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Upturn AI SWOT - About
EBMT 
Eagle Bancorp Montana Inc (EBMT)
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Upturn Advisory Summary
08/14/2025: 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 -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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 134.39M USD | Price to earnings Ratio 10.5 | 1Y Target Price 18 |
Price to earnings Ratio 10.5 | 1Y Target Price 18 | ||
Volume (30-day avg) 3 | Beta 0.38 | 52 Weeks Range 13.27 - 18.18 | Updated Date 08/15/2025 |
52 Weeks Range 13.27 - 18.18 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.37% | Basic EPS (TTM) 1.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When Before Market | Estimate 0.42 | Actual 0.41 |
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 10.5 | Forward PE 10.25 | Enterprise Value 283582432 | Price to Sales(TTM) 1.59 |
Enterprise Value 283582432 | Price to Sales(TTM) 1.59 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 7952180 | Shares Floating 6639979 |
Shares Outstanding 7952180 | Shares Floating 6639979 | ||
Percent Insiders 7.27 | Percent Institutions 57.47 |
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, which provides community banking services to individuals, small businesses, and agricultural clients primarily in Montana. The bank has grown organically and through acquisitions, expanding its presence across the state.
Core Business Areas
- Commercial Banking: Provides a range of lending products including commercial real estate loans, agricultural loans, and small business loans. Deposit services such as checking, savings, and money market accounts are also offered.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Provides trust and investment services to individuals and businesses.
Leadership and Structure
Eagle Bancorp Montana, Inc. is led by a board of directors and an executive management team. The organizational structure includes various departments such as lending, operations, finance, and compliance, each headed by experienced professionals in their respective fields. Peter J. Johnson serves as the President and CEO.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. While specific market share data is difficult to obtain for this segment specifically for Eagle Bancorp Montana, Inc., the commercial real estate lending market is highly competitive. Competitors include larger regional and national banks.
- Agricultural Loans: Offers loans tailored to the needs of farmers and ranchers. Again, specific market share data is limited but Eagle Bancorp has a strong presence in this market in Montana. Competitors include Farm Credit Services and other regional banks with agricultural lending programs.
- Residential Mortgages: Offers mortgages to home buyers. Specific market share unavailable but the market includes both regional and national players such as Wells Fargo and US Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from non-bank financial institutions. The industry is also experiencing technological disruption with the rise of fintech companies.
Positioning
Eagle Bancorp Montana, Inc. positions itself as a community bank focused on providing personalized service and local expertise. Its competitive advantages include its strong relationships with customers in Montana and its deep understanding of the local economy. They are smaller and more regional than some of their largest competitors.
Total Addressable Market (TAM)
The total addressable market for banking services in Montana is significant, with total deposits in Montana banks reaching into the billions. Eagle Bancorp Montana, Inc. captures a portion of this market. TAM figures are not static and depend on prevailing economic conditions. Their relatively small size means their percentage of the TAM is also comparatively small.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Conservative lending practices
- Strong capital position
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger regional banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets within Montana
- Adoption of new technologies to improve efficiency
- Increase in loan demand due to economic growth
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Montana
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- WFC
- USB
- BANC
Competitive Landscape
Eagle Bancorp Montana Inc is a small regional bank. It faces competition from both larger national players like Wells Fargo and US Bank and from other regional and community banks. Its advantage lies in its local knowledge and customer relationships, but it lacks the scale and resources of its larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable
Future Projections: Future projections unavailable
Recent Initiatives: Recent initiatives are unavailable without specific recent news or filings.
Summary
Eagle Bancorp Montana, Inc. is a community bank with a strong presence in Montana. Its strength lies in its local market knowledge and customer relationships. However, it faces challenges from larger competitors and economic uncertainties. Investing in technology and diversifying its offerings could improve its competitiveness.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source. Financial data may be outdated.
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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