GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Eagle Bancorp Montana Inc (NAS:EBMT) » Definitions » ROE %

Eagle Bancorp Montana (Eagle Bancorp Montana) ROE % : 5.30% (As of Dec. 2023)


View and export this data going back to 2000. Start your Free Trial

What is Eagle Bancorp Montana ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Eagle Bancorp Montana's annualized net income for the quarter that ended in Dec. 2023 was $8.66 Mil. Eagle Bancorp Montana's average Total Stockholders Equity over the quarter that ended in Dec. 2023 was $163.27 Mil. Therefore, Eagle Bancorp Montana's annualized ROE % for the quarter that ended in Dec. 2023 was 5.30%.

The historical rank and industry rank for Eagle Bancorp Montana's ROE % or its related term are showing as below:

EBMT' s ROE % Range Over the Past 10 Years
Min: 4.18   Med: 6.47   Max: 15.45
Current: 5.3

During the past 13 years, Eagle Bancorp Montana's highest ROE % was 15.45%. The lowest was 4.18%. And the median was 6.47%.

EBMT's ROE % is ranked worse than
76.42% of 1459 companies
in the Banks industry
Industry Median: 9.88 vs EBMT: 5.30

Eagle Bancorp Montana ROE % Historical Data

The historical data trend for Eagle Bancorp Montana's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Eagle Bancorp Montana ROE % Chart

Eagle Bancorp Montana Annual Data
Trend Jun14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.05 15.45 9.31 6.79 6.14

Eagle Bancorp Montana Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.07 4.95 6.59 5.30 4.49

Competitive Comparison of Eagle Bancorp Montana's ROE %

For the Banks - Regional subindustry, Eagle Bancorp Montana's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Eagle Bancorp Montana's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Eagle Bancorp Montana's ROE % distribution charts can be found below:

* The bar in red indicates where Eagle Bancorp Montana's ROE % falls into.



Eagle Bancorp Montana ROE % Calculation

Eagle Bancorp Montana's annualized ROE % for the fiscal year that ended in Dec. 2023 is calculated as

ROE %=Net Income (A: Dec. 2023 )/( (Total Stockholders Equity (A: Dec. 2022 )+Total Stockholders Equity (A: Dec. 2023 ))/ count )
=10.056/( (158.416+169.273)/ 2 )
=10.056/163.8445
=6.14 %

Eagle Bancorp Montana's annualized ROE % for the quarter that ended in Dec. 2023 is calculated as

ROE %=Net Income (Q: Dec. 2023 )/( (Total Stockholders Equity (Q: Sep. 2023 )+Total Stockholders Equity (Q: Dec. 2023 ))/ count )
=8.656/( (157.27+169.273)/ 2 )
=8.656/163.2715
=5.30 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Dec. 2023) net income data. ROE % is displayed in the 30-year financial page.


Eagle Bancorp Montana  (NAS:EBMT) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Dec. 2023 )
=Net Income/Total Stockholders Equity
=8.656/163.2715
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(8.656 / 82.528)*(82.528 / 2069.365)*(2069.365 / 163.2715)
=Net Margin %*Asset Turnover*Equity Multiplier
=10.49 %*0.0399*12.6744
=ROA %*Equity Multiplier
=0.42 %*12.6744
=5.30 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2023 )
=Net Income/Total Stockholders Equity
=8.656/163.2715
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (8.656 / 7.396) * (7.396 / 82.528) * (82.528 / 2069.365) * (2069.365 / 163.2715)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 1.1704 * 8.96 % * 0.0399 * 12.6744
=5.30 %

Note: The net income data used here is four times the quarterly (Dec. 2023) net income data. The Revenue data used here is four times the quarterly (Dec. 2023) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Eagle Bancorp Montana ROE % Related Terms

Thank you for viewing the detailed overview of Eagle Bancorp Montana's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


Eagle Bancorp Montana (Eagle Bancorp Montana) Business Description

Traded in Other Exchanges
Address
1400 Prospect Avenue, P.O. Box 4999, Helena, MT, USA, 59601
Eagle Bancorp Montana Inc operates as a bank holding company. It provides loan and deposit services. The company focuses on residential loans, commercial real estate loans, commercial loans, consumer loans, and home equity loan products. The bank also offers deposit accounts which include checking, savings, money market, individual retirement accounts, and certificates of deposit accounts.
Executives
Thomas J Mccarvel director 1400 PROSPECT AVE, HELENA MT 59601
Kenneth M Walsh director 1400 PROSPECT AVE., HELENA MT 59601
Laura Clark officer: SVP/CFO 1400 PROSPECT AVENUE, HELENA MT 59601
Peter Joseph Johnson director, officer: President & CEO 1400 PROSPECT AVE, HELENA MT 59601
Cynthia A Utterback director 1400 PROSPECT AVENUE, HELENA MT 59601
Chantelle Nash officer: SVP/Chief Risk Officer 1400 PROSPECT AVENUE, HELENA MT 59601
Mark A O'neill officer: SVP-Chief Lending Officer 1400 PROSPECT AVENUE, HELENA MT 59601
Patrick D Rensmon officer: SVP-Chief Information Officer 1400 PROSPECT AVENUE, HELENA MT 59601
Rick Hays director 1400 PROSPECT AVENUE, HELENA MT 59601
Samuel Waters director 1400 PROSPECT AVE, HELENA MT 59601
Miranda Spaulding officer: SVP - CFO 1400 PROSPECT AVENUE, HELENA MT 59601
Tanya Chemodurow director 1400 PROSPECT AVENUE, HELENA MT 59601
Alana M Binde officer: SVP-Chief Human Resource Offcr 1400 PROSPECT AVENUE, HELENA MT 59601
Jensen Corey director 1400 PROSPECT AVENUE, HELENA MT 59601
Linda M Chilton officer: SVP-Chief Retail Offcr 1400 PROSPECT AVENUE, HELENA MT 59601

Eagle Bancorp Montana (Eagle Bancorp Montana) Headlines

From GuruFocus