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Upturn AI SWOT - About
Eagle Bancorp Montana Inc (EBMT)
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Upturn Advisory Summary
05/27/2025: EBMT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
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 Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| 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 - |
Upturn AI SWOT
Eagle Bancorp Montana Inc
Company Overview
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.
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 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
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
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
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.
Similar Companies
BANF
BancFirst Corporation
BANF
BancFirst Corporation
FIBK
First Interstate BancSystem Inc
FIBK
First Interstate BancSystem Inc
GLAC
Global Lights Acquisition Corp Ordinary Shares
GLAC
Global Lights Acquisition Corp Ordinary Shares
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.
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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