstanding 7952180 | Shares Floating 7150944 | ||
Percent Insiders 7.24 | Percent Institutions 50.7 |
Upturn AI SWOT
Eagle Bancorp Montana Inc
Company Overview
History and Background
Eagle Bancorp Montana, Inc. was founded in 1984 and is headquartered in Helena, Montana. It operates as the holding company for Eagle Bank, providing community banking services in Montana. The company has grown through a combination of organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, business loans, and lines of credit. This segment serves small to medium-sized businesses.
- Retail Banking: Provides traditional retail banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Peter Johnson serves as CEO. The company operates with a traditional board of directors and executive management structure common among regional banks.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to pinpoint exactly for each region and type of loan; however, regional banks compete with larger national players and other community banks. Competitors include larger national banks such as Wells Fargo and US Bank as well as other regional and local banks.
- Mortgages: Residential mortgage loans for home purchases and refinancing. The mortgage market is highly competitive, with market share varying by region. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Business Loans: Loans offered to small businesses. Market share data is very difficult to obtain. Competitors include national lenders like Chase and regional competitors
Market Dynamics
Industry Overview
The community banking industry is facing increased regulation, competition from larger banks and non-bank lenders, and the need to invest in technology. Interest rate environment and economic conditions greatly impact profitability.
Positioning
Eagle Bancorp Montana is a community-focused bank operating primarily in Montana. Its competitive advantages include local knowledge, strong customer relationships, and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Montana is estimated in the billions of dollars, encompassing all lending, deposit, and wealth management services. Eagle Bancorp Montana has a small, but established position within this TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition in Montana
- Experienced management team
- Focus on customer relationships
- Stable deposit base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Vulnerable to economic conditions in Montana
- Dependence on net interest income
Opportunities
- Expansion into new markets within Montana
- Increased adoption of digital banking services
- Acquisitions of smaller community banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn in Montana
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- BXS
- FFWM
Competitive Landscape
Eagle Bancorp Montana competes with larger national banks and other community banks. It differentiates itself through its local focus and personalized service. Their size is their biggest challenge against other large regional competitors.
Growth Trajectory and Initiatives
Historical Growth: Eagle Bancorp Montana has experienced steady growth through organic expansion and acquisitions.
Future Projections: Future growth is dependent on economic conditions in Montana, interest rate trends, and the company's ability to execute its strategic plan.
Recent Initiatives: Recent initiatives may include investments in technology, branch expansions, or strategic acquisitions.
Summary
Eagle Bancorp Montana is a community bank with a strong presence in Montana. Its focus on customer relationships and local market knowledge are its strengths. The company faces challenges from larger competitors and economic fluctuations. Future growth depends on strategic initiatives and successful navigation of the competitive landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary by region and product.
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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