Financial Analysis: Eagle Bancorp Montana (EBMT) versus The Competition

Eagle Bancorp Montana (NASDAQ: EBMT) is one of 313 public companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare Eagle Bancorp Montana to similar businesses based on the strength of its earnings, dividends, analyst recommendations, risk, profitability, valuation and institutional ownership.

Analyst Ratings

This is a summary of current recommendations for Eagle Bancorp Montana and its peers, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Eagle Bancorp Montana 0 0 0 0 N/A
Eagle Bancorp Montana Competitors 2232 8618 8640 353 2.36

As a group, “Banks” companies have a potential downside of 7.44%. Given Eagle Bancorp Montana’s peers higher possible upside, analysts clearly believe Eagle Bancorp Montana has less favorable growth aspects than its peers.

Earnings & Valuation

This table compares Eagle Bancorp Montana and its peers top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Eagle Bancorp Montana $39.90 million N/A 15.54
Eagle Bancorp Montana Competitors $5.50 billion $827.87 million 389.15

Eagle Bancorp Montana’s peers have higher revenue and earnings than Eagle Bancorp Montana. Eagle Bancorp Montana is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

26.6% of Eagle Bancorp Montana shares are owned by institutional investors. Comparatively, 52.1% of shares of all “Banks” companies are owned by institutional investors. 9.9% of Eagle Bancorp Montana shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

Eagle Bancorp Montana has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500. Comparatively, Eagle Bancorp Montana’s peers have a beta of 0.79, indicating that their average stock price is 21% less volatile than the S&P 500.

Dividends

Eagle Bancorp Montana pays an annual dividend of $0.36 per share and has a dividend yield of 1.8%. Eagle Bancorp Montana pays out 27.9% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 35.6% of their earnings in the form of a dividend.

Profitability

This table compares Eagle Bancorp Montana and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Eagle Bancorp Montana 11.85% 8.46% 0.75%
Eagle Bancorp Montana Competitors 18.54% 8.26% 0.93%

Summary

Eagle Bancorp Montana peers beat Eagle Bancorp Montana on 9 of the 11 factors compared.

Eagle Bancorp Montana Company Profile

Eagle Bancorp Montana, Inc. is the bank holding company for Opportunity Bank of Montana (the Bank). The Bank is a Montana-chartered commercial bank. The Bank has equity investments in Certified Development Entities, which have received allocations of New Markets Tax Credits (NMTC). The Company offers wealth management services at its locations through financial advisors employed by the Bank. The Bank originates residential mortgages (one- to four-family) and commercial real estate loans, real estate construction loans, home equity loans, consumer loans and commercial loans. The Bank offers a range of deposit accounts, which include certificates of deposit accounts ranging in terms from 90 days to 5 years, as well as, checking, savings and money market accounts. Individual retirement accounts (IRAs) are included in certificates of deposit.

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