US · EBMT
Eagle Bancorp Montana, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Helena, MT 59601
- Website
- opportunitybank.com
Price · as of 2024-12-31
$22.61
Market cap 172.56M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $21.79 | -3.63% |
| Intrinsic Value(DCF) | $17.67 | -21.85% |
| Graham-Dodd Method(GD) | $15.33 | -32.19% |
| Graham Formula(GF) | $18.38 | -18.69% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $6.11 | $238.05 | $2.90 | $16.57 | $14.30 |
| 2011 | $7.08 | $65.89 | $10.84 | $12.75 | $14.82 |
| 2012 | $7.15 | $389.82 | $744.47 | $10.66 | $23.25 |
| 2013 | $7.86 | $48.40 | $72.50 | $13.11 | $8.93 |
| 2014 | $7.94 | $817.44 | $16.33 | $10.29 | $0.56 |
| 2015 | $9.39 | $191.33 | $56.95 | $11.50 | $23.23 |
| 2016 | $15.10 | $61.60 | $101.45 | $15.90 | $41.89 |
| 2017 | $15.98 | $30.85 | $46.14 | $18.66 | $12.23 |
| 2018 | $14.28 | $93.54 | $23.37 | $14.31 | $17.48 |
| 2019 | $15.07 | $227.72 | $546.47 | $19.33 | $93.14 |
| 2020 | $21.27 | $57.76 | $150.80 | $29.28 | $117.31 |
| 2021 | $19.20 | $169.53 | $120.71 | $24.46 | $24.25 |
| 2022 | $15.26 | $32.53 | $33.85 | $15.76 | $12.35 |
| 2023 | $12.11 | $92.40 | $20.12 | $15.16 | $35.18 |
| 2024 | $16.79 | $21.79 | $18.22 | $15.33 | $18.38 |
AI valuation
Our deep-learning model estimates Eagle Bancorp Montana, Inc.'s (EBMT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $21.79
- Current price
- $22.61
- AI upside
- -3.63%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.67
-21.85% upside
Graham-Dodd
$15.33
-32.19% upside
Graham Formula
$18.38
-18.69% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| EBMT | Eagle Bancorp Montana, In… | $22.61 | 172.56M | -4% | -22% | -32% | -19% | 13.54 | 0.76 | 1.10 | 8.95 | — | 1.10 | 65.71% | 9.46% | 8.12% | 5.68% | 6.86% | 0.47% | 1.14 | 0.28 | 0.10 | 0.10 | 8.31 | -388.00% | 709.00% | -39855.00% | 10.92% | 0.02 | 10.14% | 3.43% | 46.40% | 35.23% | 15.94 | 12.55 | 1.51 | -0.68 |
| AFBI | Affinity Bancshares, Inc. | $19.90 | 122.74M | +217% | -4% | +22% | -22% | 21.58 | 0.91 | 2.35 | 17.67 | — | 1.06 | 61.50% | 13.97% | 10.88% | 4.34% | 5.16% | 0.64% | 0.47 | 0.37 | 0.06 | 0.06 | 2.25 | -1531.00% | 1068.00% | -1328.00% | 5.42% | 0.01 | 6.04% | 0.00% | 0.00% | 0.00% | 19.54 | 21.42 | 2.73 | -0.57 |
| CFBK | CF Bankshares Inc. | $30.22 | 194.73M | +563% | -20% | +42% | -2% | 10.88 | 1.03 | 1.52 | 2.77 | 35.57 | 1.03 | 41.85% | 17.10% | 13.50% | 9.94% | 38.34% | 0.84% | 0.69 | 0.33 | 0.91 | 0.91 | -6.10 | 3058.00% | 306.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 5.11% | 2.77 | — | 0.47 | 0.14 |
