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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.10
EBMT's Cash to Debt is ranked lower than
93% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. EBMT: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
EBMT' s 10-Year Cash to Debt Range
Min: 0.04   Max: N/A
Current: 0.1

Equity to Asset 0.10
EBMT's Equity to Asset is ranked lower than
56% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. EBMT: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
EBMT' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.17
Current: 0.1

0.09
0.17
Interest Coverage 0.86
EBMT's Interest Coverage is ranked lower than
68% of the 1198 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. EBMT: 0.86 )
Ranked among companies with meaningful Interest Coverage only.
EBMT' s 10-Year Interest Coverage Range
Min: 0.56   Max: 0.94
Current: 0.86

0.56
0.94
F-Score: 5
Z-Score: 0.21
WACC vs ROIC
5.56%
3.87%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 7.51
EBMT's Operating margin (%) is ranked lower than
88% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. EBMT: 7.51 )
Ranked among companies with meaningful Operating margin (%) only.
EBMT' s 10-Year Operating margin (%) Range
Min: 5.79   Max: 27.89
Current: 7.51

5.79
27.89
Net-margin (%) 10.65
EBMT's Net-margin (%) is ranked lower than
80% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. EBMT: 10.65 )
Ranked among companies with meaningful Net-margin (%) only.
EBMT' s 10-Year Net-margin (%) Range
Min: 8.35   Max: 19.52
Current: 10.65

8.35
19.52
ROE (%) 6.92
EBMT's ROE (%) is ranked lower than
59% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. EBMT: 6.92 )
Ranked among companies with meaningful ROE (%) only.
EBMT' s 10-Year ROE (%) Range
Min: 3.84   Max: 6.02
Current: 6.92

3.84
6.02
ROA (%) 0.67
EBMT's ROA (%) is ranked lower than
60% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. EBMT: 0.67 )
Ranked among companies with meaningful ROA (%) only.
EBMT' s 10-Year ROA (%) Range
Min: 0.4   Max: 0.78
Current: 0.67

0.4
0.78
ROC (Joel Greenblatt) (%) 12.82
EBMT's ROC (Joel Greenblatt) (%) is ranked lower than
83% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. EBMT: 12.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EBMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.67   Max: 43.53
Current: 12.82

7.67
43.53
Revenue Growth (3Y)(%) 17.00
EBMT's Revenue Growth (3Y)(%) is ranked higher than
90% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. EBMT: 17.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EBMT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 13.4   Max: 24.2
Current: 17

13.4
24.2
EBITDA Growth (3Y)(%) -26.20
EBMT's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. EBMT: -26.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EBMT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.2   Max: 4.6
Current: -26.2

-26.2
4.6
EPS Growth (3Y)(%) -5.10
EBMT's EPS Growth (3Y)(%) is ranked lower than
78% of the 1001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. EBMT: -5.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EBMT' s 10-Year EPS Growth (3Y)(%) Range
Min: -5.1   Max: 3.2
Current: -5.1

-5.1
3.2
» EBMT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.70
EBMT's P/E(ttm) is ranked lower than
55% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. EBMT: 14.70 )
Ranked among companies with meaningful P/E(ttm) only.
EBMT' s 10-Year P/E(ttm) Range
Min: 14.7   Max: 25.57
Current: 14.7

14.7
25.57
Forward P/E 10.95
EBMT's Forward P/E is ranked higher than
61% of the 1302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.03 vs. EBMT: 10.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
EBMT's PE(NRI) is ranked lower than
54% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. EBMT: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
EBMT' s 10-Year PE(NRI) Range
Min: 14.51   Max: 25.81
Current: 14.5

14.51
25.81
P/B 0.80
EBMT's P/B is ranked higher than
74% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. EBMT: 0.80 )
Ranked among companies with meaningful P/B only.
EBMT' s 10-Year P/B Range
Min: 0.68   Max: 0.95
Current: 0.8

0.68
0.95
P/S 1.70
EBMT's P/S is ranked higher than
81% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. EBMT: 1.70 )
Ranked among companies with meaningful P/S only.
EBMT' s 10-Year P/S Range
Min: 1.55   Max: 3.87
Current: 1.7

