EBMT (Eagle Bancorp Montana) Cyclically Adjusted Book per Share: $23.57 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

EBMT Eagle Bancorp Montana Inc EBMT
57 GF Score
Price $23.64
GF Value $17.59
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Eagle Bancorp Montana Cyclically Adjusted Book per Share?

Eagle Bancorp Montana EBMT +1.89% 57 Cyclically Adjusted Book per Share is $23.57 as of Mar. 2026. GuruFocus rates EBMT with a GF Score™ of 57/100 and a GF Value™ of $17.59 (Significantly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Eagle Bancorp Montana's adjusted book value per share for the three months ended in Mar. 2026 was $24.226. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $23.57 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Eagle Bancorp Montana's average Cyclically Adjusted Book Growth Rate was 4.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Eagle Bancorp Montana was 8.00% per year. The lowest was 4.70% per year. And the median was 6.10% per year.

As of today (2026-07-15), Eagle Bancorp Montana's current stock price is $23.635. Eagle Bancorp Montana's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $23.57. Eagle Bancorp Montana's Cyclically Adjusted PB Ratio of today is 1.00.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Eagle Bancorp Montana was 1.51. The lowest was 0.55. And the median was 0.97.


Eagle Bancorp Montana  (NAS:EBMT) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Eagle Bancorp Montana's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=23.635/23.57
=1.00

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Eagle Bancorp Montana was 1.51. The lowest was 0.55. And the median was 0.97.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Eagle Bancorp Montana Cyclically Adjusted Book per Share Related Terms


Eagle Bancorp Montana Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Eagle Bancorp Montana's Cyclically Adjusted Book per Share 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.

Eagle Bancorp Montana Cyclically Adjusted Book per Share Chart

Eagle Bancorp Montana Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.60 20.05 21.10 22.09 23.04

Eagle Bancorp Montana Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 22.46 22.74 23.00 23.04 23.57

EBMT vs OAKC, BVFL, FXLG: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Eagle Bancorp Montana's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Eagle Bancorp Montana's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Eagle Bancorp Montana's Cyclically Adjusted PB Ratio falls into.


EBMT
57GF Score
Eagle Bancorp Montana Inc EBMT
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Eagle Bancorp Montana Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Eagle Bancorp Montana's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=24.226/330.2130*330.2130
=24.226

Current CPI (Mar. 2026) = 330.2130.

Eagle Bancorp Montana Quarterly Data

Book Value per Share CPI Adj_Book
201606 15.614 241.018 21.392
201609 15.886 241.428 21.728
201612 15.601 241.432 21.338
201703 15.753 243.801 21.336
201706 16.301 244.955 21.975
201709 16.622 246.819 22.238
201712 16.677 246.524 22.338
201803 16.657 249.554 22.041
201806 16.814 251.989 22.034
201809 16.848 252.439 22.039
201812 17.307 251.233 22.748
201903 17.458 254.202 22.678
201906 18.066 256.143 23.290
201909 18.809 256.759 24.190
201912 18.941 256.974 24.339
202003 19.608 258.115 25.085
202006 20.758 257.797 26.589
202009 21.812 260.280 27.673
202012 22.574 260.474 28.618
202103 23.001 264.877 28.675
202106 22.539 271.696 27.393
202109 23.096 274.310 27.803
202112 23.065 278.802 27.318
202203 21.437 287.504 24.621
202206 20.132 296.311 22.435
202209 18.940 296.808 21.072
202212 19.787 296.797 22.015
202303 20.362 301.836 22.276
202306 20.371 305.109 22.047
202309 19.688 307.789 21.122
202312 21.114 306.746 22.729
202403 21.074 312.332 22.280
202406 21.225 314.175 22.308
202409 22.169 315.301 23.217
202412 21.772 315.605 22.780
202503 22.261 319.799 22.986
202506 22.716 322.561 23.255
202509 23.451 324.800 23.842
202512 24.103 324.054 24.561
202603 24.226 330.213 24.226

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $23.57 mean?
Eagle Bancorp Montana (EBMT) has a Cyclically Adjusted Book per Share of $23.57 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Eagle Bancorp Montana and its competitors.
Is Eagle Bancorp Montana's Cyclically Adjusted Book per Share too high?
Eagle Bancorp Montana's current Cyclically Adjusted Book per Share is $23.57. Overall, Eagle Bancorp Montana has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Eagle Bancorp Montana's Cyclically Adjusted Book per Share compare to OAKC and BVFL?
Eagle Bancorp Montana's Cyclically Adjusted Book per Share of $23.57 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Eagle Bancorp Montana and its competitors. Eagle Bancorp Montana's current Cyclically Adjusted Book per Share is $23.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eagle Bancorp Montana stock overvalued right now?
Based on GuruFocus' analysis, Eagle Bancorp Montana (EBMT) is currently considered Significantly Overvalued. The stock's GF Value™ is $17.59, compared to a current price of $23.64 — trading 34.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is $23.57. Eagle Bancorp Montana's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Eagle Bancorp Montana (EBMT), the current Cyclically Adjusted Book per Share is $23.57 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Eagle Bancorp Montana (EBMT) Overvalued in 2026?

Based on GuruFocus' analysis, Eagle Bancorp Montana stock appears to be overvalued. The current stock price of $23.64 is trading 34.4% above its estimated GF Value™ of $17.59. GuruFocus considers Eagle Bancorp Montana to be Significantly Overvalued.

Key valuation signals for EBMT:

  • Cyclically Adjusted Book per Share: $23.57
  • GF Value™: $17.59 vs. price of $23.64 (34.4% above fair value)
  • GF Score™: 57/100 with 8 warning signs

No single metric tells the full story. See the EBMT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Eagle Bancorp Montana Business Description

Address 1400 Prospect Avenue, P.O. Box 4999, Helena, MT, USA, 59604
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. It is a diversified lender with a focus on residential mortgage loans, commercial real estate mortgage loans, commercial business loans, agricultural loans, and second mortgage/home equity loan products.
57GF Score

Get the complete analysis for EBMT

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.64
Price
$17.59
GF Value