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Company Analysis

Eagle Bancorp Montana, Inc. EBMT

A comprehensive view of key metrics, scores, and financial health for Eagle Bancorp Montana, Inc.

Overview of Eagle Bancorp Montana, Inc.

EBMT NGM
Financial Services Banks - Regional Micro Cap
Eagle Bancorp Montana, Inc. (EBMT), is a Micro Cap company, in the Banks - Regional industry, last closed at $20.79, about 18.7% undervalued vs fair value, +23.5% 1Y return, ranked 652/1004 in sector.
$20.79
-1.00%
As of March 13, 2026
Previous close • Vol 90d: 24.1%
52-Week Range
Market Cap
$165.44M
Enterprise Value
$223.80M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.opportunitybank.co...
HQ Helena, MT
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$14
$25
$46
Current: $20.79 +19% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$103.1M
13.5%%
Interest Expense
$35.5M
Net Interest Income
$62.4M
1%%
Total Revenue
$126.0M
58.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.0M
50.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Eagle Bancorp Montana, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
41
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing EBMT's balance between Growth (44.3%), Profitability (27.5%), and Safety (28.2%). Growth 44% Safety 28% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

35th percentile vs peers
35
Key Signals
Rev Growth YoY 58.2% 52p Revenue CAGR 3Y 12.9% 29p Asset Growth YoY 0.2% 20p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (0.2%)

Profitability

22th percentile vs peers
22
Key Signals
Strengths
Risks
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Safety

22th percentile vs peers
23
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Eagle Bancorp Montana, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$24.67
- - -
+18.7% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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