1.55
3.87
POCF 358.00
EBMT's POCF is ranked lower than
100% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.34 vs. EBMT: 358.00 )
Ranked among companies with meaningful POCF only.
EBMT' s 10-Year POCF Range
Min: 3.4   Max: 367
Current: 358

3.4
367
EV-to-EBIT 41.29
EBMT's EV-to-EBIT is ranked lower than
88% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. EBMT: 41.29 )
Ranked among companies with meaningful EV-to-EBIT only.
EBMT' s 10-Year EV-to-EBIT Range
Min: 22.7   Max: 65.1
Current: 41.29

22.7
65.1
Days Sales Outstanding 28.88
EBMT's Days Sales Outstanding is ranked higher than
60% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. EBMT: 28.88 )
Ranked among companies with meaningful Days Sales Outstanding only.
EBMT' s 10-Year Days Sales Outstanding Range
Min: 33.13   Max: 43.87
Current: 28.88

33.13
43.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.80
EBMT's Dividend Yield is ranked higher than
53% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. EBMT: 2.80 )
Ranked among companies with meaningful Dividend Yield only.
EBMT' s 10-Year Dividend Yield Range
Min: 1.37   Max: 2.92
Current: 2.8

1.37
2.92
Dividend Payout 0.54
EBMT's Dividend Payout is ranked lower than
78% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. EBMT: 0.54 )
Ranked among companies with meaningful Dividend Payout only.
EBMT' s 10-Year Dividend Payout Range
Min: 0.31   Max: 2.43
Current: 0.54

0.31
2.43
Dividend growth (3y) 1.20
EBMT's Dividend growth (3y) is ranked lower than
71% of the 623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. EBMT: 1.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
EBMT' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 61.4
Current: 1.2

0
61.4
Yield on cost (5-Year) 2.80
EBMT's Yield on cost (5-Year) is ranked lower than
54% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. EBMT: 2.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EBMT' s 10-Year Yield on cost (5-Year) Range
Min: 1.37   Max: 2.92
Current: 2.8

1.37
2.92
Share Buyback Rate -0.60
EBMT's Share Buyback Rate is ranked higher than
59% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. EBMT: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
EBMT' s 10-Year Share Buyback Rate Range
Min: 5.5   Max: -0.6
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
EBMT's Price/Tangible Book is ranked higher than
65% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. EBMT: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
EBMT' s 10-Year Price/Tangible Book Range
Min: 0.72   Max: 1.18
Current: 1

0.72
1.18
Price/Median PS Value 0.60
EBMT's Price/Median PS Value is ranked higher than
94% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. EBMT: 0.60 )
Ranked among companies with meaningful Price/Median PS Value only.
EBMT' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 1.44
Current: 0.6

0.66
1.44
Price/Graham Number 0.80
EBMT's Price/Graham Number is ranked higher than
57% of the 1431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. EBMT: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
EBMT' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 1.07
Current: 0.8

0.77
1.07
Earnings Yield (Greenblatt) 2.40
EBMT's Earnings Yield (Greenblatt) is ranked lower than
81% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. EBMT: 2.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
EBMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 4.4
Current: 2.4

1.5
4.4

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Eagle Bancorp Montana Inc is incorporated in Delaware. The Company holds 100% of the capital stock of American Federal Savings Bank. The Bank is a federally chartered stock savings bank. The Company's business is to hold the capital stock of American Federal. The Company is a holding company for American Federal Savings Bank. The Bank currently has thirteen full service offices. It also has seven automated teller machines located in its market area and it participates in the CashCard and Money Pass ATM networks. The Bank originates one- to four-family residential real estate loans and commercial real estate loans, real estate construction loans, home equity loans, consumer loans and commercial business loans. Commercial real estate loans include loans on multi-family dwellings, loans on nonresidential property and loans on developed and undeveloped land. It offers a various deposit accounts. Its current deposit products include certificates of deposit accounts ranging in terms from 90 days to five years as well as checking, savings and money market accounts. The Company competes with commercial banks, savings institutions, mortgage brokerage firms, credit unions, finance companies, mutual funds, insurance companies, and brokerage and investment banking firms operating locally and elsewhere. The Company is subject to extensive regulation, supervision and examination by the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency.
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Headlines

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