| FCAP | First Capital, Inc. | $50.80 | 170.44M | -49% | +172% | -35% | +47% | 10.50 | 1.09 | 2.16 | 2.21 | — | 1.16 | 72.25% | 24.38% | 20.54% | 10.86% | -7.60% | 1.02% | 0.00 | 0.97 | 0.09 | 0.09 | -1.74 | -654.00% | 1345.00% | 5978.00% | 17.25% | 0.02 | -13.74% | 3.01% | 31.60% | 19.78% | 2.38 | 1.56 | 0.58 | -0.70 |
| LARK | Landmark Bancorp, Inc. | $27.74 | 168.5M | +17% | -17% | -38% | +74% | 9.50 | 0.91 | 1.39 | 9.19 | 143.87 | 1.26 | 65.62% | 15.89% | 14.67% | 9.88% | -27.73% | 0.83% | 0.65 | 0.50 | 0.04 | 0.04 | 3.87 | 660.00% | 1377.00% | 264.00% | 9.65% | 0.01 | -25.41% | 3.73% | 35.50% | 6.34% | 10.82 | 12.79 | 1.72 | -0.79 |
| MGYR | Magyar Bancorp, Inc. | $17.52 | 113.49M | +149% | +23% | +28% | +75% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PEBK | Peoples Bancorp of North … | $38.21 | 202.86M | -20% | +639% | -33% | +74% | 8.41 | 1.05 | 1.41 | -5.70 | 110.97 | 1.05 | 73.04% | 21.40% | 16.72% | 13.00% | -8.40% | 0.99% | 0.15 | 0.79 | 0.20 | 0.20 | -1.67 | 758.00% | 1401.00% | -413.00% | 14.52% | 0.01 | -10.26% | 3.67% | 30.90% | 51.86% | -6.49 | -6.80 | -1.39 | -0.61 |
| PNBK | Patriot National Bancorp,… | $1.25 | 134.66M | +11,398% | -54% | — | — | -0.39 | 3.65 | 0.26 | 8.05 | -0.05 | 3.78 | 26.12% | -26.58% | -65.86% | -163.96% | -76.19% | -3.79% | 7.75 | -0.50 | 0.18 | 0.18 | 7.77 | 85524.00% | -641.00% | -12362.00% | 16.90% | 0.00 | 12.44% | 0.00% | 0.00% | 1691.96% | 7.38 | -45.18 | -1.96 | -1.04 |
| RMBI | Richmond Mutual Bancorpor… | $13.50 | 131.11M | +69% | -26% | -31% | +77% | 12.15 | 0.86 | 1.34 | 29.51 | 1105.58 | 0.87 | 50.19% | 12.77% | 11.03% | 7.01% | 3.96% | 0.63% | 1.99 | 0.26 | 0.16 | 0.16 | 20.40 | 110.00% | 1843.00% | 2433.00% | 12.54% | 0.01 | 6.04% | 5.00% | 60.80% | 16.29% | 32.34 | 24.59 | 4.13 | -0.52 |
| SBFG | SB Financial Group, Inc. | $20.76 | 130.76M | +977% | +29% | +39% | +105% | 9.44 | 0.93 | 1.45 | 7.34 | 34.54 | 1.33 | 70.91% | 23.86% | 15.35% | 10.40% | 27.15% | 0.96% | 0.53 | 0.85 | — | — | 0.16 | 2733.00% | 1187.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 26.57% | 5.83 | — | 1.39 | 0.34 |
| SFBC | Sound Financial Bancorp, … | $42.47 | 108.98M | +356% | +7% | -10% | -17% | 26.80 | 1.20 | 2.00 | 15.73 | — | 1.26 | 57.51% | 9.10% | 7.48% | 4.54% | 4.83% | 0.47% | 0.39 | 0.21 | 0.07 | 0.07 | -0.40 | -3706.00% | 1161.00% | -5567.00% | 2.30% | 0.00 | 2.97% | 1.57% | 42.00% | 9.61% | 20.13 | 39.80 | 1.83 | -0.67 |
About Eagle Bancorp Montana, Inc.
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.
- CEO
- Laura F. Clark
- Employees
- 372
- Beta
- 0.30
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.67 ÷ $22.61) − 1 = -21.85% (DCF, example).