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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
10/12/2026: EBMT (1-star) is currently NOT-A-BUY. Pass it for now.
Eagle Bancorp Montana is a regional bank holding company serving Montana communities with a focus on retail and commercial banking. The company benefits from a stable core deposit base and a well-established local brand, which allows it to maintain consistent performance within its regional market. Its primary growth opportunity lies in upgrading digital services and pursuing selective local acquisitions to enhance scale. Investors should monitor risks related to geographic concentration, interest rate sensitivity, and competition from national financial institutions. This stock may best suit value-oriented investors seeking stable, dividend-paying equity exposure within the community banking sector.
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 focuses on steady, moderate growth rather than aggressive expansion. |
| Momentum investor | Mixed fit | Momentum is often absent due to the slow-moving nature of regional banking stocks. |
| Value investor | Strong fit | The stock often trades based on book value and tangible assets typical of community banks. |
| Dividend investor | Strong fit | The company provides a consistent dividend yield attractive to income-focused investors. |
| Low-risk investor | Mixed fit | While established, regional banking carries specific interest rate and local economic risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to regional economic shifts and interest rate news. |
| Valuation risk | Low | Trading near book value often limits extreme valuation downside. |
| Competition risk (regional banking competition) | High | Large regional banks have more resources to capture market share. |
| Business quality | Medium | The business is stable but lacks the scale of diversified national financial firms. |
| Dividend income | Medium | Dividends are reliable but can be impacted by bank profitability. |
| Execution risk | Medium | Success relies on effective management of loan portfolios in the Montana economy. |
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 10/12/2026 |
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 164.17M USD | Price to earnings Ratio 10.05 | 1Y Target Price 24 |
Price to earnings Ratio 10.05 | 1Y Target Price 24 | ||
Volume (30-day avg) 27.8K shares | Beta 0.35 | 52 Weeks Range 15.48 - 24.51 | Updated Date 10/11/2026 |
52 Weeks Range 15.48 - 24.51 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 2.78% | Basic EPS (TTM) 2.05 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way they make money is by charging more for loans than they pay for customer deposits. |
| Non-Interest Income | Fees from services, wealth management, and mortgage banking. | Additional revenue comes from bank fees and service charges. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.05 | Forward PE 10.25 | Enterprise Value 231.61M | Price to Sales(TTM) 1.73 |
Enterprise Value 231.61M | Price to Sales(TTM) 1.73 | ||
Enterprise Value to Revenue 2.83 | 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 55.49 |
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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