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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 0.33
EBMT's Cash to Debt is ranked higher than
60% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. EBMT: 0.33 )
EBMT' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.33

Equity to Asset 0.10
EBMT's Equity to Asset is ranked higher than
75% of the 1651 Companies
in the Global Banks - Regional - US industry.

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

0.09
0.17
Interest Coverage 0.59
EBMT's Interest Coverage is ranked higher than
54% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. EBMT: 0.59 )
EBMT' s 10-Year Interest Coverage Range
Min: 0.56   Max: 0.94
Current: 0.59

0.56
0.94
F-Score: 4
Z-Score: 0.19
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 : 6/10

vs
industry
vs
history
Operating margin (%) 5.79
EBMT's Operating margin (%) is ranked higher than
50% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. EBMT: 5.79 )
EBMT' s 10-Year Operating margin (%) Range
Min: 5.79   Max: 27.89
Current: 5.79

5.79
27.89
Net-margin (%) 8.63
EBMT's Net-margin (%) is ranked higher than
53% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. EBMT: 8.63 )
EBMT' s 10-Year Net-margin (%) Range
Min: 8.63   Max: 19.52
Current: 8.63

8.63
19.52
ROE (%) 4.01
EBMT's ROE (%) is ranked higher than
57% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. EBMT: 4.01 )
EBMT' s 10-Year ROE (%) Range
Min: 4.01   Max: 8.59
Current: 4.01

4.01
8.59
ROA (%) 0.39
EBMT's ROA (%) is ranked higher than
59% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. EBMT: 0.39 )
EBMT' s 10-Year ROA (%) Range
Min: 0.39   Max: 0.82
Current: 0.39

0.39
0.82
ROC (Joel Greenblatt) (%) 6.98
EBMT's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. EBMT: 6.98 )
EBMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.98   Max: 24.79
Current: 6.98

6.98
24.79
» EBMT's 10-Y Financials

Financials


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

» Details

Guru Trades

EBMT Guru Trades in

Q2 2012

EBMT Guru Trades in Q2 2012

First Pacific Advisors 103,793 sh (+1133.87%)
» More
Q3 2012

EBMT Guru Trades in Q3 2012

First Pacific Advisors 100,177 sh (-3.48%)
» More
Q4 2012

EBMT Guru Trades in Q4 2012

First Pacific Advisors Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with EBMT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.50
EBMT's P/E(ttm) is ranked higher than
58% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. EBMT: 22.50 )
EBMT' s 10-Year P/E(ttm) Range
Min: 15.72   Max: 25.57
Current: 22.5

15.72
25.57
P/B 0.90
EBMT's P/B is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. EBMT: 0.90 )
EBMT' s 10-Year P/B Range
Min: 0.68   Max: 0.95
Current: 0.9

0.68
0.95
P/S 1.70
EBMT's P/S is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. EBMT: 1.70 )
EBMT' s 10-Year P/S Range
Min: 1.61   Max: 3.31
Current: 1.7

1.61
3.31
PFCF 5.20
EBMT's PFCF is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. EBMT: 5.20 )
EBMT' s 10-Year PFCF Range
Min: 3.78   Max: 42.27
Current: 5.2

3.78
42.27
EV-to-EBIT 31.25
EBMT's EV-to-EBIT is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. EBMT: 31.25 )
EBMT' s 10-Year EV-to-EBIT Range
Min: 22.7   Max: 65.1
Current: 31.25

22.7
65.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
EBMT's Dividend Yield is ranked higher than
58% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. EBMT: 2.70 )
EBMT' s 10-Year Dividend Yield Range
Min: 0.68   Max: 2.92
Current: 2.7

0.68
2.92
Dividend Payout 0.60
EBMT's Dividend Payout is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. EBMT: 0.60 )
EBMT' s 10-Year Dividend Payout Range
Min: 0.31   Max: 2.43
Current: 0.6

0.31
2.43
Yield on cost (5-Year) 2.70
EBMT's Yield on cost (5-Year) is ranked higher than
53% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. EBMT: 2.70 )
EBMT' s 10-Year Yield on cost (5-Year) Range
Min: 0.68   Max: 2.92
Current: 2.7

0.68
2.92

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
EBMT's Price/Tangible Book is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. EBMT: 1.10 )
EBMT' s 10-Year Price/Tangible Book Range
Min: 0.72   Max: 1.17
Current: 1.1

0.72
1.17
Price/Median PS Value 0.60
EBMT's Price/Median PS Value is ranked higher than
96% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. EBMT: 0.60 )
EBMT' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 1.24
Current: 0.6

0.63
1.24
Price/Graham Number 1.00
EBMT's Price/Graham Number is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. EBMT: 1.00 )
EBMT' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.07
Current: 1

0.7
1.07
Earnings Yield (Greenblatt) 3.20
EBMT's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. EBMT: 3.20 )
EBMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 4.4
Current: 3.2

1.5
4.4

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Eagle Bancorp Montana, Inc. is a Delaware corporation that holds 100% of the capital stock of American Federal Savings Bank. The Bank is a federally chartered stock savings bank. The Company's main business is to hold the capital stock of American Federal. The Bank currently has six 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. The Bank maintains a portfolio of investment securities, classified as either available-for-sale or held-to-maturity to enhance total return on investments. It offers a variety of 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.
» More Articles for EBMT

Headlines

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