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Upturn AI Summary - About
Eagle Bancorp Montana Inc(EBMT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EBMT
10/26/2026: EBMT (1-star) is currently NOT-A-BUY. Pass it for now.
Eagle Bancorp Montana Inc is a regional community bank operating primarily in Montana, focusing on traditional loan and deposit products. The company benefits from a deep-rooted understanding of its local market and a historically stable, conservative lending approach. Its primary investment story centers on consistent, dividend-paying income and potential growth through localized market capture. However, risks include geographic concentration, exposure to regional real estate cycles, and intensifying competition from larger financial institutions. The stock may best suit dividend-focused or value-oriented investors who prioritize stability over rapid growth and are comfortable monitoring regional economic and interest rate trends that influence performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth banking sector rather than a high-growth industry. |
| Momentum investor | Weak fit | Small-cap regional bank stocks often exhibit lower volume and slower price momentum compared to growth sectors. |
| Value investor | Strong fit | The bank often trades based on book value and earnings multiples common to conservative community banking valuations. |
| Dividend investor | Strong fit | The company provides a consistent dividend payout which is a key focus for income-oriented investors. |
| Low-risk investor | Mixed fit | While established, the geographic concentration in Montana introduces specific localized economic risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap bank stocks can experience price swings based on interest rate sentiment and local economic data. |
| Valuation risk | Low | The stock is typically valued on traditional bank metrics which helps prevent extreme speculative bubbles. |
| Competition risk (regional banking) | Medium / high | Intense competition from larger regional banks with deeper resources pressures margins and market share. |
| Business quality | Medium | The business has a solid, established franchise in its home state but lacks the scale of national competitors. |
| Dividend income | Medium | Dividends are generally reliable but subject to bank capital requirements and profitability. |
| Execution risk | Medium | Success depends on prudent loan underwriting and effectively navigating economic cycles in Montana. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 23.15% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 169.82M USD | Price to earnings Ratio 10.4 | 1Y Target Price 24 |
Price to earnings Ratio 10.4 | 1Y Target Price 24 | ||
Volume (30-day avg) 26.8K shares | Beta 0.35 | 52 Weeks Range 15.48 - 24.51 | Updated Date 10/25/2026 |
52 Weeks Range 15.48 - 24.51 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 2.69% | Basic EPS (TTM) 2.05 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings generated from loans (mortgage, commercial) minus interest paid on customer deposits. | This is the core profit engine driven by the spread between what the bank earns on loans and pays on deposits. |
| Non-Interest Income | Service charges, fees, and mortgage banking gains. | These are secondary revenue streams that provide diversification beyond interest rate movements. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.55 | Actual - |
Profitability
Profit Margin 16.95% | Operating Margin (TTM) 22.28% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 8.5% |
Valuation
Trailing PE 10.4 | Forward PE 10.25 | Enterprise Value 234.62M | Price to Sales(TTM) 1.79 |
Enterprise Value 234.62M | Price to Sales(TTM) 1.79 | ||
Enterprise Value to Revenue 2.89 | Enterprise Value to EBITDA - | Shares Outstanding 7.97M | Shares Floating 7.23M |
Shares Outstanding 7.97M | Shares Floating 7.23M | ||
Percent Insiders 6.42 | Percent Institutions 55.6 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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