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EBMT
Upturn stock ratingUpturn stock rating

Eagle Bancorp Montana Inc (EBMT)

Upturn stock ratingUpturn stock rating
$16.98
Delayed price
Profit since last BUY-2.13%
upturn advisory
Consider higher Upturn Star rating
BUY since 12 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

05/27/2025: EBMT (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Analysis of Past Performance

Type Stock
Historic Profit -2.72%
Avg. Invested days 34
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 05/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 133.20M USD
Price to earnings Ratio 11.88
1Y Target Price 18.33
Price to earnings Ratio 11.88
1Y Target Price 18.33
Volume (30-day avg) 46599
Beta 0.36
52 Weeks Range 12.17 - 18.34
Updated Date 05/26/2025
52 Weeks Range 12.17 - 18.34
Updated Date 05/26/2025
Dividends yield (FY) 3.40%
Basic EPS (TTM) 1.41

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

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 11.88
Forward PE 10.25
Enterprise Value 292188160
Price to Sales(TTM) 1.62
Enterprise Value 292188160
Price to Sales(TTM) 1.62
Enterprise Value to Revenue 3.9
Enterprise Value to EBITDA -
Shares Outstanding 7952180
Shares Floating 6666816
Shares Outstanding 7952180
Shares Floating 6666816
Percent Insiders 7.4
Percent Institutions 45.75

Analyst Ratings

Rating 3
Target Price 18.33
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Eagle Bancorp Montana Inc

Company Overview

overview logo History and Background

Eagle Bancorp Montana, Inc. was founded in 1983 and operates as the bank holding company for Eagle Bank. It has grown organically and through acquisitions to become a prominent community bank in Montana.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of commercial lending products, including loans for businesses, real estate, and equipment. Also provides deposit accounts, cash management services, and other financial services tailored to businesses.
  • Retail Banking: Offers consumer banking services such as checking and savings accounts, mortgages, auto loans, and personal loans. Also provides online and mobile banking services.
  • Wealth Management: Provides trust and wealth management services to individuals and families. Services include financial planning, investment management, and estate planning.

leadership logo Leadership and Structure

The company is led by a board of directors and an executive management team. Key individuals include the CEO, CFO, and heads of various business units. The organizational structure is typical of a community bank holding company, with centralized functions supporting the bank's branches.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans are a significant portion of Eagle Bancorp's portfolio. No specific market share available. Competitors: Glacier Bancorp, First Interstate BancSystem.
  • Residential Mortgages: Residential mortgages are offered to individuals. No specific market share available. Competitors: National banks like Wells Fargo and US Bank, and other regional banks.
  • Deposit Accounts: Checking, savings, and money market accounts. No specific market share data available. Competitors: Various regional and national banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focused on serving local markets and building relationships with customers.

Positioning

Eagle Bancorp Montana is a community-focused bank with a strong presence in Montana. Its competitive advantages include its local market knowledge, customer relationships, and personalized service.

Total Addressable Market (TAM)

The TAM is the total banking market in Montana, estimated to be worth billions of dollars. Eagle Bancorp is positioned to capture a share of this market through its local focus and community banking model.

Upturn SWOT Analysis

Strengths

  • Strong presence in Montana
  • Established customer relationships
  • Community-focused business model
  • Experienced management team

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger banks
  • Dependence on local economy
  • Susceptible to interest rate changes

Opportunities

  • Expanding into new markets within Montana
  • Growing wealth management business
  • Adopting new technologies to improve efficiency
  • Acquiring smaller banks or branches

Threats

  • Increasing competition from larger banks and fintech companies
  • Economic downturn in Montana
  • Rising interest rates
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • GLAC
  • FIBK

Competitive Landscape

Eagle Bancorp Montana competes with larger regional banks and smaller community banks. Its advantages include its local market knowledge and customer relationships. Disadvantages include its smaller scale and limited geographic diversification.

Major Acquisitions

Growth Trajectory and Initiatives

Historical Growth: Eagle Bancorp Montana has experienced moderate growth in recent years, driven by organic growth and acquisitions. Growth rates require access to financial terminals.

Future Projections: Future growth projections are based on analyst estimates and depend on various factors, including economic conditions and competition. Projection numbers require access to financial terminals.

Recent Initiatives: Recent initiatives include expanding into new markets and implementing new technologies to improve efficiency.

Summary

Eagle Bancorp Montana is a community bank with a strong presence in Montana. Its strength lies in its local market knowledge and established customer relationships. However, it faces challenges from larger banks and economic fluctuations. Future growth depends on successfully expanding into new markets and adapting to changing industry dynamics.

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GLACratingrating

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Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports (limited access)
  • Market data providers (limited access)

Disclaimers:

The data provided is for informational purposes only and should not be considered investment advice. Financial data is based on available information and may be subject to change. Market share data is estimated and may not be precise. This analysis is intended for illustrative purposes and relies on information that may not be fully comprehensive.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 372

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.