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Upturn AI SWOT - About
EBMT 
Eagle Bancorp Montana Inc (EBMT)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $18.33
Year Target Price $18.33
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.88% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 132.80M USD | Price to earnings Ratio 11.84 | 1Y Target Price 18 |
Price to earnings Ratio 11.84 | 1Y Target Price 18 | ||
Volume (30-day avg) - | Beta 0.35 | 52 Weeks Range 12.17 - 18.34 | Updated Date 06/29/2025 |
52 Weeks Range 12.17 - 18.34 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.41% | Basic EPS (TTM) 1.41 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.52% | Operating Margin (TTM) 21.18% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 6.42% |
Valuation
Trailing PE 11.84 | Forward PE 10.25 | Enterprise Value 294187360 | Price to Sales(TTM) 1.61 |
Enterprise Value 294187360 | Price to Sales(TTM) 1.61 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA - | Shares Outstanding 7952180 | Shares Floating 6782571 |
Shares Outstanding 7952180 | Shares Floating 6782571 | ||
Percent Insiders 7.4 | Percent Institutions 45.23 |
Analyst Ratings
Rating 3 | Target Price 18.33 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Eagle Bancorp Montana Inc
Company Overview
History and Background
Eagle Bancorp Montana, Inc. was founded in 1984. It operates as the bank holding company for Opportunity Bank of Montana, offering community banking services across Montana. Over time, it has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides commercial lending, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers personal banking services including checking accounts, savings accounts, mortgages, and consumer loans.
- Agricultural Lending: Provides loans tailored to the agricultural sector.
Leadership and Structure
Peter J. Johnson serves as the CEO and Chairman. The organizational structure includes various departments such as lending, finance, and operations, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and real estate. Limited publicly available market share data. Competitors include larger regional and national banks operating in Montana, such as First Interstate BancSystem and Glacier Bancorp.
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share data varies by region in Montana. Competitors include national mortgage lenders and other local banks.
- Agricultural Loans: Loans tailored to farmers and ranchers. Competition includes Farm Credit Services of Montana and other agricultural lenders.
Market Dynamics
Industry Overview
The banking industry in Montana is competitive, with a mix of large national banks, regional players, and community banks. The industry is influenced by interest rates, economic growth, and regulatory changes.
Positioning
Eagle Bancorp Montana focuses on community banking, emphasizing local relationships and personalized service. Its competitive advantages include strong local knowledge and responsiveness to customer needs.
Total Addressable Market (TAM)
The TAM for banking services in Montana is estimated to be in the billions, encompassing all loans and deposits across the state. Eagle Bancorp Montana is positioned to serve a significant portion of this market, particularly within its existing footprint.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Diversified loan portfolio
- Solid asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on the Montana economy
- Higher cost structure than larger competitors
- Limited digital banking capabilities
Opportunities
- Expansion into new markets within Montana
- Increased demand for local banking services
- Technological innovation in banking
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks
- Economic downturn in Montana
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- First Interstate BancSystem (FIBK)
- Glacier Bancorp (GBCI)
Competitive Landscape
Eagle Bancorp Montana's advantages include its strong local presence and community focus. Disadvantages include smaller size and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be available from the 10k reports.
Future Projections: Future Projections and growth trends are typically available from analyst estimates.
Recent Initiatives: Recent initiatives would be present within 10k reports and/or investor releases.
Summary
Eagle Bancorp Montana is a community bank with a strong regional presence in Montana. Its strengths lie in its local relationships and community focus. However, its smaller size and limited resources pose challenges in competing with larger banks. Continued success depends on managing competition, growing its market share, and adapting to changes in the banking industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Company Website
- Analyst reports
Disclaimers:
This analysis is based on available information and general industry knowledge. Market share data is estimated and may not be precise. Actual performance may vary. Investment decisions should be based on thorough research and professional advice.
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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