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1. Company Snapshot

1.a. Company Description

Eagle Bancorp Montana, Inc.operates as the bank holding company for Opportunity Bank of Montana that provides various retail 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 accounts.


The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; 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, such as 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 loan services.The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines.


Eagle Bancorp Montana, Inc.was founded in 1922 and is headquartered in Helena, Montana.

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1.b. Last Insights on EBMT

Eagle Bancorp Montana, Inc.'s recent performance was driven by strong quarterly earnings of $0.44 per share, surpassing the Zacks Consensus Estimate by 46.7%. The company also reported net income of $3.4 million, a 55.5% increase from the fourth quarter of 2023. Additionally, Eagle Bancorp Montana declared a quarterly cash dividend of $0.1425 per share, which is a positive indicator for shareholders. The company's strong earnings and dividend payment contributed to its inclusion in the Zacks Rank #1 (Strong Buy) income and value stocks lists.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Eagle Bancorp Montana (EBMT) Upgraded to Strong Buy: Here's What You Should Know

Oct -30

Source: zacks.com

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Best Value Stock to Buy for Oct. 30th

Oct -30

Source: zacks.com

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Best Income Stocks to Buy for Oct. 30th

Oct -30

Source: zacks.com

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New Strong Buy Stocks for Oct. 30: HTBK, HCA, and More

Oct -30

Source: zacks.com

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Eagle Bancorp Montana (EBMT) Could Find a Support Soon, Here's Why You Should Buy the Stock Now

Aug -05

Source: zacks.com

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Eagle Bancorp Montana, Inc. (EBMT) Meets Q2 Earnings Estimates

Jul -29

Source: zacks.com

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Eagle Bancorp Montana Beats Q2 Revenue

Jul -29

Source: fool.com

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Eagle Bancorp Montana Earns $3.2 Million, or $0.41 per Diluted Share, in the Second Quarter of 2025; Increases Quarterly Cash Dividend to $0.145 Per Share

Jul -29

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.40%)

6. Segments

Banking and Related Activities

Expected Growth: 7.4%

Eagle Bancorp Montana's 7.4% growth in Banking and Related Activities is driven by strong loan growth, fueled by a robust Montana economy and increasing demand for commercial and residential loans. Additionally, the bank's strategic expansion into new markets, improved operating efficiency, and favorable interest rate environment have contributed to its growth.

7. Detailed Products

Personal Banking

Eagle Bancorp Montana, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The company provides business banking services, including commercial loans, lines of credit, and cash management solutions, tailored to meet the unique needs of businesses.

Mortgage Lending

Eagle Bancorp Montana, Inc. offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, construction loans, and home equity loans.

Wealth Management

The company provides wealth management services, including investment management, retirement planning, and estate planning, to help clients achieve their financial goals.

Online Banking

Eagle Bancorp Montana, Inc. offers online banking services, allowing customers to manage their accounts, pay bills, and transfer funds from anywhere, at any time.

Mobile Banking

The company provides mobile banking services, enabling customers to manage their accounts, deposit checks, and transfer funds using their mobile devices.

8. Eagle Bancorp Montana, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Eagle Bancorp Montana, Inc. is medium due to the presence of alternative banking services and financial institutions in the market.

Bargaining Power Of Customers

The bargaining power of customers for Eagle Bancorp Montana, Inc. is low due to the lack of concentration of buyers in the market.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Eagle Bancorp Montana, Inc. is medium due to the moderate concentration of suppliers in the market.

Threat Of New Entrants

The threat of new entrants for Eagle Bancorp Montana, Inc. is high due to the relatively low barriers to entry in the banking industry.

Intensity Of Rivalry

The intensity of rivalry for Eagle Bancorp Montana, Inc. is high due to the high level of competition in the banking industry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 58.14%
Debt Cost 5.53%
Equity Weight 41.86%
Equity Cost 6.55%
WACC 5.96%
Leverage 138.89%

11. Quality Control: Eagle Bancorp Montana, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Meridian

A-Score: 6.5/10

Value: 7.9

Growth: 4.2

Quality: 5.1

Yield: 7.0

Momentum: 8.0

Volatility: 7.0

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Hanover Bancorp

A-Score: 6.5/10

Value: 6.8

Growth: 5.7

Quality: 6.2

Yield: 4.0

Momentum: 8.5

Volatility: 8.0

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FirstBank

A-Score: 6.2/10

Value: 6.4

Growth: 6.7

Quality: 5.9

Yield: 4.0

Momentum: 6.0

Volatility: 8.3

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Plumas Bank

A-Score: 6.1/10

Value: 3.8

Growth: 6.9

Quality: 7.4

Yield: 5.0

Momentum: 6.5

Volatility: 7.3

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Eagle Bancorp Montana

A-Score: 6.1/10

Value: 6.9

Growth: 5.2

Quality: 3.4

Yield: 6.0

Momentum: 6.0

Volatility: 9.0

1-Year Total Return ->

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Pathward Financial

A-Score: 5.7/10

Value: 8.7

Growth: 4.2

Quality: 8.2

Yield: 0.0

Momentum: 5.0

Volatility: 8.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

17.78$

Current Price

17.78$

Potential

-0.00%

Expected Cash-Flows