Eagle Bancorp Montana Inc (EBMT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Eagle Bancorp Montana Inc stock (EBMT) is currently trading at $20.20. Eagle Bancorp Montana Inc PE ratio is 10.71. Eagle Bancorp Montana Inc PS ratio (Price-to-Sales) is 1.79. Analyst consensus price target for EBMT is $22.00. WallStSmart rates EBMT as Moderate Buy.
- EBMT PE ratio analysis and historical PE chart
- EBMT PS ratio (Price-to-Sales) history and trend
- EBMT intrinsic value — DCF, Graham Number, EPV models
- EBMT stock price prediction 2025 2026 2027 2028 2029 2030
- EBMT fair value vs current price
- EBMT insider transactions and insider buying
- Is EBMT undervalued or overvalued?
- Eagle Bancorp Montana Inc financial analysis — revenue, earnings, cash flow
- EBMT Piotroski F-Score and Altman Z-Score
- EBMT analyst price target and Smart Rating
Eagle Bancorp Montana Inc
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EBMT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Eagle Bancorp Montana Inc (EBMT)
EBMT trades at a significant discount to its Graham intrinsic value of $88.92, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Eagle Bancorp Montana Inc (EBMT) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around market cap and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Eagle Bancorp Montana Inc (EBMT) Key Strengths (6)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 40.90% year-over-year
Strong operational efficiency: $27 kept per $100 revenue
Paying $1.79 for every $1 of annual revenue
Strong profitability: $16 kept per $100 revenue
53.18% held by institutions, strong professional interest
Supporting Valuation Data
Eagle Bancorp Montana Inc (EBMT) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Growth is fairly priced, not cheap, not expensive
Solid revenue growth at 13.40% per year
Eagle Bancorp Montana Inc (EBMT) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.7/10) while 4 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth, Operating Margin. Valuation metrics including Price/Sales (1.79), Price/Book (0.84) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 27.20%, Profit Margin at 16.40%. Growth metrics are encouraging with EPS Growth at 40.90%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.61) suggest expensive pricing. Growth concerns include Revenue Growth at 13.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.09%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.09% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Price/Book and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EBMT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EBMT's Price-to-Sales ratio of 1.79x trades at a deep discount to its historical average of 6.81x (0th percentile). The current valuation is 93% below its historical high of 24.36x set in Mar 2010, and 0% above its historical low of 1.79x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Eagle Bancorp Montana Inc (EBMT) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Eagle Bancorp Montana Inc is a mature, profitable business with steady cash generation. Revenue reached 90M with 13% growth year-over-year. Profit margins of 16.4% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 809.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 17M in free cash flow and 21M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 281.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Eagle Bancorp Montana Inc.
Bottom Line
Eagle Bancorp Montana Inc is a well-established business delivering consistent profitability with 16.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Eagle Bancorp Montana Inc(EBMT)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Eagle Bancorp Montana, Inc. is the banking holding company for Opportunity Bank of Montana offering a variety of retail banking products and services to small businesses and individuals in Montana. The company is headquartered in Helena, Montana.