Eagle Bancorp Montana, Inc. EBMT

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21.21 USD -0.15 -0.70%

At close · Oct 30

21.21 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
21.20 × 2
Ask
21.24 × 2
21.15 Day range 21.55
15.92 52-week range 24.43
YTD
+6.58%
1 year
+29.57%
Open
21.36
Prev close
21.36
Mkt cap
168.95M
Vol
21.54K
Avg vol
31.72K
EPS
1.97
P/E
10.77
Div yield
3.64%
More statistics
Low
21.15
High
21.55
Forward P/E
9.81
Beta
0.51
Short ratio
0.64
Inst. own
41.62%
Dividend
0.57
Ex-div date
Nov 14, 2024
Earnings
Jan 28, 2025
50-d avg
16.77
200-d avg
14.46
1y target
17.50

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Financial health

Altman Z-Score

0.34 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 3
  • P/B 4

Valuation

P/E 10.5×
FY 2016: 15.5×FY 2017: 20.7×FY 2018: 17.9×FY 2019: 12.7×FY 2020: 6.8×FY 2021: 10.6×FY 2022: 11.1×FY 2023: 12.2×FY 2024: 12.4×FY 2025: 10.5×
FY 2016 5y median 11.1× FY 2025
P/S 1.2×
FY 2016: 2.0×FY 2017: 2.1×FY 2018: 1.9×FY 2019: 2.0×FY 2020: 1.6×FY 2021: 1.6×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/B 0.8×
FY 2016: 1.3×FY 2017: 1.0×FY 2018: 0.9×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 5.5×
FY 2016: 7.5×FY 2017: 5.2×FY 2018: 13.8×FY 2019: -13.5×FY 2020: -7.8×FY 2021: 3.5×FY 2022: 4.7×FY 2023: -25.4×FY 2024: 8.3×FY 2025: 5.5×
FY 2016 5y median 4.7× FY 2025
EV/EBITDA 7.7×
FY 2016: 17.5×FY 2017: 21.3×FY 2018: 22.6×FY 2019: 12.2×FY 2020: 3.0×FY 2021: 4.9×FY 2022: 10.5×FY 2023: 17.1×FY 2024: 14.2×FY 2025: 7.7×
FY 2016 5y median 10.5× FY 2025
EV/Sales 1.7×
FY 2016: 4.3×FY 2017: 4.5×FY 2018: 4.4×FY 2019: 3.3×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 2.4×FY 2023: 3.0×FY 2024: 2.4×FY 2025: 1.7×
FY 2016 5y median 2.4× FY 2025
FCF Yield 18.2%
FY 2016: 13.3%FY 2017: 19.4%FY 2018: 7.3%FY 2019: -7.4%FY 2020: -12.8%FY 2021: 28.9%FY 2022: 21.1%FY 2023: -3.9%FY 2024: 12.0%FY 2025: 18.2%
FY 2016 5y median 18.2% FY 2025

Profitability

Gross Margin 70.9%
FY 2016: 87.6%FY 2017: 87.2%FY 2018: 86.9%FY 2019: 85.0%FY 2020: 100.0%FY 2021: 95.6%FY 2022: 91.3%FY 2023: 72.8%FY 2024: 65.7%FY 2025: 70.9%
FY 2016 5y median 72.8% FY 2025
Operating Margin 15.0%
FY 2016: 17.4%FY 2017: 15.0%FY 2018: 12.7%FY 2019: 20.2%FY 2020: 0.0%FY 2021: 20.7%FY 2022: 14.8%FY 2023: 10.4%FY 2024: 9.5%FY 2025: 15.0%
FY 2016 5y median 14.8% FY 2025
Net Margin 11.8%
FY 2016: 12.9%FY 2017: 9.9%FY 2018: 10.8%FY 2019: 15.7%FY 2020: 23.5%FY 2021: 15.5%FY 2022: 11.4%FY 2023: 8.9%FY 2024: 8.1%FY 2025: 11.8%
FY 2016 5y median 11.4% FY 2025
ROE 7.7%
FY 2016: 8.6%FY 2017: 4.9%FY 2018: 5.3%FY 2019: 8.9%FY 2020: 13.9%FY 2021: 9.2%FY 2022: 6.8%FY 2023: 5.9%FY 2024: 5.6%FY 2025: 7.7%
FY 2016 5y median 6.8% FY 2025
ROIC 196.7%
FY 2016: 3.3%FY 2017: 2.1%FY 2018: 2.2%FY 2019: 4.6%FY 2020: 0.0%FY 2021: 7.5%FY 2022: 3.7%FY 2023: 2.3%FY 2024: 2.3%FY 2025: 196.7%
FY 2016 5y median 3.7% FY 2025
ROA 0.7%
FY 2016: 0.8%FY 2017: 0.6%FY 2018: 0.6%FY 2019: 1.0%FY 2020: 1.7%FY 2021: 1.0%FY 2022: 0.5%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 0.7%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 4.6%
FY 2016: 23.8%FY 2017: 4.2%FY 2018: 11.4%FY 2019: 49.1%FY 2020: 30.8%FY 2021: 3.1%FY 2022: 0.5%FY 2023: 20.1%FY 2024: 7.1%FY 2025: 4.6%
FY 2016 FY 2025
Operating Income 66.2%
FY 2016: 152.7%FY 2017: -10.1%FY 2018: -5.4%FY 2019: 136.9%FY 2020: -100.0%FY 2021: 0.0%FY 2022: -28.2%FY 2023: -15.8%FY 2024: -2.3%FY 2025: 66.2%
FY 2016 FY 2025
EPS (diluted) 53.2%
FY 2016: 97.0%FY 2017: -25.0%FY 2018: -8.1%FY 2019: 85.7%FY 2020: 84.0%FY 2021: -30.2%FY 2022: -33.2%FY 2023: -11.0%FY 2024: -3.9%FY 2025: 53.2%
FY 2016 FY 2025
Free Cash Flow 96.0%
FY 2016: 150.3%FY 2017: 55.2%FY 2018: -60.6%FY 2019: -256.4%FY 2020: -82.0%FY 2021: 338.9%FY 2022: -43.1%FY 2023: -119.3%FY 2024: 398.6%FY 2025: 96.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.7×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.7×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 1.6×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 0.9×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.8×FY 2023: 1.4×FY 2024: 1.1×FY 2025: 0.4×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 2.1×
FY 2016: 9.3×FY 2017: 11.5×FY 2018: 12.8×FY 2019: 4.9×FY 2020: -0.4×FY 2021: -0.7×FY 2022: 4.9×FY 2023: 10.8×FY 2024: 8.3×FY 2025: 2.1×
FY 2016 5y median 4.9× FY 2025
Interest Coverage 0.5×
FY 2016: 2.2×FY 2017: 1.5×FY 2018: 1.2×FY 2019: 1.8×FY 2020: 0.0×FY 2021: 6.0×FY 2022: 2.3×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 1.5%FY 2017: 1.6%FY 2018: 2.2%FY 2019: 1.8%FY 2020: 1.8%FY 2021: 2.0%FY 2022: 3.4%FY 2023: 3.6%FY 2024: 3.8%FY 2025: 2.9%
FY 2016 5y median 3.4% FY 2025
Payout Ratio 30.9%
FY 2016: 23.2%FY 2017: 34.2%FY 2018: 40.0%FY 2019: 22.1%FY 2020: 12.3%FY 2021: 20.9%FY 2022: 37.9%FY 2023: 44.2%FY 2024: 46.4%FY 2025: 30.9%
FY 2016 5y median 37.9% FY 2025

Annual · latest fiscal year ends 2025-12-31